Humana Consumer Reviews - Page 5

To start off, phone communications are garbled most of the times and I've mentioned this to them for the longest now with little done to resolve this issue. Then, they get someone from a foreign country that speaks in a heavy middle-eastern accent to further make things confusing. I've recorded our conversations as evidence as they do the same.

Drugs that are on formulary for the year are suddenly stopped because of limitations... 6 tablets of Famciclovir is not over the limits according to their own people that do research for me but the clinical team determine that my prescriptions shouldn't be covered and I suffer needlessly at their hands. They give reasons that don't make any logical sense not to cover my drugs, prescribed by my Dr., who is also a Pharmacist.

Humana hires people that can't even speak English properly. Humana pharmacy and Humana customer service is a joke. The only professionals are the insurance agents that are licensed to sell insurance and are probably the highest paid, no doubt. Along with Medicare parts A and B, I'm paying a lot for my insurance needs and have a Preferred Provider Organization (PPO) policy through Humana but not many providers want to take my insurance and I can now understand why. It's getting worse too!

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.

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.

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. :(

LEXINGTON, KENTUCKY -- In late April of 2007, I applied on behalf of myself and my then 8-year old son for health coverage with Humana. I received my first letter acknowledging my application on May 2, 2007. The underwriting information originated from Waukesha, Wisconsin. I signed the agreement effective May 1, 2007, and at that time I was 49 years old.

In that same packet of information that I signed and faxed back on May 2, I read in the "Additional Information" pages the underwriter's comments regarding the health status of me and my son, **. The comments regarding my health status were based on a thorough checkup and revealed no abnormalities.

Moreover, the only medications I had taken in the past 24 months were penicillin as needed for dental work. The comments regarding my son were based on a normal school checkup in 2006, and the only medications he needed were miralax (over-the-counter) and antibiotics for an ear infection. No additional medications were needed within the last 24 months prior to our signing with HumanaOne. The whole point of this rendition is to establish that we were, have been, and still are, healthy individuals with no history of excessive filing for insurance benefits.

My "conditional receipt" was for the initial monthly premium of $247.98, applied upon approval of the policy. Again, I am still referring to the May 1, 2007 effective date and the May 2 packet of information faxed to me and then faxed and mailed back to them. I received a letter from HumanaOne dated May 17, 2007 regarding an "application update". In it I was told that my application was approved with modifications, and that I had two days upon receipt to acknowledge the modifications by my signature.

The modifications in the form of an amendment stated that my monthly premium would be increased to $343.90, and the reason given for the "rate up" was "due to body build". I was already committed to this plan, so I signed the amendment effective June 1, 2007. This represented a $95.92 increase from my conditional monthly premium four weeks earlier. Curiously, I had the same "body build" those same four weeks earlier.

In 2008 I noticed that my monthly premium had increased from $343.90 to $390.68, with no prior notice and no reason given. I called and spoke with an individual in the system who could only tell me that the reason was due to me turning 50 years of age (like I really had to be reminded). I accepted that and informed my husband that the automatic debit would show an increase every month by $46.10.

In 2009 I again noticed that my monthly premium had increased from $390.68 to $443.94, indicating a monthly increase of $53.26. When I called to ask why I was told simply that I was a year older, and that each year the premium would increase due to that.

During the past 24 months I have not submitted a single claim for myself. Please see the documents submitted by hard copy to show this. During the past 24 months, I have submitted four medical claims for my son, (doctor's visits) which totaled $278.30. Of that total, HumanaOne paid $20.09, consistent with our deductibles. Also during the same 24-month period, I submitted claims from prescriptions for my son totaling $91.02. The plan paid $00.00, but consistent with the agreed upon deductibles.

My point is this: my medical and prescription needs have been zero for the past 24 months, yet it is my increasing age that supposedly triggers each yearly premium increase. My son's claims have been for normal causes for a boy his age, and not significant by any stretch.

