Humana One Complaint - Next Time Make Sure You Go To The Right Hospital
Last month I had an allergic reaction and fortunately the friend that I was with me was able to call 911 and get me to the hospital. To expound on the seriousness, I my blood pressure was 40/20 when I arrived and they didn't think that I would make it. The bills started coming in and I knew I had a large deductible but one of the things they didn't tell me and I have look through my paperwork and still can't find it, I have 2 deductibles, in network for 5k and out of network for 10k. Well to get to the point. No ONE except for my regular doctor is in Humana's plan. The lady I talked to today said I should have gone to a different hospital. We only have one hospital in my town. I guess my friend should have looked at my Humana card to see where I could go. Also, Humana determines how much they are going to put towards my deductible. My ambulance was over 800.00 which Humana doesn't cover so I paid it, they only credited me with 319.00 because that is the max they will approve. The ambulance isn't in the network so that deductible goes outside the network, so actually my deductible just went to 15k or more. The Emergency Room is in the network but the doctors that were working are not so they aren't covered. I am paying EVERYTHING out of pocket. I might as well not have any insurance.
Humana spends a lot of money making great commercials but they sure don't take care of their subscribers.