Humana Health Insurance Reviews

I was on the phone with the Premium Payment Department for an hour and a half trying to pay my dental and health premiums. Why I can't talk to one person to pay both is beyond me. I was transferred, Lord knows how many times, and hung up three times even when I asked to speak to a manager. The last time I called, I spoke with Sydney ** who FINALLY took my payment and set up a recurring payment.

I joined Humana in March 2014, and I thought I had done my homework before switching insurances. When I thought all my meds were covered and no higher than my set copays they screwed me out of one of my meds. Dr. office called their specialty pharmacy for a refill for my injections I get through them. These injections are a prescription med, so they should be covered under Medicare Part D. Well Humana has a board of review that decided my meds should be covered under Medicare Part B. That makes me have a copay of $1,004.90. Under Part D they are no more than $6.35. I appealed it and the result was the same, $1,004.90 to get my shots. Because of them and their business practices I now have to skip a month of my shots. I can't afford $1,004.90, so I now have to wait til my insurance changes back June 1st to start getting them again.

It usually takes one hour to get a response by telephone. Operators are slow and do not care too much for what is going on. They repeatedly were telling me that my doctor was not in network. I have to repeatedly tell them and argue with them that my doc is in the network, but that they have to use 70 miles in the drop down menu. If you ask them by email, it takes from 7 to 10 days to get a response. LAZY COMPANY - STAY AWAY.

Had an appointment this morning. Prior I had spoken to Humana, spoke to the doctor office, had to wait for a month for appointment so Humana could put my doc in the system as my PCP. I get to the doctor. These ** say, "No, we no longer take that insurance since last week." WTF, I call Humana. They say, "Yes, they are no longer in our network." WTF no courtesy.... The Humana Insurance HMO x has been a hassle. 4th month and we can't find a provider. When we do, they suddenly don't accept it. What BS... We call, long wait ... They refer us to doctors who are closing soon, too damn far or not in service. We have been paying every month on time. I call doctors and they're not... The insurance knows what's going on. Has anyone had any success???? With HMO x Atlanta.

BUYER BEWARE: PURCHASING INSURANCE FROM THIS COMPANY MAY LEAD TO ENDLESS CALL CENTER HOURS AND NON-COVERAGE. This company wrongfully terminated my policy after misapplying my entire premium payment (dental and medical) to only dental. After contacting them to address the problem, they completely owned that it was an internal problem and needed to be fixed. That's when it goes downhill. I have logged well over a dozen phone calls with futile results. Most calls take at least an hour and hold times can easily range from 30 to 45 minutes. There are typically multiple transfers from one call center person to another as they politely tell you, I'm so sorry.

I helped my partner to get care on the health exchange in Colorado and she chose Humana. What a mistake! They had the best price but every time she uses a Humana doctor who gives her a referral, the test, procedure, etc. is denied before or after the fact - and all of this occurred int the last 4 months.

About a week ago, I requested health insurance information. Humana sent me an invoice demanding payment for coverages I never agreed to nor signed up for. I have tried contacting customer services and so far nothing.

For over 8 months now, I have been trying to recover the money my mother spent out of pocket after reaching the maximum out of pocket. Each time She or I call Humana, we get a different specialist and each time having to repeat the whole story for our calls... no consistency with any of them... and each time we get a different reference... doesn't do any good because we can't get anywhere with them. When a customer reaches their out of pocket, Humana somehow is to notify Sante but none of the specialist I have talked to knows who takes care of that end of the deal. I never thought I would end up making so many phone calls on behalf of my elderly mother to receive her money back. My parents live on SS and they depend on that money, especially since my mother was diagnosed with cancer and is in need of continuing chemotherapy. I have read a lot of bad reviews about Humana. They have been good as far as paying for her medical expenses, no complaints about that... but they did influence me not to get into this health insurance, especially since what I am dealing now for my mother.

My dealings with this company have been ridiculous. The wait times to talk to someone are INSANE. No one has any clue what's going on - I had two people in the same hour contradict themselves. They just told me today (4/11) that I have to wait on a mailed invoice that was sent out yesterday that will arrive in 7-10 days to pay them money, which is hilarious because they are emailing me EVERY DAY to say my account will be past due if I don't pay by April 17th. I am really, seriously just about to say screw this. As a healthy young adult I shouldn't have to fork over $400 a month because I'm a freelancer.

Spoke with a customer service rep after waiting over an hour because my son's asthma medicine wasn't covered. There is no alternative. Rep recommended a nasal spray that has nothing to do with the meds my son has to take. Highly dangerous... Now they won't pay any part of an emergency room visit saying that I haven't met my deductible. I paid $700/mo for no coverage. I basically threw money away on this plan. DO NOT PURCHASE THIS INSURANCE!

I had dental coverage with Humana Gold. However, when I went to a dentist in January 2014 and had some work done, I found that the dental insurance had stopped at the end of 2013 without any notification. I called Humana and the first-level employee told me that dental coverage was no longer offered with my plan - so sorry. I will appeal to the company, but doubt if I'll be successful in getting them to pay their share of the dental bill. I will also file a complaint with the Medicare Fraud at 1-877-772-3379. I would advise potential subscribers to do considerable research and to be very wary about signing up with Humana.

I signed up for Humana Health Insurance in October for a plan starting Jan 1, 2014. At the time I signed up I repeatedly reviewed the network of providers as I have had cancer and have an established medical team with whom I needed to continue to work. In February, I went for my annual mammogram to the Breast Care Center at St Thomas Hospital, a major hospital in the area, which was included on my provider network. When I received the EOB I found that the network had changed and St Thomas was no longer included. I spoke with the agent from whom I bought the insurance and he too was surprised dismayed at this change.

In October of 2013 my mother was in a serious car accident. No fault of her own she was hit by a truck. It took an hour to cut her out of the car. Her foot was only attached by skin to her ankle. We thought that would be the worst nightmare of our lives! We were wrong, dealing with Humana is! She was taken by Ambulance to the nearest hospital. The hospital just happened to be in their network. My mother was in the hospital 3 weeks. I called Humana and set up a subjugation claim right away. (Means they pay her claims and they will be reimbursed when my mother settles with the insurance company of the guy that hit her.) She did have $25,000 in PIP but that was gone the first day in the ER.

Have been fighting them for four years. Every time you call it takes many calls and you have to speak to several departments to get the same answer. This time we will fix it in the system. I have a kidney transplant and they fight every time I refill my rejection drugs. I call and spend always over an hour on the phone and the same answer: "Yes your drugs are approved. We will fix the system," and that never happens. I just got rejected on a refill when I have letters that approve the meds. Lots of wasted time and frustration for the same reason every 90 days. I tell everyone I can to stay away from Humana.

If you have a Humana Medicare Replacement policy, beware! Humana has an exclusive contract with Apria (a company who has filed bankruptcy twice) to provide medical equipment (DME) to its customers. The issue is that there are many, many areas where there are NO APRIAs within a 50-100 mile radius. Therefore it is creating a hardship to those getting discharged from the hospital that need equipment ASAP or if their physician orders it. They have tried contracting with other medical equipment companies however most of these companies are not full line DME companies leaving the customer with the burden of having to drive a long ways or pay out of their own pocket! Trying to get an exception to this is nearly impossible! Think twice before enrolling! Their inpatient coverage may be good but the majority of healthcare these days is not in the hospital so... Good luck Humana Patient.

I took out a health policy in January 2014 and the agent that I worked with said that my policy would take effect on March 1st 2014 and that my 1st ACH payment would be around February 28th. Subsequently, the 1st payment came out on February 7th much to my surprise. I called Humana immediately and cancelled the policy as I did not want to deal with a company that did not do as they agreed in the contract. The customer service rep who processed my cancellation said it would take about 6 weeks for the payment to be returned to my bank account.

I have been with Humana for over 10 years and have paid them over $50,000 and both my son and I have used them approximately ABOUT 6 TIMES. Most of those visits have been for check ups. When we needed them most for an infected tooth at the emergency room in the middle of the night they said that was considered dental. The cost of the claim was only $700; ironically, that's what I pay them per month.

I signed up for Humana's services on the web. When I did, my new user name had a dash in it, which that part of their webpage was fine with. Unfortunately, every other part of their webpage can't handle that dash. I can't re-login, and while they recognize that I have an account and a user name, they can't actually tell me what my user name is or do anything with it. I have been on the phone for an hour (so far) trying to fix this, all so that I can just pay my bill to them at the end of the month.

After making a call to Humana's claims dept. at 9:50 am I was greeted by a push-this-push-that series of stupid questions about things they already knew - my address, account number, etc., after which a human voice came on the line to REPEAT the same questions to me!! After doing so, she transferred me to their "medical department", whereupon I was asked the SAME questions all over again. That means you'll continue this useless game of 20 questions FOUR times before you can even tell anyone that Humana over-billed you!!

I called Humana to find out what their contracted price was with LabCorp for 2 labs (I even got the CPT codes they needed to look it up). Not only did I spend well over an hour sitting on hold (listening to the most irritating music ever), being tossed here and there, but they told me they don't have pricing they can give me. The only way they get pricing is when a claim has been submitted by LabCorp. Common now...we are supposed to be taking responsibility for our medical expenses, yet I can't find out what the difference would be if I have my labs processed through my insurance plan or pay cash out of pocket? This is absolutely ridiculous, and I am astonished at how much Humana's customer service has plummeted. I've had them since 2004 and this is the worst interaction I've ever had. What a waste of my time!

I have been trying to get my tire repaired or replaced for over a week, for my electric wheelchair but when I call I keep getting shuffled from person to another and then I get disconnected. My premium payments are automatically taken out before I get my check. I am seriously thinking about finding another insurance provider. They used to have better service but their service has hit an all time low. I will be filing a complaint with Medicare against them.

A total waste Time!!! Here's the Scam if you get the Hmo, you get crap Doctors who could care less about you, treat you soooo..badly so you don't come back. Humana nothing in writing only phone service people that give you a different answer every time you call ..Oh yes and ask for your info over and over and then transfer you so you can do it again!! NO they don't want you to call just pay your low monthly fee. Did Obama realize this Huge FLAW, you can make it affordable, YES, but it has to meet a standard of CARE or it's a JOKE.

I recently came down with Gout and my doctor prescribed a specific medication. Humana told me that I could not have that medication and wanted me to try a cheaper one. (I did try the less expensive one before and it made me ill for 3 days and did not help my gout.) Very sad they do not want their customers getting the best medicine and are only concerned about prices/expenses. We have decided to leave Humana.

My company changed dental ins from MetLife to humana this year. My son was in middle of orthodontic treatment. I called humana to give them heads up and provide all info relating to it. That was January. It is now mid March and claim still is not processed. Each time the reps gives me the same excuse that they need additional info. First issue was a waiting period that was set on my account which should not have been. It took over a month to lift that off. Second the first claim was denied due to waiting period, now they keep saying 3 weeks to proceeds, that passed and then they said 5-7 business days. That also passes. Very poor claim processing.

I have been on the phone for over an hour. A prescription was mailed to me and I didn't receive it. According to the drug fillers, it was sent to three different places when they tracked it. None were my house, but it shows I received it. They told me to call the PO and gave me a number. Everything was OK at that point. They said Humana would give me an override and I could get my prescription filled at a local drugstore until they got it figured out and that the PO would give me an investigation number.

I have been on the phone with them for over two hours! I have been cut off, and told that I need to talk to yet another representative over and over again. All that I am trying to do is set up an auto payment for my father. At this point, I am going to ask for a payment coupon booklet because I don't trust that they can handle auto-pay! Just started with them in January, so not sure about re-enrolling next year!

95 % of member calls are not handled or simple questions answered. 99 % of time take too much time by putting member on hold and not handling the calls. 99 % of time the cost of healthcare is waste of money by Humana representative for repeatedly asking for member information and verifying the information in the same call just to have representative spending time to record their time and getting paid for it without handling member's concern.

My wife has a Humana plan. To me it's worthless. She has been in the hospital for 3 weeks. She now needs 10 days of rehab. Humana won't give us an answer if they are gonna pay for this. She has been laying in a hospital bed for 3 days waiting on an answer. Now the hospital says in 2 more days she is going somewhere either home or to rehab. We just need an answer so we can get prepared which way she is going. The hospital and the rehab center has called and called no answer yet. This is is BS.