My complaint is the rising monthly premiums assessed each calendar year with the reason being my age. My age has not contributed to one cent in claims and thus not one cent in cost to HumanaOne. I will inquire with appropriate authorities to see if this falls under insurance abuse or age discrimination without cause. I am a housewife and my husband is the sole source of our income. These ever increasing monthly premiums, assessed each year, impact my family and seemingly for no acceptable reason.

OCALA, FLORIDA -- Insurance companies are a rip-off. Last November I started researching prescription drug plans. After speaking with several companies, I chose Humana because it is a well-known company, the premium was reasonable and I was assured that my husband's medication for diabetes would be covered.

I spoke with **, **, ** and **, just to name a few, regarding the fact that my husband's prescription was Janumet. I was assured that while the Janumet is not a generic drug, there would be no problem getting it approved by the company's Clinical Pharmacy Review Board. What a laugh!

I enrolled my husband the middle of December and received confirmation via a letter dated December 27, 2007. Later, we received a letter dated January 7, 2008 indicating that because we had not had a drug plan before, there would be a slight penalty each month (only for that year). That was something we could live with.

A letter dated January 10, 2008 was received providing details of his coverage. Now comes the fun part. We started the process of getting Janumet approved. My husband's doctor faxed the prescription to Humana. On January 9, 2008, I spoke with ** to set up the information to have the prescription shipped every three months direct from their pharmacy and spoke with ** at Humana regarding the forms to get Janumet approved. Humana faxed back a form to be completed, which the doctor's assistant did on January 9, 2008.

On January 12, I spoke with ** at Humana to see if the form had been received (no, so the doctor's office again faxed the form). On January 14, I spoke with ** at Humana to determine whether everything required had been provided. I was informed that the form had not been received. The doctor's office again faxed the form. On January 22, ** at Humana said the form still had not been received. However, we did receive a one-month supply of the Janumet with the notation that no more would be shipped until the proper form had been received.

The following people and the dates I spoke with them give you an indication of the efforts I have made regarding getting the Janumet approved: ** (January 24) (the doctor's office again faxed the form after being told it had not been received); ** and ** (January 25); ** (January 28); **, **, ** and ** (January 30); ** (February 4) who indicated the form had been received and was in the process of being reviewed; **, ** and ** (February 6) (when I learned that no the form had still not been received despite being faxed by the doctor's office five times).

I spoke with the doctor's office on January 30 and was told they would again fax the form and then call to make sure it had been received so there could be no further delays. On February 12, 2008, I called Humana and spoke with ** who transferred me to **. ** confirmed that the form had finally been received but the authorization had not come through. I stressed the importance of getting this done since the medication was running out. I indicated that my husband had taken several drugs prior to Janumet and the Janumet was the one that worked. I told them that he really needs the drug. He already suffers from nerve damage in his feet due to uncontrolled diabetes.

** put me on hold for quite some time and then came back to tell me that the Janumet had been denied. She said Humana was not convinced that enough other drugs had been tried. I explained that I had been told that there would be no problem getting the Janumet approved and that that was the only reason I had signed up with Humana. She said this was not the first time she had heard that. While ** was very sympathetic, there was nothing she could do.

Needless to say, I am going to cancel Humana. Since the enrollment period has expired, there is little hope of getting another plan in place this year, though I plan to try. I think it is terrible that representatives of insurance companies can tell someone something, have them enroll in a plan, and then completely disregard the information previously supplied.

A patient's doctor should be the one to make the decision as to medication required. Diabetes is a terrible disease. When a medication is found that can control the disease, there should be no question of it being covered. Everyone knows the damage that can result when it is not controlled. Insurance companies are only in the business for the money. They try to push off old and outdated drugs on the unsuspecting public with little regard for the effects.

COLORADO -- I found out the hard way that every time you speak to someone there you get another answer so make sure you receive everything in writing and believe nothing. Sorry to say but I have serious doubts about the integrity of this company and total love my agent which is why I continued with them this year. But will take a hard look at others for next year.