Humana One Complaint - Dangerously Crooked Company -- Avoid At All Costs
DAYTONA BEACH, FLORIDA -- I have had the most alarming experience with Humana One. For years I have been paying premiums and not really using the insurance except for once a year doc visits and prescriptions. Then I had some dental trouble and consulted with a representative about whether I would be able to get a procedure. She told me how much money there was available and it was enough. I got the procedure -- probably totaling about $1,300 to Humana (I paid that much in co-pays since dentistry is about 50%). That unleashed a chain of events that is only getting worse. First Humana refused to pay the claims saying I'd been "terminated." So my dentist is all upset. But I'd consistently paid my bills to Humana, and Humana was paying for monthly prescriptions well after I'd supposedly been terminated. They must have conveniently, retroactively terminated me somehow -- but then apparently reinstated me right after the procedure, since I'm now current with them. THEN -- here's where it gets really bad -- Humana reached into my bank account and attempted to take out $1,900, an amount they have yet to explain. This caused an overdraft -- at first I thought it was some sort of online fraud. I was very alarmed and assured by the representative it was a grievous error. Then I was told by another representative that I owed Humana this money. Which of course makes no sense.
They still haven't told me why they felt compelled to do this. I distrust this company so much that I am considering changing my bank info lest they try it again. They were not authorized to go into my account, period. It was all very terrifying. I am quitting them as soon as I resolve the dental mess. What if I became ill with cancer? I think I know what would happen. Getting any treatment out of this company would require a legal battle for which few have the resources (because if they did, they'd have real insurance). I chose Humana because it was cheaper than COBRA. Should have paid the extra money instead.