I had a flexible spending account by which my employer allowed me to set aside funds up for medical expenses and these funds would reduce the taxable portion of my income. I designated $1000.00 Humana, as the manager of this account has a listing of the majority of my medical claims for the year of 2013. Humana accurately creates records regarding the amounts they paid as well as the amounts I still owed to the medical providers. The amount I owed which was over $1900 far exceeds the balance remaining in the FSA account of almost $900.00. I have submitted multiple claims for have this reimbursement paid to me as it is my monies and if this is not settled by March 31, 2014, I forfeit these monies as per IRS rules. Every time I submit their forms, I receive a response that I did not do something. The something I did not do is different each time. I suspect they would like to keep my monies.

Moved insurance comp. to HUMANA in Nov. Started on Jan 1. In Feb came down with esophageal cancer. This came about by doctor telling me that I need an endoscope. He found a growth, sent me to another cancer doctor who did another scope and said it was esophagus cancer. Then went to the oncologist who want to start radium and something else, but Humana won’t allowed to gather. Now I wait and fight with Humana I guess until I DIE because that what they want. DON'T PAY THE BILLS. TAKE ALL THE MONEY AND IT’S JUST LIKE THE MOVIE RAINMAKER AND I AM THE LUCK PERSON THIS TIME.

Humana One dental - be aware. Signed up then made a visit to my dentist immediately to discuss care for the future. Was told he had better plan. Called Humana One to cancel. Told me to wait 24-48 hours. Called back next day and they won't refund the $35 enrollment fee even tho policy doesn't kick in for 3 weeks. Never used their services, not even 24 hours later.

I'm signed on with my fourth doctor in my three month old Humana account. With the affordable Care Act I thought I was lucky to get insurance after losing a job of 31 years. I chose Humana because we could afford it. Our first doctor was assigned us and after trying to contact her office I found she left the system and was practicing in another town. Well, a lot did happen in December with the all the changes, so I find a Dr. very near me and I signed with him online. I called his numbers and no one ever picked up. When they leave a voice mail part came up - the system hung up on me. This happened several times. Then I get my third new cards from Humana, a new doctor was on them. He worked at the same - very near clinic, so I called the new number and got a voice mail. I left several messages and... nothing.

I went with this plan because my previous insurance was cancelled for the doctor that I was using. So I called my agent and he recommended Humana Choice (regional PPO). They now take something like 57.00 a month out of my check and I was told to use their RightSource Rx plan as the Rx was cheaper. I asked the agent what the turn around time was. He said 10 days. When my wife ordered the scripts they were all filled out properly and she was on the phone with someone from RightSource and was told the turnaround time was 10 days.

My family has the Federal Dental plan available to federal employees. We have had no problems in a year and a half with preventative care. Now my teenage daughter is scheduled to have 4 wisdom teeth extracted in two days. We chose an oral surgeon from the Federal Dental In-Network list, called him, confirmed he took Humana, went for a consultation, filed claim for consultation, got that paid, made appointment for 4 wisdom teeth to be pulled. Two days ago the oral surgeon called to tell me they never received authorization they applied for two months ago and that the general anesthesia claim was already denied.

I had Dental procedures done that my plan says are covered. Even called before to Humana to make sure they were covered. After 9 months of Humana asking same info or different info from my Dentist they denied claim saying it wasn't covered. Every time I call customer service and ask to speak to Supervisor they are "in meetings" and it delays any action on claim for 28 to 30 days. The last call I made was Jan 28, 2014 and was told they made an error and the claim would be paid. The 28 day period is up March 7, 2014. I'm not holding my breath. My complaint is that Humana gives you untrue information about your policy and then you cannot get any action in a reasonable period of time. The ins is through my Husband's employer and if this claim had not been outstanding we would absolutely not have renewed. This is to warn everyone to get everything in writing. Although I doubt Humana would give it to you.

As I suspected, the dental "coverage" covered very little so it turned out to be a waste of money. But..no big deal; I learned. The thing that gets me, though, is that I received a form letter saying that the next year's premium will be AUTOMATICALLY CHARGED TO MY CREDIT CARD. So if I don't want Humana's "coverage" anymore (which I don't), I'm the one who has to make time-consuming phone calls to recorded voices. So far, I haven't reached a human in order to cancel and to tell them not to charge my credit card, but, it's only MY time that's being wasted so I guess it's not important.

First of all their in-network dentists are very limited. Those they do have all have terrible reviews on Yelp. They basically don't cover anything but teeth cleanings. I paid $500 for the plan and got $1500 of dental work done and they paid nothing. 0. Then, they sent me a letter saying they were going to charge me automatically to renew my policy. I never said I wanted to renew! Scammers...They have a terrible wait time with their customer service and the live chat only will help you if you want to order a new policy.

Humana has tried harder each time to annoy me as a customer. First few months, I kept calling them to send me my welcome package with my Insurance cards. They kept charging me but never sent it. After 3 months I still didn't have the cards. From the very first time they've been making sure that my address was right and each time after they had the wrong address on file. I had to beg again and again and asked then why were they charging me for if they couldn't send me the card even after 3 months. I asked for a refund for those 3 months and they said "Sorry we don't have a refund policy". Well a couple of more times of Calling Humana and I have my and wife's cards in the 4th month after a total of 7 calls.

I purchased Humana Insurance because I had family and friends that work for them and preach how reliable and substantial their insurance is. However after purchasing their insurance, paying my premiums and paying my high deductible my nightmare began. I was later told I needed a Total Hysterectomy at the young age of 29, and double and triple checked that Humana had pre-approved my surgery and afterwards even sent me all of my EOBs which were higher than the quotes I was given but I paid all of the bills and exceeded my deductible and even paid more than they did for the operation.

This is the absolute worst insurance company that I have ever had to deal with. Their agents are nothing short of incompetent. I would be surprised if one of them ever took a single medical-related class in their lives. There is no consistency to the way that they process prior authorization requests. The hold times when calling their office are ridiculous and always require at least 5 transfers to get to someone who may or may not actually be able to help. This company is a joke.

I bought an Individual policy through healthcare.gov (on the phone). I thought the HMO would be best for me, since I am on a fixed income. Wrong! The provider network this Detroit HMOx has is tiny! My doctors take Humana, but not the one I have. The specialists are not affiliated with a hospital system. I needed a pain management referral, and both the doctors on their list are nothing but pill pushers.

I had been with pup insurance and changed to Humana in November during my Medicare period to change plan. I was told from the Humana rep that I would get better coverage and there would not be a charge or change from my social security payment. Will I get a letter from social security and my payments have been reduced 96 dollars per month because Humana did not give me the credit on my part B as pup. I called Humana, all they did was tell me to write a letter of complaint. I was lied to. Am really pissed off!

Signed up with Humana HMO through the exchange. Received card with a Dr. I didn't sign up for and call for appt. to find out he doesn't take this insurance any longer. Their directory for primary care providers is out-dated. After numerous calls to Humana and Doctors listed, I still can't find a Dr. to see. Experiencing dizziness, positional vertigo, lightheadedness, imbalance since November 2013 before thanksgiving. I need medical attention and a Dr. who can provide maintenance medications I need. I have been sent 3 insurance cards so far with a Dr. that is not in network.

In January of 2014 I applied for Humana Insurance and was told that based on my income, I would be paying $79.00 a month for my coverage, the basic plan. I was told a packet would arrive shortly with all of the details. After reviewing the information and weighing the difference between coverage or paying the premiums, it was clear to me that paying out of pocket was less expensive. I wrote to Humana that I declined the insurance and it was cancelled. On February 15th I received a mother packet and a bill for $324 for a corporate policy! This is absurd for 2 reasons. I did not authorize or give consent for the policy and I am not a corporation; I barely make more than minimum wage. I tried to contact Humana, but the corporate account offices are closed on weekends... I am sure there will be an update to this complaint after I talk to them on Monday... How can they bill me for something I did not order?

I started a new job & the Humana coverage began in Oct. All dr. visits have been challenged and claims refused as "pre-existing conditions". I have to pay premiums and office visits and the $ is not counted towards me deductible. So I am paying twice and it is as if I have no insurance at all. I will resign from my job because of this inferior insurance and will shop for insurance with the ACA.

I signed up for the Humana Walmart Preferred plan in Aug. 2012 for $18.00 per month, when I first qualified for Medicare. At some point in time last year, Humana split the plan into two different plans - Humana Walmart Plan and Humana Preferred Plan but did not notify me of the change. Instead, they sent a notice stating that my plan's cost had increased to $22.00 per month. The time to make changes to my plan, unfortunately, expired at the end of the year, however, not knowing that they had a lower cost plan, now called Humana Walmart plan for $12.00 per month, I did not elect to cancel or change my current plan. Again, without notice, I just discovered that I was moved into the "Preferred Plan", which is no longer part of the Walmart plan. I believe I was moved into this plan because it increased my premium. Had they kept me in the Walmart plan, my premium would have decreased from $18.00 per month to just $12.00 per month.

I have switched to Humana. I am on SSD. They did a long question and info over the phone to get me registered. They told me about all the programs I qualify for. Anyway now they call me everyday saying they want to welcome me and tell me about the programs and answer medical questions I've already answered. I'm tired of it, I’m sick and have severe mouth problems and I'm in constant pain. I don't want to be bothered anymore. I told them I'm not answering any questions and they say I have to because medicare requires it.

I applied for a Medigap policy in Dec.2013, and I was told to call 12/30/2013 to see if I was approved. I called that morning @8:30 am and talked to Christine and she said I was not approved yet, so I told her to cancel at that time and she said she would. I get a call on 1/2/2014 saying I was approved. At that time I told him that I cancelled on the 30th, and he said he would cancel. On 1/6/2014, I found out that they took the premium out of my checking account. I called Humana and told them to return the money and they said it would take 5 to 7 days. I waited 7 days and no money, I called 3 more times with no results. I sent 3 emails and they said they would have review it for 7 days and then 21 days before I get my money. It is now 2/2/2014 and no money. I called Humana again and they said I might get in Feb. sometime.

I have Parkinson's Disease. My neurologist prescribed a drug that I take in combination with other drugs he has prescribed for tremors, muscle aches and rigidity, balance, coordination, and the prevention of anxiety from these symptoms. Humana, because of this drug's cost, (and a study that suggested that this drug may interact with an antidepressant prescribed by my neurologist) has withheld authorization pending review. My neurologist and my neurologist's nurse practitioner called Humana to explain why, in fact, there is no potential for drug interaction, and that I need this medication to control the symptoms cited above.

I signed up for a plan in December on the Healthcare.gov website. The plan I chose was basically based on what I could afford and the fact that my primary care physician according to Humana provider directory she was in network. I paid my premium in December and received ID cards with a physician who is 60 miles from my home. I spent in excess of 15 hrs between holding and talking to customer service rep Fern. I was told they were having a problem changing the doctor in the system. I explained I needed to go to my appointment on 1/22 as I do have a chronic condition that has to be monitored and treated.

Here is my Humana Insurance Nightmare. My husband was in the middle of changing jobs, from the end of the year, into the new year, and we were not completely sure if his new company would cover me under his insurance. I started shopping around in the event that it did not, or in case I found something I would like better. I started the application process directly thru Humana's website, but NEVER finished it. It came to a point when I was required to put in my banking information, in the event that I decided to purchase this insurance, so that it could calculate my monthly payment with the correct amount of sales tax for my state. I never finished this application, and I NEVER e-signed to authorize any payment processing.

I have been trying for 3 months to find some place in town that will give it to me, but can't find any clinic or Dr's office that will. All the major pharmacies do carry it though. Humana will not allow me to use my 100 percent benefit anywhere in a town of 300000 except a doctor's office. So it's a totally unusable benefit. My doctor does not give it. And neither does anywhere else they have sent me to. They can't find anywhere in my network where I can go, but it's 100 percent covered. It makes no sense to me why they would allow me to get a flu shot at Walgreens but not the shingles vaccine. I have called and emailed Humana several times to no avail. It truly feels like a scam.

