FLORIDA -- On 12/1/14 I had cataract surgery in Kissimmee, FL - all went well. However, I had Humana health ins a ppo that was my 1st real mistake. This company fights you on everything and they end up getting huge discounts and you end up paying any remaining bal. Come October 1st I will switch to another ins company as Humana is by far the worst I have ever had.
The overall cost of my surgery was appx 6200. They paid about 60% but they should have paid much more. I started out with a $30 ded and it is now up to $50. You can not thru to a customer representative and when you finally do they don't know what they are talking about. Avoid this company at all costs, they are really bad.
AUSTIN, TEXAS -- My Humana policy became effective February 1, 2015. I've been using Beconase since 1989 for my allergies. Each year, I get samples and try the new nasal sprays on the market, but I always go back to the tried true nasal spray that works the best for me. I live in Austin, Texas, the Allergy Capital of the World, and I have pollen allergies. We are currently in the worst season with cedar still going strong and elm and oak starting up. This is the most difficult time of year for me as far as my allergies.
1) Humana Step 1 STALL TACTIC - Decline the request immediately and ask for additional info. Then, when the doctor responds to the request (my allergist submitted the information they requested, explaining why I need this drug I've been using for 27 years).
2) Humana Step 2 STALL TACTIC is Rejecting the information and closing the claim.
I am not clear how many times Humana will decline and reject before they will finally do the right thing - not even sure they will ever do the right thing. But it means that me and my doctor are in for some truly frustrating periods while we continue to try to get this eHealth company provider to do what they're supposed to do for their insureds - to fill the prescriptions the doctor prescribes and says are needed.
Today's Humana can't hold a candle to the old Humana... That company provided healthcare coverage. Today's Humana works very hard NOT to provide the coverage they're contracted to give. Please don't make the mistake I made. Humana is not the company you want or need. Choose Blue Cross or UnitedHealthcare instead!!!
I called in on 1/23/15. Around 12:10pm I spoke with a male in the sales representative in enrollment. I advised him that I had enrolled through the marketplace back in December and they never submitted my application to Ambetter health insurance. I advised I had made my payment though the marketplace and Ambetter took my payment WITHOUT receiving my application. I then stated I went back to the marketplace and switched to HUMANA thinking I was going to get better customer service.
The sales representative told me that the reason I was not active was because I hadn't paid my premium and that I had to pay even though HUMANA did not receive my application. I advised that I'm not to pay the premium until the marketplace sends my application.
At this point I had asked the sales representative for a supervisor. The sales representative told me that I was going to get told the same thing by the supervisor and started to raise his voice. I asked for a supervisor several different times with my voice raised. I told the sales representative that he didn't need to be raising his voice at me. The sales representative replied "well since you're raising your voice then so am I."
I asked for his name 7 TIMES and he never answered me then he put me on hold then disconnected the call. I was just trying to enroll through HUMANA and tell them my situation with the marketplace. I had the worst customer service experience of my life. Very disappointing.
KENTUCKY -- I enrolled in a Humana One after turning 26 and no longer being eligible for my dad's insurance through Humana with a big corporation. I assumed the service would be the same even though the plan may not be as comprehensive. This was a horrible assumption. I have had an issue with them 10 out of the 11 months I have been with them. They have randomly canceled my plan and I didn't realize until I received a termination letter. Charged me the $25 late fee after they canceled my plan.
I used their online payment portal and the balance was never correct and it never would process my payment. Enrolling was a nightmare because they demanded my previous doctor fax over all of her notes about my last visit (I don't even think that's legal). I've spent hours on hold with them. Worst of all, I've never used them for a doctor's visit or prescription. I have sufficient money to pay them every month. There is no way to make a formal complaint, and if I did, it doesn't matter to them. We need insurance reform, not healthcare reform. This is outrageous.
AUSTIN, TEXAS -- Spouse moved this year to Humana HMO over the newly renamed "AARP" plan provided by PHC/UHC. Got to be better, right? Wrong! Precious few providers will accept this HMO, mostly with long unpronounceable foreign names, and terms dictate that you cannot go outside of network. So Humana issued HC card and 8 months in, we try to look up the assigned doctor. No answer! What is wrong?
We got to the bottom of it: Humana assigned a RESIDENT who sees only patients already in the hospital. No new patients, no well-care visits. Yet this is our defined PCP! Yes of course dear victim you can change your PCP but it will not take effect until next month! Needless to say we hit the roof after paying monthly premiums and finding the PCP assignment to be a fraud.
STANFORD, KENTUCKY -- This is the worst insurance anyone could ever get. I work for the state and it just gets worse every year. You get a little 500$ debit card to spend and of course one time getting blood work has put you at about 900$. It's just cheaper to say I don't have insurance and they feel sorry for you and you pay about 60$.
Ain't no wonder the dead beats don't work. If you are on the draw you can sleep in until noon and you have full coverage insurance and free cell phone that we, the working poor class pay for. Crap like this makes you think what are you working for??? Should just sit my butt on the couch and draw off the government? I would have paid housing and full coverage health insurance.
ASHLAND, KENTUCKY -- I need treatment for a illness I have. I was told I would not even have co-pays for my prescriptions. I was prescribed 2 medications together, and I have to take both of or else the treatment will not work. My 2 prescriptions are Sovaldi and the second Ribavirin. The most expensive one was Sovaldi that was approved and delivered to my house. But the second medication called Ribavirin that happens to be the least expensive one was not approved by Humana.
Ok first of all I am told I am guaranteed prescriptions with no co-pay. And I am told I need both medications for my treatment and they have twice refused it. So in my opinion I would stay away from Humana. Not only do they lie, but they absolutely could care less about a customer getting treatment for a serious illness. And then when I try to call them I get put on hold for several hours instead of them dealing with me.
FALLS CHURCH, VIRGINIA -- The Humana One plan is junk. Do not give them your bank account information. They will keep pulling random charges out of your account. I would give this plan negative stars if possible. I enrolled in this plan through eHealthInsurance and was not informed of some of the basics. First, I went to get my teeth cleaned at my regular dentist only to be informed after that Humana One would not cover the basic cost of cleaning my teeth because I was outside of the network area that they covered.
When talking to the insurance representative I had been assured that they would pay this cost or else I would not have selected them. After being charged an additional $54 enrollment fee on top of the $20 I had to pay monthly, I found that I could not cancel the contract because I had signed a one year agreement. Upon attempting to terminate after one year because they had automatically re-enrolled me for another year without my permission, I was charged a $21 cancellation fee, of which I was not informed. All in all one giant rip off.
LOUISVILLE, KENTUCKY -- Co. did not notify me of 40% increase in rates during 2013 open enrollment period. Just received my credit card statement, that's how I learned of increase. Can't cancel policy because I did not do it during open enrollment? It would be a fraud if your landlord, c. card co, auto insurer or bank did not give you advance knowledge of future rate increase but not so with Humana. Even if you have to pay more - avoid, avoid, avoid this co. In comparison my AARP supplemental policy informed me weeks before open enrollment of a price increase. At least that's being upfront.
LAS VEGAS, NEVADA -- 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 11/6/2013. 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 will include the CCC. I asked her for how long. She replied “13 days”. Coverage will end January 13, 2014 -- WOW!!!
It appears Humana is less than truthful. A consumer signing up for the Humana HMO plan expecting that the CCC will be included in his or her plan may be disappointed. I understand providers come and go, but in this situation, Humana is aware today (11-6-2013) that the CCC will be excluded in their HMO plan after January 13th, 2014, even though the CCC is listed in Humana's HMO providers list for 2014 without exceptions.