Humana One Complaint - They Are Not A Good Company!
FLORIDA -- My Husband and I are middle class citizens trying to make ends meet for ourselves and our 13 year old son on 49,000.00 per year more or less and our employers do not provide health insurance. We do own our home and we are now in our mid forties, so we thought we should obtain health insurance, to protect our son and our home, and our selves, should we get cancer or some other horrible disease. Humana seemed like the best bet three years ago when we signed up for basically major medical with a 2500.00 deductible and a premium of 360.00 per month for just me and my husband (our son has an affordable state insurance that is offered for children in our state THANK GOD). After one year of paying on time and filing no claims, we got a rate increase of 80.00 per month! We were barely able to pay the 360.00!
So Humana offered us a higher deductible of 5,000.00 in order to keep the same premium. Then after another 12 month period of filing no claims and always paying on time, they raised our premium again, this time by 105.00 ! They also said that we were already at the highest avail. deductible, so pay up or get out! Literally crying as I hung up the phone, I decided we would try to pay the 465.00 per month.. after all we'd already paid them thousands of dollars and never gotten sick. If we cancelled now and got in a terrible accident or got cancer, we'd have to sell our home to pay the medical bills. After the gas went up this year and the groceries went up , we were unable to pay the full amount last month. I made a phone payment of 420.00, hoping they would send a late note for the extra 45.00. No luck. They sent a cancellation letter. Now they are CONSIDERING re-instating us, but they are now putting a rider on allergies for me, since my doctor said on my recent appointment that I have allergies and need Flonase. What a scam!
They raise the rates so high that you cannot pay on time and then when you pay late, they look over the records and hold them over your head, saying well ... we might re-instate you after you pay up the money you owe.. but no more coverage for anything your doctor ever mentioned that you have or may have during the coverage period! Lucky Humana! I bet they love it when people pay late and have to get reinstated! this gives them an excellent opportunity to disallow anything that has come up the whole time. Beware cancer patients! Don't ever ever pay late! Humana would rather see you die than pay out another dime for you. They are evil!
In the end they will pay for what they have done to their fellow humans. And what a name HUMANA. yeah right.