I signed up to get a premium package Humana Ins. not thru gov.health. com but another route in Dec.2013. I never received the policy info that I had purchased but my credit card was charged on Jan. 1, 2014. All thru the month of Dec. I kept trying to get thru the member support reps but it was long hold times. When finally got thru I was sent to a different dept and they never would answer the phones, would be on hold more than an hour. I was finally able to register online for an account and after viewing the basic info there were some things that I gathered they would not cover, again basic info not the actual policy so I started the process of trying to get this policy cancelled and my credit card payment refunded.

I had Humana Advantage last year. I could not wait for the year to be over so I could dump them. I have two insurances and Humana was my secondary insurance, with First Choice (one of the best insurance company's you can have) through my wife's work being the primary insurance. I would file a claim with both and First Choice would always pay their part but Humana would NEVER, and I mean NEVER, pay their portion. They would always have some lame excuse not to pay. The same claim, paid by the other insurance company, Humana would reject.

I have a daughter with a disability, because my husband retired and I recently have been determined disabled she qualified for medicare. My daughter was on Medicaid and continued to have medicaid. My understanding was she was a dual eligible. Well, after several uncomfortable phone calls with Humana I found out that she was not eligible for medicaid according to medicaid, yet her claims for medicaid were paid to Doctors and pharmacies.

Last year I had Humana Medicare Advantage Insurance called Reader's Digest Healthy Living Plan which included a Prescription Drug Plan with the insurance. Plan number ending in **. As usual in October, I was given the option of staying with Humana or choosing another Insurance company for my Insurance. I chose to stay with Humana. In 2014 Humana changed the name of this insurance from the Readers Digest Healthy Living plan PPO and renamed it Humana Choice PPO Plan. I didn't realize that when I applied for it online I somehow chose the plan that didn't have Prescription drug coverage. I didn't realize that I had chosen this policy until I received the card and became sick on January 7th.

Humana cancelled my dad's insurance right before he started radiation for an aggressive type of cancer. After 6 months of him living in at the same address, they sent a letter saying that he does not live in the county of Miami-Dade. Aventura is part of Miami-Dade County, but they claim that is not and cancelled his insurance. I have been on the phone with them since the day I found out, but every time I call they they say that another department will contact me. After not hearing from them, I called again and again but finally I spoke to someone who said that they were calling the wrong tel. number. Then they claim that they could not talk to me because they don't have the documents that authorized me to talk in my dad's behalf, I explained that I faxed them to the company about a month back and they claim that they could not find them. So I could not get anything done thru them. I am looking for legal advice.

I signed up online with a medicare advantage plan that said my current doctor was in their system and it saved me money, too. So on Dec. 26th I went to the ER and they kept me in the hospital for 2 days with my previous company plan. After I left I went to see my doctor and get the reports and treatment. My doctor was not in their program; I had no doctor. I looked at my card and I had no knowledge that they had assigned me some other group of doctors, without my approval and they practiced at the hospital I walked out of, so there was no way I would go back there. Now I had no doctor and an untreated heart problem. I had no doctor to approve my specialist visit to a cardiologist, my rheumatologist or to approve follow up diagnostic mammograms.

The Humana scam the Humana scam kick back with billions who getting the free tax credit money really. These ** don't want to answer any questions about the ** plans that they are selling us. They put you on hold for hours then hang up. They don't give a **! They already got your tax credit money! Sent me Duck-N cards with a f that I didn't even order. I never even given them any of my money yet. They just want the damn free Obama credit money. Why is that every one that answers the phone is speaking jubangles. Is the answering service getting the kick back money? Where’s my homies the Indians or rug riders who are not answering the phones now. At least they don't hang up on you. They’re happy to have a freakin job.

I have been trying to get a hold of Humana since the 3rd. Phone system either gets stuck in a loop or hangs up. I called 24 times on Friday before I finally got through. I gave them the new address, phone number and asked for information on the mental health part. They gave me the wrong number to call. On the 6th, I called 37 times before getting through. They gave me wrong information again. I am going to call medicare and see if I can change plans. If I can't get my medical care, why should I pay for this plan?

I am a new part D customer. I wanted to register on their site and and arrange for mail order of my prescriptions. I have only two. But the site said that it did not recognize my ID number. That is the number on my new Humana Card. It is Sunday but they say they are answering calls from 8-8. So I called them. Long wait time, over half an hour, then a person who says the internet seems to be hung up and she would send me to the pharmacy for the mail order sign up. No answer there either. I had time to fix my lunch, empty the dishwasher, eat my lunch. Finally I hung up. Consequence: 1. I am writing this note. 2. I will pay for January and try again in the new year to register and get my meds via mail order.

I had Blue Cross Blue Shield for 3 years. I went on to a contract job so I needed insurance, so I bought a 6 months short term policy Humana One. I was having some symptoms so I went to a few doctors and they couldn't find anything wrong with me even after many tests. Humana basically denied all my claims saying that they are pre-existing conditions and that they don't cover it. Now I owe $6000.00. It's their catch all phrase and I appealed and their denial letters sounded so completely ignorant. Beware of in-Humana!

Humana is the worst insurance company I have ever dealt with. I went to the Doctor in Sept. and had some tests ordered. With every claim Humana requested medical records. Here it is December and even though my doc sent out 42 pages of records, Humana claims to have never received them and denied all of them. See the doc for insomnia, denied. See doc for back pain and MRI, denied. Everything denied. They just keep dragging it out and want records sent again and again. Worst company ever. Do yourself a favor and choose another company.

Please be aware that Humana is indeed the worst Insurance co. (with my family's experience - Medical care & after reading reviews on many persons and even physicians' reviews after purchase). In severe need of medical insurance my family purchased a plan with Humana One for me. My medical circumstances are extreme and with the assistance of a specialist and a surgeon that is specialized in treating medical cases such as mine was denied by Humana (despite there being only a few surgeons in the United States that are skilled and experienced in handling medical situations such as I have) to be used as an in net-work facility, which Humana can grant (specialist & surgeon have to submit detailed documentation stating why this is vital and they did). Even after a peer to peer review, Humana denied assisting a loyal customer in need of treatment, claiming that 1800 plus physicians could perform the services.

WELL THUMBS ARE TUCKED AWAY FOR NOW AND IM CROSSING MY FINGERS AFTER A PERSONAL HUMANA AGENT CAME OUT TO THE HOUSE. HE HAD ME ENROLLED IN LESS THAN 30 MINUETS. WHY WAS THIS SO HARD TO BEGIN WITH? MY ADVISE IS TO CALL A LOCAL AGENT AND HAVE THEM PROCESS YOUR APPLICATION AND HANDLE OTHER MATTERS FOR YOU AND STAY OFF THE PHONE WITH THESE IDIOTS! WISH ME LUCK.

As a customer of Humana, I am totally fed up with the Humana service. I have spent an hour and a half the last two days on the phone with an army of Humana representatives attempting to resolve a minor issue. These people are clueless. They are ignorant about their own services and cannot respond to any questions or concerns to resolve problems. Perhaps they are too big to care or just an inept company. Shop around, there must be some companies that exhibit real concern for their customers. Humana is not one of them.

When I got this call on VM, I thought it HAD to be a scam. Represented themselves as Humana and wanted to schedule a doctor's appt to come into my home to verify my doctor was doing his job is the gist of it!!! I called Humana and FINALLY got a supervisor on the line to verify if they had authorized this and was told yes, they had!!!! Have no idea who these doctors are or where they come from. Sounds as if Humana is trying to save money by sending them into homes to look over meds, etc., then eliminate as many as they deem they should. Of course I would never authorize such a thing. Welcome to Obama Care!!!!! Sarah Palin was correct when she used the term death panels.

My mother is 90 years old and has dental coverage through Humana One. Recently she had a routine dental visit with cleaning and x-rays which normally they would pay a percentage. Well they paid nothing and when she calls she gets the run around because their computer system is not designed to be user friendly for older folks. So I agreed to call for her to discuss the situation. Once I got through the computer smokescreen, I spoke with a live person who was no help whatsoever. I told her that all we wanted to do was cancel the policy and that it cannot be done. Reason being she is under contract. Well from my business law class I remember that a contract is non-enforceable if it is not fulfilled by either party and their failure to pay the claim makes the contract null and void. The next step was simply to call the bank and put a stop payment on the pre-authorized monthly payment. This company is one of the worst I have ever dealt with and will hopefully never deal with again. Consumer beware of this outfit!

I got on the telephone this afternoon trying my best for the third week in a row in order to cancel a Medicare Advantage Plan, which didn't need in the first place. I felt so upset tonight because after five attempts to cancel the prescription insurance coverage, all of the customer service representatives hung up on me for no reason. I started the calls around 5:08 p.m., which still on call as we speak. Kassi is now telling me I got to write another letter cancelling the Medicare Advantage Plan, which in my opinion doesn't make sense because am on the telephone with her for the last 33 minutes. I asked to speak to her supervisor but for some reason Kassi or Humana doesn't understand I've spent so far 3 hours on the phone either on Hold with horrible elevator music or representatives but no assistance with the problem.

I have tried unsuccessfully to cancel this insurance at least 3 times, each having to wait over an hour on hold. I either get hung up on, or I'm transferred and then forgotten. If you are ready to sign up, you'll get a new person on the line immediately, but if you need to change policy/cancel - you are SOL. I hate this company.

I switched to Humana in early 2013 because my agent indicated that they would be better and cheaper. In May, I found out that I needed bypass surgery. After surgery they rescinded my policy and said that I would have to pay them back for every claim. All of this because I didn't tell them that I had had a nose bleed the year before. They are great until you have a claim, then they cancel you after the fact and at the same time make you uninsurable. Amazing. Stay away!

On August 13, 2013 I submitted a claim to Humana to be reimbursed for monies I expended for work done on my teeth that was covered by my plan. I had work done on my teeth that was covered under my plan with Humana believing that I would be reimbursed for same, only to find out that not to be the case. I filed a claim with Humana in August, 2013.

I am receiving bills from multiple doctors from multiple family members all claiming that Humana has failed to meet the deadline to pay their portion and now we have to pay the entire bill. One example is I went to the eye doctor that was listed in network. I paid the copay $55, I paid an additional fee for part of the exam not covered $199, then the glasses were also not covered $325. Now I am receiving bills for the insurance portion. I would have been better off going to TSO and paying out of pocket. My husband and daughter went to the dermatologist in network. We paid the copay $55. Then my husband had to have a biopsy of one of his and that wasn't covered, $319. I just received a bill for an additional $81.19. Why am I paying monthly for this insurance? I don't know. And Obama thinks having insurance is a good idea? WTF!!

Being a Retired Military Soldier, I was forced to buy dental insurance in the civilian market. I chose Humana, BIG MISTAKE. This company does not care for its members. I called the company before I had oral surgery and was told it was covered. Upon finishing the surgery, I was advised that Humana would only pay 20% of the bill, which I was responsible for the rest. I was totally misled by the Humana representative. I called the Humana customer service and the treatment was worse. The representative seemed very impatient with my questions, and her tone of voice was terribly unprofessional. The representative was even to the point of hurrying me off the phone. Please if you are reading these reviews, which I should have done first, believe them because they are more than truthful concerning Humana's service and coverage. This is a fair warning. Please do not buy coverage with this company.

I reviewed the 2014 provider’s list for my current Humana HMO plan. Mirroring the 2013 provider’s list the "Comprehensive Cancer Centers" is listed in the 2014 provider’s list as of 11/5/2013. This cancer center is one of the top notch, if not the only significant cancer treatment center in Las Vegas, NV. There are other oncology centers, but in my opinion the CCC is the best. I talked with Humana's representative and she told me that my HMO for 2014 would include the CCC. I asked her for how long. She replied “14 days”. Coverage would end January 14, 2014 - WOW!!!

Buyer beware. We have had Humana for several years and they have been very good. However, we were recently notified by 2 area hospitals, along with our only Regional Medical lab that they will no longer accept Humana after the end of this year. Doesn't do much good to purchase coverage that will not be honored.

