Humana Consumer Reviews - Page 8

SUMMERDALE, ALABAMA -- We are very unhappy with Humana One Dental Coverage. My husband is asked to wait 3 months to get a first appointment with oral surgeon in FL (we live in AL). The FL doctor is with Aspen Dental. A local Aspen Dental doctor (3 miles from us) is not in our network and not covered by Humana One Dental. Very frustrated with this company -- ready to cancel our policy.

MONETT, MISSOURI -- My wife had an accident 14 months ago where she broke off her good teeth from her gum studs from a serious fall. She suffered in excruciating pain for many months while we submitted numerous appeals because Humana said "dental" was not covered (all initial appeals are ruled upon by Humana paid people). Humana continuously blocked us from receiving medical attention on every point!

Finally we got to the Federal Court of Appeals. The judge ruled fully and completely in our favor, stating that if an accident caused the damage to her teeth it cannot be considered routine dental, and also that we had an Advantage Plan (Humana Gold) with expanded coverage. The judge proceeded to outline to Humana why they never should have denied us medical coverage in the first place!

Our doctor said Humana always refuses coverage in an array of medical claims routinely in an effort to not pay out money for necessary medical claims. My doctor said after some people filed appeals and got turned down they gave up before making it to the Federal Courts, which he said eliminates 95% or more of the appeals! (It takes up to a year or more to make it to the Federal Courts).

The Federal judge instructed Humana to pay for our medical treatment 5 months ago. So far Humana refused to arrange or pay one penny. I called the judge's clerk and asked how do I enforce the judgment? I was told they didn't know of any way to enforce said judgment. While my wife continues to suffer we will have to dig up the money to pay for a private attorney to sue in civil court.

Note: You cannot sue Humana for pain and suffering, punitive damages or even attorney fees because the Government gave them immunity. So what do they have to lose by not paying?! Humana is an example of a company that will let you die for the sake of pure greed (their stocks have reached all-time highs on the NYSE)!

INDIANAPOLIS, INDIANA -- HUMANA insurance company a cesspool of lousy customer service, disrespectful reps and supervisors who are poorly trained and give you any answer off the top of their heads, right or wrong. Appeals department is the slickest, most sleazy part of the whole latrine. Is Humana Insurance a paragon of honesty?

Had all medical tests done by my 'network' surgeon then met with an insurance agent who changed me to Humana. I made sure my surgeon was also a 'Network' surgeon with Humana (specialty: cataract surgery). Guess WHAT? When I attempted to schedule surgery, I was told by his office manager that my HUMANA NETWORK surgeon has no place where HUMANA has certified my NETWORK surgeon to do surgery under NETWORK PRICES!!!

I wrote letters to them, made 20+ hours of phone calls in 2 weeks to poorly trained HUMANA reps who crudely & rudely gave misinformation! (Meanwhile my right eye has deteriorated more!) I spent hours typing an appeal letter to HUMANA with a painfully broken finger that required complicated surgery. HUMANA had DENIED the routine pain RX written by my highly trained hand surgeon, the senior partner at the biggest hand clinic in the US!

The appeals woman called me much later and started loudly speaking over me (she WON the trophy for rudeness in my 63 years), then told me if I said another word, she would hang up on me—which she did anyway. (I was tempted to go ahead and hang up on her, but then realized if I did so, she would note it as my fault.)

Another representative told me that my doctor is NOT a surgeon. I said "What? His specialty is CATARACT SURGERY!" He told me authoritatively several times my doctor is not a surgeon,( which would surprise the med school where he teaches surgery!) (So TIRED of their games after spending 20 plus hours on the phone the first two weeks, with both true and false answers about a network site for my actual cataract SURGERY!)

Got a letter back from HUMANA saying they would explore the matters from 'within' but could in no way ever let me know the outcome. In other words, again I got an UP YOURS from Humana! (They even had a doctor listed in their book as a network doctor, but she left family practice to do research 23 months prior!)

They blame the doctors for HUMANA's mistakes in Humana provider directories that they have printed! Anyone surprised? I consider having a NETWORK surgeon with no NETWORK place to get surgery done, to be deceptive advertising! Before switching to Humana, I even asked my agent if I would have any problem getting the surgery done with my network doctor (since I did not trust insurance companies) & she said no one she knew ever had a problem. (SURE, NOT IF YOU WANT TO PAY OUT-OF-NETWORK PRICES FOR A NETWORK SURGEON TO DO HIS WORK!!!)

