I was enrolled in a Humana Supplement beginning 01/01/14. On 10/15/14 I received a notice from Humana, raising my rates for 2015. At that point, Humana had paid $20 in costs for me during 2014. I located other insurance, equally good, for much less money. It was secured on 10/27/14. I contacted Humana to dis-enroll as of 12/31/14.
For the next 3 1/2 months I have been arguing with Humana. On January 3, they drafted the money for January from my account. I complained. Three weeks of daily calls and arguing passed before a check was finally issued on 01/28/14 to reimburse me for the money they had drafted. However, by the time the check reached me, I also received a call from Humana accusing me of inappropriately getting a check from Humana for money I actually owed them. The call was accusatory and threatening.
On 02/06/15 I received a letter from Humana stating that my application for supplemental insurance was being denied. It went on to say that, in my application (that I had never submitted) I had agreed for them to use my PHI to complete and underwriter review. That was a lie and a HIPAA violation. Finally I sent out letters to the Ethics board, the insurance commission, and the Board of Directors at Humana as I have all of the communications as evidence of this fiasco.
Sure enough, I received a letter dated 02/10/15 saying that they were disenrolling me, effective 12/31/14, followed by a second letter, dated 02/11/15, saying that my application for supplemental insurance had been denied, based on the fact that I had provided them with permission to access and use my PHI to facilitate underwriting review and based on the information they received, I was being denied coverage.
At this point, it is clear to me that the denial letters are punitive, a way to punish people who disenroll from their coverage. They are clearly violated HIPAA regulations and should be prosecuted for those violations. Further, the company functions in an atmosphere of the most uncaring, ignorant, disrespectful, dishonest employees imaginable. I will not be satisfied until Humana is publicly prosecuted for HIPAA violations and publicly humiliated for the way they do business.
TEMPLE, TEXAS -- They are a nightmare... First I called after my surgery to see if I could get some hand therapy... Duh they did not have a list of therapists online in my area. I asked to go to such and such place to see if they would cover and they had no idea. They told me to ask the hand therapy clinic if they take my insurance. The place said they did. Then I went to the hand therapist and about 10 visits in I call my insurance company to see how the bills were being paid. Guess what? Now they said I have to go back to my regular doctor to get an ok to see my hand therapist. I went back to my Dr who approved my hand therapy and started therapy and Humana paid all the visits.
Then I found out I had to go back to my regular doctor and get an ok again because it had been a couple of months. My doctor approved 60 visits which should be covered. I called Humana again to make sure everything was ok and they told me my visit would not be covered, but then assured me they would get on phone and try and get it covered. I went back to my surgeon who wanted me to continue therapy and again called Humana and they referred me to another company who makes the decisions.
This company I never had a contract with by the way and they told me I would have to get the Dr notes faxed over to them to have my visit today covered. I called the OT clinic and they had no clue so I recalled Humana who called my OT clinic or so they said and they told me that the OT clinic agreed to call me when they faxed over the notes.
Three days later no phone call so I called Humana who told me to call this other company because they did not give ok just this company. The company told me that I would not need to fax over the notes even though someone else in the company told me to fax it over... So today I have an appointment and I have no clue if it is covered... Get rid of Humana. It sucks... Oh by the way the last person I talked to stated they probably said all this to get me off the phone Thanks a lot...
ARIZONA -- Thoroughly disgusted... I am on the phone once again with Humana. They are all idiots with no brain. They tell you a different thing every time you call. I have posted on social media repeatedly. Do not sign up for Humana or you will be on the phone for the rest of life. I have now had to get paperwork for small claims court because of them jerking me around since 10/15/15 and still waiting for reimbursement of over $2,000. That I had to pay first and wait for. I am currently on the phone with another idiot name Michael in Central Texas. Waiting for a supervisor, 20 minutes and counting. Spoke to Georgan, another waste of time, she gave me the below 800#.
Let's see the primary's office gets anywhere. I am not hopeful. I think taking them to court will be the only way I will get my money. They are so incompetent and I have had to call my dr's repeatedly. They just give you the runaround. Now my primary dr's office is calling 800-523-0023. Humana just jerks their member around, over and over... thoroughly disgusted... Just talked to Kyle's supervisor. In authorizations, another moron. They offered to transfer me the claims in Manila, Philippines. I would rather file in court tomorrow. It will be faster. I have been waiting 3 months to be reimbursed. No more...
MEDFORD, OREGON -- I spent several days going over my prescription list with a representative to ensure Humana had all the information they needed to price my first Medicare approved Prescription Drugs or Part D insurance plan. I accepted the plan and terms and it went into effect January 1, 2012.
The first time I went to the pharmacy to pick up my medicine for Parkinson's disease, the prescription was filled for 24 days when it should have been for 30 days. The pharmacist told me it was Humana's decision to restrict their coverage to 8 pills per day and not the 10 pills per day as prescribed by my doctor. I went around and around with Humana and finally a representative told me she put an override order on the restriction and assured me the problem was fixed.
Next month the same thing happened. I asked about the override placed the previous month and was told it was a one time only override. The representative I was talking to told me to take the prescribed amount and come back for a ten day supply to carry me into the third month and everything would be resolved by then. It was not. In fact Humana informed me they were no longer covering the medicine in my plan - we are talking about the number one medicine prescribed to Parkinson's disease patients. I gave a copy of the letter to my neurologist and he managed to convince Humana to reverse their decision.