Neither the agent that sold me my original Humana Medicare or anyone I ever spoke to ever informed me about the misnamed "optional" drug plan. Today after one year on Medicare and a new insurance carrier I get a letter from the new carrier informing me that because I DIDN'T opt in (because it isn't an option) in reality, I will have to pay an additional $3.50/ mo. for the rest of my life. Shame on Medicare for a pathetic clause. Inform Americans Plan D is NOT optional. Assure that Humana inform everyone signing up with them of this fact too. Don't get me started on Humana Dental, that too was me a case of fraud.

Dental Insurance - They do not pay claims even for fillings!!! Beware! Updated on 10/29/2013: They paid the claim 4 months???? later.

When the MediCare Plan D was established, a coffee-table-type BOOK arrived in the mail. Inside were countless toll free numbers a MediCare recipient had to call in order to learn whether a certain agency such as inhumane Humana covered the area where the caller lived. Right, every last one of the plans did not bother to cite coverage area. A person had to phone again and again trying to find out whether Plan X worked for a certain area. First, the caller got the basic phone-answer person who could not/would not say whether a certain Plan worked where the caller lived. "Oh," said Mr or Ms English as a Poorly-Learned Second Language, "I send you call to Custom Servicing, okay?" Thinking that maybe Mr/Ms ESL meant Customer Service, the caller could only agree to be put on hold and wait for who knows how long for someone to answer the call.

My 86-year old mother that lives alone was contacted to participate in a survey for Humana. My mother agreed to the survey to "help Humana". When she was contacted to confirm the appointment, they told her a doctor would be coming to her home. I asked mom to call Humana to verify this visit and the purpose. Humana could not verify anything after transferring her to several operators until she gave up after spending time with no answers. Then she was contacted by Dr. **, who told my mother that he would be taking her medical history and vitals and reviewing her medications to explore the possibility that she might be on too many medications. She told him that her daughter was opposed to the visit and he persisted by asking to speak with me. My mom gave him my phone # and the "Doctor" called me at 9pm to question my opposition to him doing this survey.

RUDE AND UNPROFESSIONAL. I called to see how much the dental insurance would cover for my husband and me to get a root canal. It was hard for me to understand what the representative was saying because English was not her first language. When I told the representative I could not understand her, she started yelling at me and saying, "I answered your question!!" Which she DID NOT!!! Then the representative told me she could not answer my question about the cost of a root canal. I would have to call the dentist or go to the office myself. WHAT??? I called again and got another representative who was rude also but did answer my question. I am canceling this plan as soon as I can. I am not paying for someone to be rude and unprofessional to me!!!!!!! And tell me to find my own answer!! NASTY NASTY!!!

The problem with Humana in North Carolina is that they moved into the state without establishing a physical network. Chances are good that your doctor does not accept Humana. I returned to Blue Cross Blue Shield.

Humana decided to cancel my parents' coverage due to them moving and not updating their address. They moved into a care facility that we pay for out of pocket - has nothing to do with the insurance. And, it is the same county. I am named as their Power of Attorney and handle their mail so I updated their address to my address. Humana will do this more and more - beware! Humana is the worst and most unethical!!!!!! My father is currently in the hospital and is looking to have his toe amputated and my mother has dementia. Thank you, Humana, for being crooked and taking advantage of the elderly.

Nobody should ever have Humana healthcare. EVER! My father is a 75-year old Veteran of the United States of Armed Forces. He was recently hospitalized at Baylor All Saints Hospital in Fort Worth for about 30 days. Then he was transferred over to Kendrick Hospital for an in treatment program for his physical rehabilitation for another 30 days. Both hospitals took amazing care of him and have an incredible helpful and knowledgeable staff. God bless them, and thank God my father was released yesterday in good health and spirits. I went to our local pharmacy to get my father's multiple drugs prescriptions filled. When the pharmacist informed that my father's health insurance has been terminated.

I enrolled months ago in this plan from Humana One Dental Plan HI215 and since then, I try to find a good dentist. But every dentist in my area (+10 miles) with a good review isn't in the list for this plan. I had to tell them during the enroll a primary dentist and followed a suggestion from my neighbor. Unfortunately, this dentist works only from Monday to Thursday and not on Fridays. I am only at home and in my city on Fridays because I have to travel from Monday to Thursday.

My wife and I were investigating private insurance since the rates at my employer went up a lot this year. Someone suggested Humana so we called and filled out the application. We were told to expect calls from Nurses or Doctors that work to verify the information we had submitted and to interview us. None of that ever happened, and after placing 5 phone calls, 3 of which I was dumped into voicemail, we decided to go with another provider.

Was not told that the coverage required a year's contract. Coverage does NOT cover more than ONE X-ray and only covers 50% of preventative care (i.e., cleanings, exams, and X-rays). Requires a $50 deductible!! You are paying for absolutely NOTHING!!! Don't take out Humana's Dental Coverage!!!

Whatever you do, don't ever, ever, ever get any kind of health plan from Humana as they are the worst. The customer service rep explained that Humana was a great insurance plan, but when I got sick, Humana proved to be the worst. I saw my primary care doctor that was assigned to me by Humana for a severely infected toe. I was put on antibiotics and was told to return to the doctor's office week after week. I asked her many times if the toenail should be removed because the infection wasn't getting any better. No, no, no, she kept telling me the toenail would heal on its own and to not cut the nail. Really?

Several weeks ago my aging step-dad broke his hip and needed hip replacement and he was then put into rehab. It's been slow going and he has fallen 3 times since he has been there. Last Wed. evening 9/18/2013 my 87 year old Mom called and said the facility is sending him home on Fri. 9/20/2013. I then called the facility and they said his insurance said his last day of coverage was the 20th. so I asked if they are sending him home and they said no he's not ready to go home, it's just his insurance is being dropped.

Job changed from Blue Cross to Humana 2 years ago. It is far-none the worst medical I have ever had. I have stopped going to chiropractor; started costing $55 a visit, used to be 20 bucks. I have stopped taking medication since only generics are cost effective but depending on where in the world they are made means if they work or not. I went once for plantar faciitis exam; was covered. X-ray was covered, piece of tape not covered, orthotics not covered and shot not covered. Wound up costing me 200 bucks and I opted to not do an orthotic for an additional $250. I am scared to suffer a bad illness like a heart attack. Do I really have to ask for everything they are doing to me to see if it’s covered? It’s not right.

Sister's body started rejecting kidney 26 years after transplant. Doctors advised to have plasma infusions and a procedure called IVG's, which was approved by Humana. Had a total of 10 at $8,000 a piece. Humana has capped anything to do with renal at $30,000 so now she has a $50,000 bill from the hospital. She works two jobs to make ends meet. Thought she had the best insurance policy available and because she works, she can't get any help with the medical bills coming in. Humana just suggested she call different agencies for assistance, which she has contacted all she is aware of, and left it at that. Work hard all your life and look where it gets you.

Humana tries to attract medicare members. It is the worst insurance. They do not cover half of the things that medicare covers. When the physician's offices tries to reach Humana insurance claims, the calls are forwarded to Philippines. When the calls are transferred to foreign countries, you can barely follow what they are saying. After hours of trying to talk to them, the calls get disconnected. We have informed all our patients today that we will not accept any more Humana patients. We are not able to provide proper care because Humana does not cover even simple injections. I would advise all members and physicians to run as far away as possible from Humana.

It is very obvious that their motivation is to grind you down so that you just pay for the meds out of pocket. It's all a formula to add to the bottom line. Hello, 60 Minutes.

I have had a lot of different health and dental plans over the years due to frequent relocation, but I have never, ever seen such a lack of professionalism, poor service, incompetence on the phone, tardiness, and outright lying to the customer and the dentist on the phone as in the case of Humana. I have been waiting for cost predetermination for a dental procedure for more than 4 months now. According to my dentist's office, predetermination usually takes about a month with other insurance companies. Humana Dental takes 60 days and then, on the top of that, does not meet its own deadlines. 60 days became more than 4 months and still nothing. How difficult is it to determine a cost of procedure?

I have been managing a dermatology office for almost 6 years now and have had a flood of payment issues with Humana. First off, in 2009 they denied 90% of office visit claims requesting that notes be sent to SIU (special investigations unit). We followed this and remitted all requested documents by mail & fax. Somehow, they said they never received most of them, and on the ones that they did receive they denied payment. I fought with them all through 2009-2010 for claims submitted in 2009. Again in 2010 they told our office we need to send office notes to SIU again for 2010 claims. Once again, they claimed they never received claims or denied claims even after SIU approved them for payment.

Been going around with them for 2 days. My doctor called them. Well, they have no record. Tomorrow is another day on the phone with Humana, doctor's office and drug store. Humana just doesn't get it. My doctor doesn't have anything better than to mess with this. I feel for doctor.

In 2010, Section 2712 of the Affordable Health Care went into effect. The section prohibits rescission except for fraud or intentional misrepresentation of a material fact. Congress specifically condemned the practice. Shortly after buying a Humana policy, I herniated a disk and had to have emergency surgery to avoid or at least diminish permanent damage. Even though I had a high deductible plan, Humana was stuck with the emergency out of network charges under the law. So what do they do? They "back underwrite" and look at my application to see if they can find a way out. The Humana underwriters misquote what my doctor's records said. My doctor and I both sent them letters saying they were misquoting. Humana still rescinded. I'm appealing it.

My very ill mother cannot even get one of the sick, disgusting Humana doctors to return calls when she is in the hospital and they have a CREW of vipers and low life blood suckers that do nothing but try to get you out of the hospital from the moment you are admitted. They are the most hideous, lowlife trash living. They actually had a low level Humana slime go to my mother's hospital room and serve her a notice that they would no longer allow her to stay, medicate her or allow their worthless doctors to care for her and she was thrown out of the hospital after a year of chemo and many botched surgeries. I think this company is vile and disgusting.

Signed up a few weeks ago with Humana due to a move and change in employment. Checked out several health insurance providers and Humana offered the most "affordable" plan based on my needs. After paying the initial payment via credit card (to avoid a service charge!), I received a bill for the insurance premium. Some time later, I found out that initial payment was double-charged but the payment was credited towards next month's premium.

They only manage to rate 1 star because I can not make a negative rating! Over 2 weeks ago my bank account was mistakenly debited for almost $1500 by their billing department. After many phone calls I still do not have a credit back to my bank account. Even though every time I have called I have been given the same speech. Every time I am told that an expedited refund had been ordered and that I should have the money back in 3 to 5 business days. We are now going on 8 business days with no refund. When I call get the same old answers to my questions with little or no concern for the fact they have drafted money out incorrectly and left my family and I in a financial bind. I am tired of calling and being on hold for up to 30 minutes only to get the same answers and NO RESULTS!!! If I could easily change insurance and have my family covered during the transition I would without hesitation. I have no doubt that in the coming months I will begin to search for a different insurance company.

When I had cataract surgery on an eye, I had to visit my primary care eye doctor. Humana is declining to pay for this visit because they say this eye doctor is not in the "family network of doctors" which he is. He is listed with all the other medical doctors in the back of my "evidence of coverage" book. People have called from the eye clinic, and complained about how long it took to get through to a person. People calling on my behalf said it was true that I did not need a referral to see an eye doctor "in the system". However Humana has again sent me an identical letter denying coverage for my post-op required cataract visit. I will continue to pursue this, but am afraid more and more doctors will opt out of the 'system' if Humana continues to play these games with their customers.

Do NOT sign up with this "expanded Medicare plan". You will be bankrupt with their plan... You pay $10.00 copay for PCP & $35.00 for specialists. What they don't disclose is that you have to pay co- insurance... They pay less than Medicare so you pay more out of pocket. I had an emergency surgery for fractured femur & knee... Closest trauma center is 60 miles from my home. I have several of thousands of dollars in non-covered items including the surgical cast placed in operating room, private room (hospital only has private rooms), ambulance charges (60 miles to nearest trauma center), etc., etc.

They just sent me a letter saying I could only get 90 days a year of **. How can they, an Insurance company, dictate Over what my doctor prescribes for me?? Also they will not let me have a prescription for migraines that my Neurologist prescribes for Migraines! I HATE change of anything but I will definitely look into changing from them to a different company next time!