SAN ANTONIO, TEXAS -- My mother was recently involved in a auto accident and taken to a ICU trauma in San Antonio. After 12 days in ICU her drs. recommended a LTAC facility. Humana Gold Plus "reviewed" the Drs. recommendations and disagreed with their request. She was moved to another floor to wait until her chest tubes can come out before Humana will let us know what they will pay for. My mother is in a 3 person room with chest tube, broken hip, open wound, 6 broken ribs, heart problems, broken femur and instead of getting the help that a LTAC would be able to provide, she is stuck waiting, against the Drs. advice, for Humana to see how she progresses.

I, her daughter, live 200 miles away had to return to work after 12 days (she is stable, just not getting well enough to stand or get tubes out). I offered to pay for transportation to Houston, where I live so that I could be there daily to assist in her recovery and help with decisions. Humana refuses to move her even though the Drs. say it would be best for her to get the care a LTAC offers and to be with family. Humana is keeping her there and making all decisions as to what care she is receiving based on what they will pay for.

My mother pays a good amount to Humana as a replacement for her Medicare thinking that she would receive the best of care. Humana has taken away her right to participate in the decisions of her health care. I would encourage anyone with parents that have Humana Gold Plus to examine other options.

Even the Drs. and hospital staff have told me that their hands are tied and they hate to see people come in with Humana because they know they can not give them the level of care that they need. Medicare is a much better option. Do not let your parents be in the position that my mother is in. Helpless and at the mercy of a review panel deciding what is best for her. Sad daughter 3/9/12 12:02PM.

After losing my dental insurance from work I felt it would be worth checking into getting a family dental insurance policy. Humana is a well known company right??? I called the company representative on August 19th 2011 and this is what happened: In a very high pressure sales pitch about how great the policy was the representative told me that their in-network providers provide discounts of 28% for many procedures including crowns, root canals, and so on.

The discount services were effective immediately. I asked if a specific dentist we just started seeing was an in-network provider. The representative stated "yes". I said - "So, the discounts you stated will be honored by this dentist?" He replied that "they would be honored by this dentist." I signed up. Wow was I wrong. I talked with the dentist after I got off of the phone and guess what? They do not give any discounts to patients for HumanaOne.

I cancelled my policy which was not in effect until September 1st 2011 (full two weeks before coverage was to begin). Oh the nightmare run around begins. You have to email the company to cancel, you can't do it over the phone. I emailed over ten times - no response. Then I finally get an acknowledgement of my email to which I could not reply. It just said they received the email from me to cancel, nothing more. I emailed again. I finally get a letter stating my insurance was cancelled as of September 1st, no mention of my refund.

I called the company on 9/27 to find out that I have to write to their grievance department to try to get a refund but they would keep $35.00 no matter what. The representative did not tell me this either. Now I am told that this is their service fee. What service? I was given false information about the policy coverage and discounts, given the run around to cancel the policy and given a huge run around about a getting a refund. Stay away from Humana's service!

LEXINGTON, KENTUCKY -- My wife and I both had part D coverage last year through Humana. When the 2011 update book came out it was next to impossible to figure out what if any changes would affect our prescription expenses. So I called Humana customer service. Went through all of our prescriptions one by one with the agent and was told only one of our prescriptions was changing. One of my wife's was moving from tier 1 to tier 2 changing the cost of that prescription from $7.00 to $40.00.

Come January, what a surprise we got when we went to pick up our prescriptions. The truth was the exact opposite of what we were told. For each of us only 1 prescription was staying the same. So in total 2 prescriptions stayed where they were on tier 1. The other 9 were moved from tier 1 to tier 2, meaning a $40.00 copay for each of those 7 medications.

Basically the Humana Agent out and out lied to keep us paying for insurance with them. Now we pay them a total of 86.00 a month for prescription insurance and they cover about $70.00 of our prescription costs. When you're on SSD income is limited enough without the people who are supposed to be helping you lying to you and adding to your cost of living expenses.

When I filed a complaint with Medicare about this a Humana agent called us trying to tell us nothing had changed in the co-pays. Their only answer was to give us a phone number, our doctors could call an petition for a tier exemption. I think you all know pretty much were that one is going. Now the question we are facing is do we give up prescriptions and suffer the consequences or do we give up eating.