I also have diabetes and early in the year, my doctor gave me a prescription for insulin prefilled cartridges or "Pen injection system". I could not afford even my copay so I asked for an alternative lower cost system and was prescribed for the same medicine in viles that would load into syringe needle for my injections. My copay for this system was a third of the cost of the pen system.
Last month a new prescription was written by a different doctor who mistakenly wrote it for the pen injection. The amount Humana quoted the pharmacy was much lower than the previous quote. My wife was picking up the prescription. She was unaware of the mistake. I was out of insulin and used the pen system since my wife paid for it.
Now we are in the eleventh month of the plan and I have just entered the gap coverage or "doughnut hole" and now I pay full price for all of my medicine. The prescription cost in the pen system for one month is more than $275.00. I called my doctor and asked to have my prescription modified to the vile and syringe method. The pharmacist told me the injection method was changed but the price remained the same.
I called Humana and this time had two reps and a supervisor involved. They reminded me I was in the donut hole and expected to pay the full amount which by the way was over five hundred for a month. I asked why was the price quoted 275.00? From that point on all they were focusing on was why their own company quoted a discounted price and told me the only price they had on my insulin was the vile and syringe system. Well this is open enrollment time and as of January 1, 2013, I will have a new plan in place. I only hope I can make it that far without my medicine. No change, not resolved. :(
DALLAS, TEXAS -- While the Humana website may look good from the outside, this is not the case for the registered customer. It is one of the most confusing and ill-designed sites I've seen. Now to the crux of the problem, I love Humana Advantage - It's cheap! However, I've called over 15 of the doctors recommended by the website as primary care doctors. The website provides a list of doctors accepting Humana Advantage as well as new patients.
Guess what, not a single doctor said that they accepted Humana or new patients. I'd guess that maybe their list is close to 90% bogus as far as doctors and facilities with whom they do business. Perhaps they just made up the list - would've gotten the same results I suspect.
FLORIDA -- This happens every month - they call to renew a prescription and leave call back number and also a PIN number, yes a PIN number, and I get someone sitting at home with kids in background and we are trying to discuss drugs. Why leave a PIN number if it is no reference at all. I am so disgusted - they sort to me every month to with to them, and now that I have, customer service is the worst.
Just today my husband said they have called three times and here is the phone number and PIN number. I call back and they require Humana number, address, SS number, phone number - DOB, etc. etc. I am so disgusted with them but don't know how to get out of the cycle. How dare they call me and leave a PIN number and when I call I have to listen to screaming kids in background - and the PIN number means absolutely nothing. YUCK and horrible you should be ashamed.
RESTON, VIRGINIA -- I have been on the phone with Humana for over 12 hours during the last month. During that time they have failed to understand what I need a medication for even though I have and my doctor has repeatedly told them in writing and on the phone. In over 12 hours of discussion, they still fail to understand what I am being treated for by my physician. I've never dealt with this type of incompetence! In addition, they increased charges and deducted over $200 from my credit card without notifying me. I asked to be released from the plan in January 2016 because they did not notify me of over $2000 that will be added to my plan this year. Yes, that is what I was told.
The biggest issue is their Medicare pharmacy plan. They said they did not have to notify me last year of these changes last October, November or December. I promise you, you will regret any contact with this organization! Thank you for reading the review. Good Luck!
This has to be the worst excuse for an insurance company I have ever seen. No one knows what is going on. No one can ever explain to me what is going on. They do not answer questions. The website is horrible. The list goes on and on.
Lately I have been getting the same email sometimes 2 or 3 times a day exhorting me to get a flu shot which I do not need or want. I have complained several times on their website and no one even bothers to reply. I am sick of being ignored.
Every time I place a pharmacy order there is some kind of problem and my order is delayed or canceled outright. No one ever knows what is going on, and they obviously do not make notes in my record when I call, because their customer "service" people are clueless. I have applied to UnitedHealthcare for 2016 and can't wait until I can tell Humana goodbye!!!
WEATHERLY, PENNSYLVANIA -- They didn't pay all the bills they are responsible for. I don't even use the plan much because I hate going to the Doc. I started getting bills that they recalled the money from the Doc. I tried to contact them and they said, "You have two insurance companies." I said that they are incorrect. I spent numerous hours trying to prove they were wrong. I finally did prove it. It turns out that they thought that my dad and I are the same person. Never mind that he is 26 years older than I am, that he has a different SSN and the he lives 800 miles away and these plans are regional.
But, even though I proved my case, they still haven't paid all of the bills they are responsible for. The collections calls are nonstop and they are hurting my credit report. This is an extremely unethical company that everyone... especially the elderly and disabled, should stay away from. Unless you like stress and harassment.
VIRGINIA -- I applied to join their network as a provider on December 23, 2014. The customary time is 60 days if you have everything. Humana reports it takes 120 days. It is Sept. 9, 2015 and I am still not approved. They haven't sent me anything either. I called over ten times and sent 5 emails. Two escalations and two supervisors and still nothing. They have cost me business by not putting me on their panel. I am very angry that it has taken almost 9 months. I can see why they were bought out. They can't provide customer service. I can only imagine what the clients go through.