I have been receiving acupuncture for 2-1/2 years now and feel it helps a great deal with my sinus and shoulder pain issues. Humana seems unable to do anything consistently when it comes to my reimbursement claim. I sent in all my claims for 2012 in one envelope; it could not have been more simple. I filled out their form with all the information and original receipts for my reimbursement. First, they sent the entire reimbursement, in smaller checks, to the provider; this being after I filled in the request to reimburse me since I was the one that put ALL the money forward. My doctor told me about this and he shredded the checks as he has nothing to do with the filing of the claims. I was told, on the phone by Humana, that what they did definitely did not make sense and she would look into it.

They try to deny medications, and their mail order is terrible. My sister gets 4 prescription psych meds. We order them from Humana's Right Source every three months, and every time, there is a problem with the order and it seems to get stuck in the system. I have to call and wait on hold for a long time, and often the first call does not get them to process the order. This causes delays, and my sister starts running low and worries. Once they decide that they don't want to pay for something, they make it very difficult to get it. The people in customer service have gotten a little better after July, 2013, but the system there is just so bad that we are definitely going to change for next year.

We have had Humana coverage for 8 months. Out of the blue Humana has denied a prescription without warning that they have been providing. My wife has zero on hand. She has been dependent on the medication on a regular basis. Humana has the original prescription in their possession. This appears to be less of a health issue and more of a money issue on Humana's part! Their website for appeal is very awkward! My wife's health is a RISK while Humana plays games!

I KNOW HOW TO DEAL WITH THEM. First, have been taking an Rx for years but Humana decided not to pay for it and instead they tried to push me another one. I googled it and found out so many complaints about this new Rx that I spoke to my MD who agreed with me and he faxed them a note saying that the new Rx has not been tested enough. It has too many side effects and I should remain on the old Rx. Problem solved.

Just got notice my husband's supplemental policy rate is DOUBLING. Reason? Humana cites cost increases. Really? Double? Already pay $400 month for prescriptions not covered. With increase, after prescription costs and Humana's insurance, will have about $300 a month to live on. Obama has done nothing but give insurance companies a license to rob.

Co-pay went from $5.00 to $7.00. I will change to some other prescription drug plan this year. Who can just charge a 40% increase without some type of explanation other than a insurance company. Where is the consumer protection agency.

When we first signed up for Humana we were pleased with its prescription drug coverage. Though not as good as non Medicare companies, it was very acceptable. However, that has changed. I recently attempted to fill 28 pills of 5 mg. Crestor. The doctor told my wife to take one half a pill every other day, so that she could tolerate the drug, which worked beautifully by the way. However, because the month's supply of pills lasted us 2-3 months, Humana charged us ninety dollars for a three month supply. Second, I filled a generic lotrimin cream and paid the generic price of six dollars last December (2012). When I refilled it in 2013 my copay was forty dollars. When I asked why I was told, "We moved it from tier one to tier three." I said, "Why???" They said, "We just did."

Today I called Humana about my meds (Cost) and was told I was at a gap. I asked about no letter or phone call or even an Email... The customer was so bad. I was hung up on, yelled at and was told, "It's just what it is." When I asked to talk to manager, I was told, "Why, what are they going to do for you?" Still no real answers. I wish I could talk to the used car salesmen that sold me this bill of goods. One thing is for sure. This yr, hello AARP, good bye Humana... I wonder do they even care about their customers...

With all the complaints against this company I'm amazed that nothing can be done. How do we not have any rights here? If you are paying for a coverage that fails to meet your satisfaction, why as the paying customer do I lose my right to cancel the coverage just because their small print says you have a one year contract? My Humana Dental Ins was bundled on an e-surance site where I bought my BC/BS insurance. My coverage was no longer needed and BC/BS canceled my coverage after they received my letter of explanation, no issues.

I had a Humana Plan for supplemental to Medicare but dis-enrolled during the allotted time. The entire story is too long to detail. They continued to bill me for 10 months; neglected to inform Medicare of my dis-enrollment and so my claims for 1 1/2 years were constantly being denied. Whenever I called, I was assured that yes, I am dis-enrolled. I got so much misinformation; getting cut off on the phone and transferred from one department to another. I finally decided that I'll not take any phone calls but will only communicate via letters. I want EVERYTHING in black and white. The worse service I've ever had with any company ever. Ever! At this point, I'm filing a complaint with the Attorney General of KY and will do BBB and a few other agencies.

On 4/27/13, I received a letter stating my acct. would auto draft monthly beginning 5/1/13 $137 per month. Upon my discovery, in June 2013, Humana One never drafted the monthly premiums due to billing error. I was told there was a billing error and would have to pay $411 (May, June, July monthly premiums) or my account would be cancelled if payment was not received by 7/1/13. I was never contacted about this error and if by chance I had not researched my account, Humana One would have cancelled my insurance policy. I submitted the full payment of $411 on 6/26/13. Humana made a billing error of some sort and deducted $442.97 from my checking acct on 7/1/13. 7/2/13 is the beginning of the nightmare. Humana One has yet to refund the full amount of $442.97 which was due to their billing error. I have called numerous times requesting to speak with a supervisor and have been denied on every occasion. I have also emailed 3 customer service complaints via Humana One website.

I have been with Humana some years and am an Insulin user. I am on Medicare and presently only a very few dollars from being over my $2950 allotment and into the donut hole. I had only a few shots left when I realized I was so close to the donut hole. Financially, I could not afford any insulin so I contacted the manufacturer and they are ready to send me a supply. I received a fax in six minutes from the manufacturer to fill out and my Dr. filled out his section in 45 minutes. Here is where my problem started.

I am a senior citizen. I switched to Humana for my supplemental insurance. OMG this is the worse company I have ever dealt with. Because I worked for a year and was covered under a medical plan with them, Humana would not pay any of my claims. After losing the job, and six months have passed, Humana is still not paying for a thing. They send me notice after notice that I have to clarify if I have another insurer. I have called 11 times, no kidding, 11 times at an hour each call and each time they say it will be cleared up and to refill in 10 days. NOPE!! They don't care, they are paid by government and thumb their noses at paying for anything. I am so disgusted, not sure what I can do, looking for a way to go after them or get my government to do it. Help anyone??

I paid $384 a month for 4 months for this insurance. When I hurt my neck, I called 11 different doctors' offices and none of them took Humana. I cancelled my insurance with them & signed up with a new provider. I'm happy now!

I became a member of Humana on June 1, 2012 as a supplement to Medicare. In October of 2012, I moved to Arizona and notified Humana of my address change. I injured my knee and requested an appointment with my primary doctor assigned by Humana. No appointment was available with this physician until December 31, 2012. In November, I could no longer tolerate the pain and visited a same day clinic approved by Humana. The bill was submitted to Humana for $446 and benefits have been repeatedly denied. Humana would not tell me the specific reason for denial.

The customer service reps are great, and they answered all of my questions whenever I called, but I learned that paying cash only cost less than using the C550 plan. I purchased Humana One Dental C550 plan via ehealthinsurance.com, but I do not see the value of the plan. Their dentist appears to recommend the more costly/not covered treatment options from the C550 plan. The plan required me to select a dentist, pay a $35 nonrefundable enrollment fee, and a $158.16 annual fee. When you visit a dentist there is a $10 office visit fee, plus copay for whatever services you have completed, and x-rays are no charge. I selected my dentist from their list of available dentist on the ehealthinsurance.com, and my application was approved. But later I learned that my dentist did not accept the C550 plan, no problem.

My husband and I bought Humana insurance last couple of years ago. When we purchased the insurance, we were told that our in net deductible is $5,000 and $10,000 out of net. Unfortunately, I got sick and had to go to emergency room at two different hospitals and then was hospitalized at a third one to get diagnosed, then had to have other visits to doctors for more testing. Two of those hospitals were out of net and the bills from the hospitals and doctors were about $35,000. One would think that Humana would apply $10,000 deductible for us to pay, and then pay the rest, but they only applied around $9,000 to the deductible, so we ended up with a full amount to pay because deductible was not reached.

Before purchasing their short term insurance, they said I can change the billing cycle and it is 30-day money back/satisfactory guarantee. I needed the insurance for 2 months, let us say from May 28th to July 31st. I asked them that if my policy starts from 28, I can change the date to every 1st of the month, and they said okay. But after I spoke to them last Friday (06/21), I came to know that they are cheaters. I was asking them to provide the audio conversation and recording to comment anything but they are not agreeing and instead, they are transferring me to different teams internally, and at the end of the day, my BP increased... It is not like they are cheaters more than they’re really unprofessional customer agents. (I'm not telling that all are. JUST THE PERSONS WHO SPOKE WITH ME.)

I think that all Americans should be aware that while paying for insurance with Humana with American money, that Humana sends our jobs to the Philippines. As a member, you will probably talk to a person from the United States because they know that a member would most likely be upset that he/she is talking with customer service in the Philippines. As a provider, we call the provider line and it is very frustrating that I can't understand the person I am talking to and that person can't understand me. They don't understand the American Health Insurance. I have to constantly repeat myself and if I dare ask a question out of the ordinary, the person just keeps reading from the computer screen. So, know what your money is supporting.

I seem to be getting into a pattern after 6 months with Humana. It's happening with almost every claim and that is they come up with some bonehead reason to reject my claim. I then have to call them and go through the process of showing them their mistake. It wears you down but I think that's what they want to do so you'll give up and pay the claim yourself. I've been on Medicare for 3 years and was very happy with the coverage I had before Humana. Their agent came to my house and sold me on how I would save money. It all looked good on paper but the result is I'm paying two times more than what I had before. The big surprise for me was to find out Humana will not pay for some things that Medicare will. As soon as this Medicare year ends, I'm going back to what I had before. Humana has about broke me, never again.

After having Humana, after 6 months, one of my twins had to have surgery due to a hernia. The cost was very high, which Humana didn't pay almost anything towards the bill because we had a high deductible. This left us over a $9,000 bill...Then, a few weeks later, Humana sent us a letter saying they increased our premium on my son due to him having Autism. This is straight out wrong and fraudulent. They raised it so high as to force us to cancel our insurance policy. Of course now, after we have met our desirable, Humana put nothing on their application asking us if our son had Autism. In fact, both boys have Autism, but they only target one twin. When I called their underwriting department, I was told I should have checked a behavior disorder...I'm like, “Are you kidding me? NOT every child with Autism has a behavior disorder. Every child with Autism is different, and no child is alike."

After cancelling my mother's Humana Dental insurance TWICE, Humana continued to charge her bank account. When I called back to talk to a customer service person today, I was hung up on. I called back again and was put on hold for what seemed like forever. And after beginning to speak to a customer service manager, the line went dead. During our short call, the supervisor said they would not issue a refund as they never received my requests for cancellations EVEN THOUGH I have documentation a fax went through in March of 2013.

My husband and I received letters a week ago stating our doctor would no longer be part of our HMO plan as of August 1. Another doctor was chosen for us... someone we do not know. Our current doctor says she is not quitting Humana; they are quitting her and she has filed an appeal. After registering complaints with Humana, our local rep told us our doctor is still going to be part of a preferred provider plan next year and our rep will be happy to help us sign up for a different plan during open enrollment. This makes no sense!!! We will switch plans before we switch doctors as we have a relationship with her that started when we moved into the community 10 years ago.

I had been dealing over the phone for 5 times without an answer about 5 family doctor visits just for regular medicine prescriptions and they made me pay $35 instead of $20. All they say is "We are reprocessing the claims" every time and it will take no more than 30 days and I have been dealing with them for more than 70 days. I will fill a claim on the Illinois Department of Insurance now.

I had severe pain suddenly develop shooting from my jaw up to my temple. I went to the emergency room because it was so painful. Nothing I had ever experienced before. I was worried it could be something serious. This was my first time ever visiting an ER (since I have been an adult). Humana will not pay the bill. I called customer service and told them everything about my visit. They told me the hospital billed it wrong and if I sent an appeal, it would probably be accepted. Well they denied it again. So in the future, if I ever have any kind of pain I guess I have to just suffer and hope it's nothing serious until I am able to get in to see my regular doctor during office hours because I cannot afford to pay for ER visits, which cost an outrageous amount.