PITTSBURGH, PENNSYLVANIA -- My complaint is against Humana and its sales associate **. My parents are paying monthly on a policy that is supposed to cover my mother's prescriptions. The above mentioned agent met with my parents in their home approximately 3 months ago. He explained to them that my mother's prescriptions would be covered and that she would not end up in the so-called "donut hole" for a long time.

I am not sure if that is what happened or if this associate lied to them just to make a sale. My mother's prescriptions have not been covered and they total over $500. a month. My parents are in their 70's and do not have the income to pay for her prescriptions so my mother has considered just not taking them. These medications are life sustaining.

I have spoken to Mr. ** and explained to him my mother's situation. He told me at that time that he remembered my parents and he also remembered telling them that my mother's medication would be covered. He told me that the company should cover them and he could not understand why they weren't. He told me he would get back to me the next day after he checked his paperwork.

He did not get back to me, however, he talked to my mother the very next day and told her the same thing. He admitted to her that he remembered her situation and that he did state to her that her prescriptions would be covered. He also stated to her that he could not understand what the problem was. When I called him the day after that he returned my call to tell me that he has been told he is no longer allowed to discuss anything with myself or my mother.

I do not understand what is going on. It seems that either the company itself is either trying to cover something up or just rip off elderly people. Since my parents have paid for months of coverage that they never got but were promised, I feel that they should be reimbursed the total they have paid. I also feel that since my mother has had to pay full price for her prescriptions, that the company promised would be covered but lied, she should be compensated monetarily for the amount that she had to pay due to the company's lies.

Sometime in March of 2010, I found out that my son needed oral surgery for his teeth. I looked on my insurance company website www.mycbfed.com. I located a doctor that was close by to me. His name was ** and he was located at **. I specifically wanted to go close by. I went to this dental office and received an evaluation.

To make a long story short, it turns out that Dr. ** had been deceased. The new dentist no longer accepted Humana. The new doctor's office explained to me that on three different occasions, that they let Humana know this as well. Still to this very day, they have ** listed as well. Humana told me to submit a letter to their appeals office, and so I did. Humana told me that it would take thirty days to process my appeal.

One month later, I called up to find out my appeal, only to have them tell me they never received it. While I did not send it certified, I did send it. I know that they received it because I work for the post office and mailed it myself. Humana simply blew me off. To begin with, this is my second and last year with Humana. I purchased the insurance to help out with my sons braces. I figured that with this and two other dental insurances, I would not have to come out with much out of pocket. For my sons braces, Humana paid $0. My out of pocket expenses was over $5000.

To top this out, the local dentist that my son was seeing, was having a hard time getting Humana to pay claims. Humana has ripped me off and I believe, failed to live up to my expectations. I did contact the BBB about Humana, but was told that there was nothing they could help me with.

I am not offered insurance with my employer and am in desperate need of dental services. I found a plan through them that gave a list of services I could receive at a discount rate and it was in my budget so I signed up. I had to pay a $35 application fee and a monthly premium of $15.10. They had a large list of providers in my area and I was very thankful to finally have great coverage.

Then the terror begins. A bunch of the providers on their list had disconnected phones and were no longer in business. Some said they never signed up as a provider for the plan, and others were so terrible I did not stay for the appointment. It would have been cleaner at the health department.

I had not utilized coverage so I called to find out what to do to cancel the policy. I was told I had to email to cancel and that was the only way, so I did. Next, I get an email back stating they received my request and it would be processed within 7 days. I wait and still nothing in my account so I call back and am told they never received my email. Not only did they not rectify the problem immediately I was told that the application fee was not refundable. They then made me email them the original email I sent and the confirmation email they sent me! So again, I did.

A week later they tell me they are processing it that day and that it would appear in my account within three days. I waited another week and called them back. They told me I had to wait longer and that it is an issue with my bank. I had to tell the lady to "stop patronizing me and open up your ears to listen. There is obviously a problem somewhere. You are customer care so HELP ME!" She told me she would look into it and call me back.

At the end of today, she returns the call only to tell me that they did cancel the account and processed that, but for some reason it had not been placed back to my card. She assures me that it would be refunded today. Yah! I told her I would talk to her again next week when they again drop the ball. Enter into a policy with them at your own risk!

DAYTONA BEACH, FLORIDA -- I have had the most alarming experience with HumanaOne. 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.