I added my wife to my dental plan in January 2013. I did not know that they did not cover her cleaning until the end of February. I now had to pay for the dentist and Humana. I canceled my wife as an add-on the same day that I got a bill from my dentist. I was told that she would be canceled effective March 1st. I then noticed that they continued charging me for March and April. I called and told them that I had been overcharged. They told me that they had no record of me dropping my wife and that I could drop her on June 1st. I then wrote a letter of appeal to Humana and three weeks later, I still have not heard from them. I dropped my wife and I on May 30th. I will have paid them for five months for nothing. Please help.

I have breast cancer. It seems I made a big mistake getting this as a Medicare Plan. They deny medical services a lot, and you work to get them to even consider paying. I was on Warfarin (Coumadin). They still have not paid for ER visit. I had a nose bleed... on a blood thinner you bruise or bleed, and it does not stop; you must get treated or bleed to death. Next, refused to pay an out of net provider who was willing to accept the lousy fees for surgery skin stretcher since the mastectomy and lymph node removal left very little skin tissue to have reconstruction done first - told the non-par they have a provider to do this. They do not!!!

My mother is 85 and in Rehabilitation for fractured spine and cannot walk and get out of bed alone. She was supposed to have coverage for up to 100 days - Humana has sent letter to Rehab that her coverage is denied after 45 days with no reason. Appeal one, we won and had extended coverage for two days... Then there was another letter with a new date and the same thing. This is the third one. After numerous calls and now a holiday weekend, still no reason was given.

I have Humana One Dental insurance as an individual policy. They specifically state that they cover 2 dental visits a year and 2 periodontal visits a year. I have been seeing my periodontist for years due to gum surgery. Humana says because I went to my regular dentist, there is no need to see a periodontist. Both my dentist and periodontist require these visits for good dental health. I finally filed a complaint with the Ohio Dept of Insurance. Humana paid the periodontist claims as an administrative decision, but would not guarantee they would pay future claims. They also said the Ohio Dept of Insurance has no jurisdiction over them. That I would have to go through Missouri!!! Their customer service reps and supervisors (in the Caribbean) were of no help in the 6 to 8 phone calls. I had to appeal to Humana directly twice!! This company stinks and is a ripoff!

Humana dental HS 205 - I have to say their dental insurance plan is truly awful! They assigned a dentist to me but this dentist is no longer available and they asked me to wait until next month to get another dentist assigned. The customer service representative is very rude and shouted to me that nobody calls at the end of the month! Today is May 24th and there is still a whole week before the month is over. I have paid for the insurance but now I'm told I can't go to see a dentist because of the assigned dentist is gone (I have never ever gotten any notice that the assigned dentist is gone) and they are unable to assign another one until next month. This is way too ridiculous, plus that the customer service person is very respectful.

I have been going around in circles for days between Humana, the pharmacist and my doctor's staff trying to get a simple refill, after they have been approving it for over 2 years. It's a joke with hours on hold, then incomplete answers and another number to try. All I want is a decent night's sleep. It's $5! I most certainly will be changing part d provider come October.

My husband and I were forced into a Humana policy after the company he worked for dropped carriers. It has been a nightmare trying to pay our premium. They are supposed to deduct payments from our credit card. We get calls every two months that we are two months behind on our payments because we haven't paid! Someone is not doing their job. It should be simple. Deduct the payment and post it as paid. So far they are unable to do this. I have talked to half their staff I bet and keep talking to person after person and giving them the same credit card time and time again. I hope they can soon hire someone who knows how to do their job and stop stressing us out with threats to cancel our policy. Last month it was my husband's account; this month it was mine, which has gone on since we enrolled in January. Hopefully, they will do an internal audit and fire the nitwit who is messing with us.

My mother needed home health care and Humana said there were plenty of home health agencies in our area that took Humana insurance. However, the agencies said that Humana paid them such a low rate for their services that they could not afford to take my mother’s case. We switched mom from Humana medicare back to traditional Medicare and boy are we glad we did...

I made the mistake of switching to Humana this year. Now when I get my migraine medication (generic for Imitrex), Humana will only give me less medication than the doctor prescribes, and the co-pay is triple what I paid for on December 31 to my other insurance company. Also, unless I go to Walmart, I have to pay considerably more. When I was signing up, they said generics were $1 copay at Walmart. I have a master's degree and am not an idiot. I did not misunderstand. The pharmacist and workers at Walmart said that my experience with Humana is what they see every day. I am surprised that this company is allowed to sell a medicare supplement. If you have not yet purchased a plan, do not buy from this company.

Wow, I just signed my boyfriend up for Humana One. We have received the insurance cards already and everything. I just needed assistance picking a dentist and registering on their site but the associate, Casey, totally ruined it for me. She did not want to help at all. As soon as I figured out (by myself) how to log in, I will be sure to cancel ASAP. Stay far away. No help whatsoever!

Since January 2013, we enrolled through State of Texas Insurance for health care insurance. I have called since 9 times. So many excuses - 30 days waiting period, each time you call and under review process, submitted for billing dept., no direct contact with billing dept., sent a letter to grievance and dept. for questions, 60 days again, waiting period, all excuses. I was reading Texas Medical Journal; I found it is the worst and last ranking in insurance company that you can have. It seems to me it is bankrupt or financially bottoming out. I am planning a legal action and send a letter to Texas Insurance Commission. Send me any other idea or guidance you may have. In my opinion, this company should be out from insurance.

I signed up with Humana One about a year ago for dental insurance. The dentist then sent the insurance claim form twice to Humana One but they said they never received it. I called and asked for my insurance to be cancelled. They then said it's cancelled; however, they had somehow magically, without my permission, had created two separate accounts for me, so they kept charging me for a year. I literally sent about a dozen mails to their grievances department and none of them was able to resolve my issue. Their phone customer service is absolutely useless, the worst customer service on the face of the planet. I would rather have my teeth fall off next time before I sign up with Humana One. Avoid them at all costs. Needless to say, they never reimbursed me. So I spent a load of money in a year without ever using them once. They are your modern day thieves.

I enrolled in Humana for private dental insurance while I was between jobs. As soon as I was enrolled, I attempted to use Humana to get my teeth cleaned. My dentist's office informed me that the coverage from Humana would cover barely any of the cost, to the point where it didn't make sense to pay for insurance when I was practically paying out of pocket anyway. As I was still in my "free look" period, I cancelled my coverage. Two months later, I am still receiving charges from Humana for insurance, which has been cancelled.

With my husband's new job came a change from Cigna to Humana insurance. Our sons, both of whom have cystic fibrosis, are covered under our health insurance. Both young men are on multiple cystic-fibrosis-specific medications. In their 22 years of life, we've never had such problems with pharmacy coverage for their medications as we have with Humana. For example, one of the medications is an inhaled antibiotic called Cayston. With both Aetna and Cigna, we were charged $25 per individual per month for this medication. With the switch to Humana, we've discovered it's a Tier IV drug with a $1473 copay and a $2000/person/year out-of-pocket deductible. Even with co-pay assistance from the drug's manufacturer (Gilead), our co-payment is $600/person/month for a 30-day supply of this medication until the deductible is met.

In December 2012 I went to renew my brother's subscription for Xifaxin, a medication to reduce high ammonia levels in the bloodstream. After two years of paying $3.60 copay, suddenly it was now $412! We had been routinely solicited by Right Source (Humana's mail order prescription plan) for almost a year to switch to this plan and that it would save money. I called Right Source to see what the problem was as it didn't make any sense that the cost would go up like that. I was told to call Humana. You call Humana and you're told to talk to Right Source.

Unfortunately, we are one of the few providers in our area that accept Humana because no one wants to contract with them because they are so ridiculous. Home Health requires authorization but when I call, about 95% of the time I call and get to the point where I can speak to a representative and it goes to a busy signal and hangs up on me. Whenever I call and get a representative, I never get the same questions and they ask things that have nothing to do with Home Health. I've been hung up on numerous times after spending 30 minutes on the phone with a rep. They put me on hold to obtain the authorization number and somehow get disconnected.

This is my second year on Medicare. My first year, I went with Coventry. This year, I listened to a friend and tried Humana and have regretted it ever since. Every time I have tried to use Humana, I have had a problem on which doctors, specialists, facilities, and hospitals participate. What I am told and what shows up on their website are two different things. It seems it can take months for it to be updated and accurate. When my concerns and I were sent to a Humana manager, we were told Humana is understaffed and overwhelmed and cannot keep up. Everyone we talk to has excuses and double talks and nothing gets resolved. We are stressed out and tired of doing all the legwork to resolve an issue. We have lodged a complaint with Medicare and have been told we will have to wait until next open enrollment period to switch health insurance. Open enrollment is Oct. 15 through Dec. 7, at which time we are switching back to Coventry. Good luck everyone!

Well they got me. Like a dumb ** I purchased Humana Advantage. I became eligible on March 1st, 2013. On the 12th, I went to a new Humana general doctor. While there, they noticed my right pupil was not responsive. This could mean possibly a stroke or tumor. The doctor had me wait in their office while they set up an emergency CAT scan. After an hour, they let me leave while waiting on approval from Humana. It's now day four and Humana has yet to respond even though the doctor's office calls several times a day. I called to set up an appointment with my ophthalmologist this morning and they said Humana had not approved a single request for c-scan or MRI since the first of the year. I am told that I cannot drop Humana until the end of the year.

Humana raised the deductible from 0 to $500.00 on fixed income seniors. The notice of the increase was in an 8x11 book that was over 100 pages thick. Humana was counting on folks overlooking the increase and they absolutely succeeded. My parents went to the doctor after the first of the year and were shocked to find out that they needed to meet a $500.00 deductible each. The name Humana suggests humanity. Well, this company has none.

It is my understanding that when someone receives medicaid and they also have medicare and/or let's say Humana, a person is to continue to pay their premium and medicaid is to reimburse the person's premium and pay the premium to the insurance carrier on that person's behalf. I received a statement from Humana saying I owe $279.00, even though they receive $31 every month automatically from my SSA check for 2012. So I called to set up payment arrangements of an extra $25 every month, so that will be $56 a month Humana will receive for 2013 starting in March so I will not be dis-enrolled.

My story is very long and I will log it later. My mother had two strokes and required three-hour acute rehab care and Humana Medicare denied our choice because they told us there were other facilities (1- and 2-star rated) that could do the same. No thanks. So we fought back and are still fighting. What I wanted to get across to all of the Humana screwees is to lodge your complaints with the Better Business Bureau. The BBB must answer all complaints and currently Humana has an A+ rating. That's right, an A+ friggin' plus. That's got to change and with the help of all of us and by spreading the word, it can quickly change to a C or D and then, they will be in hurting status. Pass it on.

I signed up with HumanaOne Dental Insurance for 2013. My previous dentist was included in the list of providers. After they had my money, I discovered that he was not in my particular plan. Dentists that are listed as accepting new patients are not accepting new patients. They continue to charge my credit card more than the advertised price. Customer service telephone recording tells me that my member ID is not recognized. I could not register at the website printed on my ID card. Multiple emails were ignored. I was told there was a technical problem and to use a completely different site.

My employer uses Humana for medical and dental coverage. I had to get two wisdom teeth extracted and was referred by my in-network dentist to an in-network oral surgeon. I spent 5 days going back and forth with Humana, our insurance broker and the oral surgeon's office trying to figure out my coverage. Each time I called, I would get a different answer as would the oral surgeon's office. Their employees don't even understand their own policies and can never give a straight answer. After fighting with medical and dental (neither wanted to pay it), I finally went through with the surgery - assured that everything would be covered, including the anesthesia.

I have been a customer of Humana One for over a year now. I finally got around to selecting a dentist and went on their website to pick one. I saw one that a few of my friends had recommended and gave them a call. They said that they only accepted the PPO and not the HMO. Nowhere on my card did I see anything relating to that so I gave them a call. It took me 25 minutes to figure out how to get a person on the phone and when I did, they were less than friendly. I found out that I did have the PPO so I gave the dentist’s office another call. The receptionist was wonderful and wanted to give them a call just to make sure. It turns out that the doctor’s office was on their list, but they wouldn’t provide insurance for them. That makes no sense. I have decided to just cancel my coverage and eat the cost (which ends up to be a lot of money) and pay out of pocket. Don’t waste your money!

I called because they didn’t pay a doctor; the same doctor I have seen for the entire time I’ve been tortured with Humana. Now, they say he isn’t in their network, and I must pay a $500.00 deductible. This doctor is in their network; he has been since they opened. He is listed on my Humana as a doctor in their network. I even talked to a supervisor and her words were, “This is how it’s going to be. Accept it.” They are rude, uninformed and don’t know what they are doing. I pay extra every month for a higher plan with a $15 co-pay. Now, they won’t honor the contract. Humana is the worst insurance I have ever had. It’s a fight to get them to pay. If you choose Humana, expect a fight to receive any type of benefits you are paying them for. If you are smart, you will choose any insurance but Humana.

They did not pay for services over 1 year ago. All the CSRs do is ** you. I cut them and recommend not using dental. The service was in January 2012. It's February 2013. They never paid my initial exam. I never got any other dental work due to them not paying. I paid premiums every week. I am so frustrated at Humana.

It does not matter when I have called or what I needed; I never got any answers or help. I have dental insurance through them. I got a bill for 1 filling for $662.00. I have never paid anything near that for any dental work I have had with any other insurance company. Now, I am told I cannot cancel this policy as apparently, I signed up for a year. I guess I missed that part. Do not do business with these people. You can't even speak to anyone; you have to write a letter. Ridiculous.

I went to the ER on 12/30/12, as I was having chest pains. They admitted me to determine I had 99% blockage in my main artery and needed an immediate angiogram, at which time they were able to insert a stent. Being that the surgery was on 12/31/12, I have seen some bills paid but anything from 1/1/13, after which the hospital has been put on a new deductible. How heartless are these people? I'm still in the hospital after having a heart attack, and they quit paying the hospital bill because it's a new year. This insurance is pitiful, shameful. And they should all have to suffer with the same coverage or lack of coverage they provide people. Shame on you!

After being born with a rare inherited and painful disorder, falling from a radar tower on a Federal Government contract during Desert Storm, I was finally fully crippled after being run down by a school bus. I was on a severely high dose of pain medication known as a compassion dose (go home, live out your life the best you can and fall asleep). I have survived on the meds for 11 years before spending 4 1/2 years in bed because of no strength, depression, anxiety. Finally, I discovered my pituitary gland was on the fritz so I started hormone replacement. Feeling pretty good, I went to the doctor and he lowered my medication by 2/3. I went to fill and Humana denied without any warning leaving me in intense pain and possible convulsions and seizures.

After I cancelled 2 cervical MRI appointments due to not receiving a pre-authorization number yet, on the 3rd try, Humana finally gave us a pre-authorization number; and the MRI was done. Then Humana refused to pay saying it was done 'out of network'. So why the hell did they give me the pre-authorization number? Now, bill collectors are chasing me for a $500 MRI bill, and I will not pay it!

I am allergic to 9 different pain medications, and my doctor prescribed another type of medication I have taken in the hospital and it worked. I had to have a prior authorization, and they still denied the medication. They are heartless and would rather see somebody suffer in pain to feed their God complex, because they are heartless ** and only care about profit loss and not their customers.

My wife had coverage with Humana and incurred a charge while in an emergency room visit on February 20th, 2012, which Humana first declined. After an appeal, they sent a letter saying they would pay the claim. Well, after several phone conversations (all representatives said they would pay and would call me back), not one of them has returned a call, and claim has yet to be reimbursed (this is January 2013). Beware of this company!

Humana is the only insurance company that wants its members to smoke, as they are denying my prescription for ** claiming I don't qualify under their plan and that I am not suffering nicotine withdrawal because I am still smoking?!

I signed up for the Humana dental plan through my work insurance. When they give you the packet, the first page shows your cost out of pocket for each procedure and type of dentist. Humana makes you pick a dentist so you can't go to any other dentist and be covered. So I pick my dentist. I went and she told me I need a deep cleaning which is done by the periodontist in the office. They checked with my insurance company first and came back to me with a treatment plan and what it will cost me out of pocket. Keep in mind on my schedule of co-pays, it shows and it’s in the same office just a different room patient pays $55 per quadrant. I left my dentist office having paid the $110. (My insurance won't allow the whole mouth be done at one time.)

I enrolled in a Humana Medicare Advantage plan via their website and received an acknowledgment. When I received the paperwork in the mail about a week later, I saw Humana had enrolled me in the wrong plan. I phoned them immediately and was told they could not correct the error as the deadline for Medicare enrollment had passed. Humana did not offer me any resolution of their error. I then went to the Medicare website and filed a complaint against Humana. But I understand from Medicare that it will take them at least 30 days to investigate this problem. So with a week to go to January 1st, I don't know what Medicare plan I am enrolled in - if any.

My husband has had drug insurance with Humana. Out of the blue, we got a phone call from a collection agency saying we owed $47.80 for insurance. Every month, I have made a payment of $14.80 and every month that I reconciled my bank statement the check had cleared. They claim we owe them for insurance for June, July and August. First of all, we pay on a monthly basis, which is $14.80. Just say we didn't pay (which we did), why not just send a notice that our insurance was cancelled. They turned us over to a collection agency instead, even though we have paid through December 2012. I would also like to know if this is legal. We are very upset because we have great credit and now they have involved a collection agency, which could be a bad mark on our credit. They told me I have to send front and back copies of the checks showing I paid for the months June through December. Of course, I can prove every premium had been paid. What can we do about this?

Bill collectors for Part D, Rx premiums - My husband is 75 and in the early stages of Alzheimer's disease. He is now registered with the VA and they cover his medical, including Rx. He was accepted in either October or November with VA. Humana was notified that he would no longer need to pay premiums as he has VA coverage including Rx. Yesterday, we received a notice from a collection agency to collect the premium for Humana as an unpaid debt. How is this possible? When a health premium is not paid, one is usually told they no longer have coverage. Is this method another Obama mandate? It's only $19.00, but it's the principle of the thing! We will fight it and expose them if necessary. Maybe you can help tell people about this. Is it legal or not?

My sister has a Humana Health plan. She was diagnosed with cancer the first week of Septermber of this year. It is now November and Humana physicians keep delaying start of chemotherapy. It is shameful how this company functions. By delaying treatments, they are killing her. The physicians ordered tests which have done nothing but delaying treatment for my sister. It appears that Humana philosophy is the accomplish cheap tests until the patient dies.

I spent hours searching for an email contact info for Humana, to no avail. I wanted to ask them to remove my info from their mailing list as I am not interested in Humana. Why should I have to call their customer care department, wasting my cell phone minutes? In this age of technology, every large company should have an email contact. This also makes me more uninterested in Humana.

I went to a family physician, and Humana is saying that I should have paid $40, not $15 as indicated, since she is not a 'specialist'. Other issues include payment for Radiologist that read the mammogram. The facility was on the 'in network' list, but the Radiologist apparently was not - you cannot choose who reads your results! I had blood work done, and since the lab was owned by a hospital, I had to pay $100 deductible! Another $100 for follow-up screening on a mammogram. I am new to Medicare/Advantage plans and have never had issues like these with an insurance company. You call and listen to 15 minutes of pre-recorded messages and then (most times) get a customer service who cannot help you. Unfortunately, I don't have a lot of choices where I live and most Physicians do not take Medicare. So I am stuck with Humana!

Worst past year of our lives! My husband has had railroad Medicare for years and we have never had a problem. Last October, my mother asked me to find her a supplemental policy to go along with her traditional Medicare. After checking, I found Humana under supplemental insurance. I chose this to help pay for the 20% that Medicare does not cover. It sounded good so I signed my husband up also. They both already had prescription coverage through Humana. Okay, so the way I understood it we would now have Medicare, prescription, and the new supplemental policy from Humana. Come the first of the year, things seemed fine until February when my pharmacy said we were not covered for drugs. I assured them we were as I had received the card in December. They put it through again and said no. I called the number on my card and was assured that we did indeed have 2 policies, one for drugs and an advantage plan.

My wife received a referral for a mammogram. We made the appointment, she had the mammogram, and then Humana refused to pay. They said it was a self-diagnosis. It was not. It was ordered by our doctor. I appealed and was turned down by Humana. I even quoted a chapter and verse from Humana’s own handbook. They didn't care; they kept saying it was a self-diagnosis. Women are entitled to one mammogram each year according to Medicare. I appealed to Medicare and they ordered Humana to pay, months later. I have spoken to several people who do medical billing, and they tell me that Humana is the worst of all the insurance companies on paying claims. If people don't fight Humana for payment, Humana gets richer at our expense. Don't do business with them!

My wife had an accident 14 months ago where she broke off her good teeth from her gum studs from a serious fall. She suffered in excruciating pain for many months while we submitted numerous appeals because Humana said "dental" was not covered (all initial appeals are ruled upon by Humana paid people). Humana continuously blocked us from receiving medical attention on every point! Finally, we got to the Federal Court of Appeals. The judge ruled fully and completely in our favor, stating that if an accident caused the damage to her teeth, it cannot be considered routine dental, and also that we had an Advantage Plan (Humana Gold) with expanded coverage. The judge proceeded to outline to Humana why they never should have denied us medical coverage in the first place!

Humana has boasted last year they are hiring 1,000 veterans. As of today, 11/8/2012, they have laid off some of those veterans. Ironic? Hire then fire. It's good for publicity. And on to exploiting veterans. They had a great initiative set up to help veterans that couldn't qualify for tricare and offered them a program just for veterans. However, it quickly turned into trying to infiltrate the VFW, American Legion and Amvets. They want to go to your organization and they advised you they will help you with getting new veteran recruits if they can have seminar at your VFW, etc. They only want to use smoke and mirrors that they are pro veteran when really they just want to sell Medicare. Way to be veteran friendly. USAA, you are not and USAA, you will never be Humana. Disgraceful.

I was calling around for quotes of insurance. Humana said they needed my debit card info. I explained to them that this was for my ex-husband and our son, and that we were going back to court because he was in violation of the court orders. The following month (May 2012), I am getting charged! I never took out the policy and now I cannot cancel it because I am not the policyholder and yet, they still debit my checking account. My ex-husband and I both have written letters and called in to get it cancelled and still nothing but the runaround. Now I have over 24 pages of correspondence between the three of us and the verdict is they will cancel it when one year is up! So bottom line is they are deducting a premium from my account (unauthorized) for someone else's policy with whomever signed up for it. My mother recently had a stroke, due out of the hospital today. Family is coming from all over, including Canada and I do not have gas money to go see her. Why? Because Humana has charged me hundreds of dollars for a policy I do not own or authorized. Worst company ever! I can't imagine if I did have insurance with them.

I have been seeing a physician at the Primary Care Clinic for a couple of years and it has been a bad experience for the last three years. Today, I was stuck in a room for an hour to the point that I had to leave since the physician never showed up and screened me. A nurse tried stopping me but my frustration level was too high. I had been turned down several times for being 10 minutes late for an appointment. What makes the system right when I have to wait for an hour or an hour and a half to see a physician? My time is as valuable as anybody in the clinic. Therefore I am not going to accept waiting for hours to see a physician to reorder my BP medicine. I have asked many times to either transfer my service to the Schertz Clinic or Randolph and the requests have been denied several times.

In April, I was taken by an ambulance to the hospital; my heart had an abnormal beat. It was one of Humana hospitals. And I was admitted to ICU for two days before they could get my heart back to a normal beat. After two and a half days, I was out. This happened on a Thursday and I was home on Sunday. By Tuesday I received a letter that they were denying the claim because the hospital didn't get proper authorization. Anyway, the hospital never billed me and they settled between themselves. The problem is any testing that was done was not covered so now some of the bills are going to a collection agent. So do I go to an attorney or just pay the bills? The hospital said I owe nothing to them but any testing or doctor's bills are not their responsibility. I have called and emailed Humana for a review and they said I could write a letter again. This is crazy, it’s their hospital and why can't they just take care of this? Guess that's how they stay a Fortune 500 company.

My grandfather was solicited through phone by Humana. Now, he is hospitalized and Humana is the worst insurance. The social worker asked if he was solicited by someone from Humana in Walmart and he said, "No, by phone." The social worker was so upset, saying that Humana does nothing but take advantage of the older people who knows no better and who's not reading the fine print.

This is the worst experience of my life. I specifically told them (at Humana Health Insurance) that I needed orthodontics for braces. They guaranteed that they covered that. The sales agent's name was Chad **. I came to find out that they deceived me into it as they don't even cover orthodontics, only dental. After 6 months of calling, writing letters and leaving voicemails for the supervisor named Tracy ** with extension number **, the case is still pending. All they care about is your money. They can almost see it over the phone, watch you cry, and still not give a damn. They need to be sued.

Long story short, I have kidney stones. Humana had to have pre-certs before I was able to have the CAT Scan. Medicare always paid and never had to pre-cert any condition my doctor deemed necessary. Less than 12 hours from surgery, I got a call from the hospital explaining Humana required a $250 payment the morning of surgery. Really? Medicare had never done this before. I would never recommend Humana to anyone ever. Like the lady in hospital acting said, "We like to see the Red, White and Blue card - end of story." I will be cancelling Humana as soon as I can reach someone via email or phone! Don't let their reps persuade you into something that sounds too good to be true. They are lying to you. If it sounds too good to be true, well, I'm sure you know the rest. Goodbye, Humana. May we never cross paths again! Hello again, traditional Medicare. In 20 years, you never led my astray. I am so back!

My mother was referred to a supposed in-network doctor for x-ray. After traveling to the location, only to find out they were no longer in business, she called Humana and was told there was only two other locations both over 50 minutes from our location. With no further options for in-network x-ray, we drove over 50 minutes to the place directed only to find out this place was a person's residence and that this person was in fact a cardio ultrasound technician, but did not do x-rays. I again called Humana and was told that the other option is not more than one hour from where I was currently and I told them this was not acceptable and that I did not want to drive another hour in the opposite direction.

What Happened: Humana representative advised me that I did not need to keep my traditional Medicare; now all I have is Humana Gold PPO, which I was scheduled for surgery in October 2012. Now, I am not able to have surgery because the Hospital that I was scheduled for does not take Humana, when the Humana representative told me otherwise. Now I am not able to find any in network doctors who will accept Humana, and I no longer have my traditional Medicare. (I later found out). I truly believe the doctors and providers have realized that Humana does not properly train their reps, thus leading the doctors and providers to deny any dealings with Humana.

On Aug 23, I was throwing up for 6 days. Before going to the hospital, I called to make sure they took my Humana. They said yes. I finally went to the hospital thinking a shot to stop the nausea and fluids. But no, they took blood and CT scans and I was told I had cancer and had to be operated on. I was in the hospital for 8 days and when I was released, I got a phone call saying Humana went out of the network after I called 3 times before going. I then had to go back into the hospital for another surgery for cancer and the chemo bills were astronomical. I had a nest egg and now it's depleted. I put in a complaint and I have all the conversations and ref. numbers for them to listen to. But of course, they said everything they did was right. The patient worrying about dying in 2 years now has no money in her account, thanks to Humana. I would not send anyone to Humana. I think there are too many people that don't know what they are talking about. The patients suffer. Now I am broke and I got sent to a collection agency for having cancer. Doesn't that stink? I don't know how they sleep knowing how Humana ruins people's lives. I'm a very angry person that wised up and switched but of course, it was too late. I am stuck with all those bills.

I have been searching for the last month for a physician for my husband. Almost all of the doctors listed in the handbook and online do not accept Humana Gold Plus. This is truly disgusting. My husband has had the same physician for the past 22 years. Are these listings a "come on" to get business? I have worked with insurance and thought this was a good company to choose, but I am not so sure at this point. Since this is now election time to choose another carrier, I am really considering changing. It is unfortunate that seniors have to deal with this mess. Insurance companies need to be held more accountable or the consumer should have more of an alternative.

My mom came to California to live with me. She has Humana Gold Choice PPO. She needed to see an Ortho doctor regarding pain in her knees. I called Humana for a doctor in her network and they gave us one. Prior to her visit, the doctor's office also called for pre-cert and they gave them in-network benefits. On my Mom's first visit, they collected $40.00 and said the balance would be 100%. Claims were submitted and paid as out-of-network. I called Humana and told them the date and time I initially called. The rep pulled up my conversation and agreed that Humana told us our doctor was in-network. The rep said that they would send us a transcribed copy of our conversation and then I could appeal. He said it should take 2-3 weeks.

My mom is 81 years old and they had her sign up to get her prescriptions from a mail order pharmacy instead of Walgreens. She has severe arthritis in her neck and celiac disease. She cannot take any pain meds by mouth so her doctor wanted her to use a pain patch and of course, they would not give her this prescription. She also takes Premerin, which they would not give her the pill form but would give her the cream. Do you really think she would use the cream? This insurance company is terrible! They are hard to deal with, can never talk to anyone and they certainly don't help the elderly out with medications that they need.

We applied for Humana Insurance via a brokering agency. They just asked us a few questions, like if I smoked, my age, etc. Almost a year later, my husband was cancelled because according to Humana, we lied in our application. When we reviewed the application, we found the broker had filled it out with inaccurate info. My husband was terminated effective the date the policy was opened. They will not cover a surgical procedure he had and he would lose his creditable coverage, leaving us with US$45,000 in debt. They terminated him as soon as this claim came in, after they had approved the procedure.

My 91-year-old mother has had Humana Gold Plus HMO for years. She has had so many home problems and finally moved in with my daughter in Braidwood, Illinois. My daughter automatically transferred my mother's Humana. To all of our surprise, there is not a single doctor who will take her insurance. My mother has called your office, was given a list of doctors at least 5 different times and they all say they do not take HMOs. Dr. Raymand **'s office (I talked to Tammy) in Wilmington, Illinois said they would take her insurance for office checkup but if she needs blood work or tests, she will have to pay in full!

I had the direct pay out of my credit card. There are no tricks and no reason for not receiving payment. I never cancelled it. When I started using the insurance, they got scared thinking that my son had a serious heart condition because the doctor sent him for some test. As soon as they got the bill two months later, they sent a letter for cancelation of my insurance for no payment. How could this happen with direct payment? Impossible! What really happened here was they thought my son had a preexisting condition; and of course, they don’t want to lose any money, so they cancelled. So, be aware of this insurance company’s big scam and fraud.

Humana has denied coverage of a sling following a rotator cuff surgery. This is a routine device that every patient needs following surgery. Humana also is denying payment for physical therapy. Recovery from rotator cuff surgery is a very long process, and success is often due to adequate physical therapy. I paid for the first 20 visits through my HSA account, and Humana is denying payment for additional visits despite a call from my surgeon getting approval for additional visits.

My elderly mother has had Humana Insurance for a while. She was due to have her eyelids lifted and at the last minute, they refused to pay. Why? Because she went to her doctor she has used for years and not one of their quacks. I think we will talk to an attorney, because the last I knew, it was the patient's final choice of doctors. I didn't know they could force people to do this.

I have been trying to cancel my dental insurance with Humana One for months now due to the fact that my premiums doubled without warning. It is impossible to cancel. I have called, sent messages from their website, and sent messages from my personal email account without any resolution whatsoever. Each time I follow the steps they give me, which includes sending an email with my name, account info, and request to cancel. Each time I send the message and confirm while on the phone that a service representative received it. However, my account still gets the payment drafted from it. When I called to ask why this happened, they show no records of my account ever being canceled. It has been an endless cycle. I am ashamed that I stuck by this company for the last 5 years and will seek legal action if this nonsense continues.

Should your health care Part D Plan make you want to cry? Every time I log onto their site, it gives me errors. My latest frustration is they canceled my account with RightSource in error and erased all my refills. They called me and sheepishly admitted a rep had my account on the screen when another client’s daughter called in to cancel her father's account. So what happens? You got it, they canceled my account and wiped out all my online history.

I fell and dislocated my right thumb, with a small chip fracture. This causes me great pain. I have now been given the runaround, referred to VRS offices and told that nothing is wrong with my thumb. I saw the X-Rays. The injury is clearly visible. The "M.D." who read them will not talk with patients. I will have to wait another week while they "refer" me to another specialist, and not even a bone doctor. It's another radiologist. So, that's 2 more weeks with no treatment. Solutions offered include switching primary care providers (start all over from the beginning with no guarantee that new provider will be any better) or go the emergency room (who will take an X-Ray again and refer me to a bone doctor). I am dizzy from the circles and tired of waiting in their very unfriendly offices. Their staff is not helpful, to put it mildly. They absolutely don't care. Their attitude is that I have to force them to do anything, and then wait until they are good and ready to do it. By the time I get treated for this injury, it will have healed wrong and I will never be able to properly use my hand.

Humana lost my online medical and pharmacy records between June and December 2012. They told me that I had requested termination of my Medicare C account and my husband's Medicare C account, to be effective June 1, 2012. I asked them to send me copies of requests for termination. They have been unable/unwilling to do so. We were paying for services not rendered. I had doctors' visits not covered by the Humana Medicare C account.

Our family has been with Humana One over 8 years. Our payments are direct withdrawn and we never had any problems with payment. Even when some of the rates increased, it was paid. During the 8-year period, there has not been any claims. Not too long ago, I severely injured my wrist and jaw which required going to the ER. Both injuries required surgery and metal plates. Assuming that Humana would provide me with insurance, I was angry to find that the hospital called me to let me know that Humana refused to pay for the bills. I am 21 years old and just getting started with my life. We have a small family business and we are trying very hard to survive in business. The hospital bills are quite large and I am not able to pay what they are demanding. Humana has not made any effort to at least assist with some of the large fees. I have tried several times calling Humana but have not had any returned calls. Now, I am stuck paying for fees along with also paying Humana. Humana has no problem taking but makes no effort in paying.

Telephone response - After taking 5 minutes to go through the voice response system, I was repeatedly given an office hour and told that they were too busy to have a representative talk to me and the call was disconnected. This has happened 5 times today. If I had known how poor their customer service was, I would have found another provider.

The billing department erroneously drafted $1000 out of my account! I signed up with Humana through eHealthInsurance. Humana did not draft my premiums, so I sent a check for 3 months at one time. They cashed my check, but did not post it to my account, so they said I was past due and drafted 4 months premiums from my bank account. It took over a week to get the charges reversed and only with the help of my bank did I get the charges finally reversed. In the meantime, my account was overdrawn due to Humana's error and they would not compensate me in any way. I have filed complaints asking for the 3 months premiums I paid to be refunded to me, which they denied. I spent several hours on the phone, having to explain my situation and their mistake to a different person every time, only to be told "We can't help you."

When bills were submitted by my providers, some were paid. This is a time period of April through current of 2012. And then, all of a sudden, I became responsible for not only the 20% that I pay but the total claim. I called and was informed that I had another company as primary. I said, "No, as of March 31, 2012, I only had Humana." I contacted the other company and they personally notified Humana of this. In the interim, all items submitted had been returned. At this point, it seemed all on same page. Twice, I went through this. And, lo and behold, I got another statement from them now showing I have another company as primary and am responsible, for the second or third time. Of course, they have again returned all of the providers' submissions.

Humana is the most inefficient insurance company I have ever dealt with. My emergency room outpatient in 2011 was $50, which I paid now. The hospital has been billing me for $4,000. I had an eye stroke and they had to do a CT scan, Humana won't pay. I have called 14 times, even the hospital said they have to fax a request for a medical report. Humana said they don't fax and can't call out. I can't wait to leave them. Incompetent customer service like robots. I have spent around 9 hours in total with the hospital and Humana. The hospital is trying to get their money, Humana says I am not responsible, but won't help me or the hospital. I am lucky that I did not have another stroke from the aggravation.

Co-pays and customer service - Since I have been with Humana, there has never been any real customer service. It is always the customer's problem. They either never do what they say they will do or it is just the way they do business (only bottom line cash forgets the customer). I will cancel my policy for Humana Medicare Advantage as soon as I can.

I have been in medical billing for 23 years. Never have I dealt with an insurance company as unprofessional as Humana. The pre-cert department in office chemotherapy approvals is the only bright department in the entire operation. They are smart and efficient. Unfortunately, the claims go to the claims department and customer service always claims to have no knowledge of why claims are denied. Even sending claims with pre-cert numbers does not help getting them paid. Also, they are entitled to audit us. We have no problem furnishing information.