Humana Health Insurance

Linda of Lynchburg OH (05/06/08)
My dad was on Actos for diabeties. He has renal faliure and congestive heart failure. His Doctor took him off Actos and is trying to put him on Januvia. Humana denied the request. They said that his sugar would have to be out of control for 6 months before they would cover the medication. As of March he has not been on any diabetic medication.

We monitor his sugar every day. It is slowly going up. We are very careful with his diet. If it goes up and stays up that long, he will lose use of his kidneys all together. My parents are on a fixed income. They can not afford to pay full price for the medication. This has really stressed my parents out to the point that I am afraid one of them will have a heart attack. Their family doctor has been calling humana and medicare and no one will return his calls.

Alfred of Addison IL (03/15/08)
I was enrolled in the Humana's Prescription coverage and was making payments of $25.50 per month. When the new enrollment started for 2008, I decided to drop my coverage and go with the VA, which I can get my medications and Medicare approved as a drug coverage that meets their standards. I called Humana to find out where I send my letter of disenrollment, and was told by ONE OF THEIR employees to send it to the same address I was sending my payments to. Only to find out later after I contacted Medicare to see if they received the disenrollment from Humana and was told, NO.

So, I contacted Humana again and was told I should have sent the disenrollment to their office in KY. So, off went another letter. A few weeks later, I was contacted by Humana saying I cant disenroll because I missed the deadline. I explained I did and followed one of THEIR EMPLOYEE'S directions. I sent another letter to Humana to the Grievance and Appeals Dept and its been over a month and have not heard a word from them. Today, I received another letter from Humana saying if I don't send in a payment I will be disenrolled from the Drug plan and will HAVE TO PAY PAST DUE PREMIUMS. I have had NOTHING but problems with Humana, their Health Insurance and now their Drug plan. It seems to me nobody knows what they are doing in that insurance company. I would advise anyone thinking of enrolling in any of their programs to think twice if you can get another insurance company to accept you.

Walter of Gilbert LA (02/27/08)
On February 26th my wife and I were interviewed by an employee of Humana with regard to an individual insurance policy. In the middle of the interview I stated that I wished to withdraw my application due to questions and answers that were beginning to get complicated. Later I find that Humana has denied coverage for reasons that my spouse has stopped taking a prescribed medication without her physician's approval which is incorrect. It is my position that all information provided should be discarded since the interview was terminated by me. Furthermore, the interviewer had no right to proceed with the application process on her on with a denial of eligibility.

My concern is the negative impact this may have as I seek coverage with other insurance carriers.

Jim of Williston SC (01/28/08)
I applied for a Medicare part D Supplement Gold Plan on 10/02/2007 with Agent Allen Gaskins. I already had a drug plan with Humana. The Gold Plan was to go into effect 11/01/2007. That is why I waited until 11/05/2007 to have a lower back operation so I would be covered. Somehow Humana got the info wrong and sent me another drug plan card they call Standard Plan. I already had their Enhanced Plan. It is my understanding that it is illegal for them to change a drug plan, but that was not what I signed up for on 10/02/07 anyway!

I signed up for the Gold Plan at that time because that is when it became available according to the Agent, who had been working with me on this for a couple months. It was supposed to go into effect on 11/01/2007 so I would have coverage on 11/05/2007 for the operation. The Agent has complained to Humana, but they refuse to honor it which is a contributing factor to me having to file Bankruptcy. I have my copy of the Policy coded for the Humana Gold Plan I signed up for. The Agent has tried to resolve this with Humana to no avail. What do I do now?

This was a contributing factor to me having to file Bankruptcy.

Mike of Lynchburg VA (10/07/07)
I have Humana insurance through my employer, based in another state. I had a routine I was told by the doctors office on at least 4 occasions that they accept it. My claim was so-called paid by Humana, but they paid zero. When I check this on Humana's website, it says that my plan is not available in my area.

Michael of Albion CA (08/27/07)
I had a no donut hole plan in 2006 with some low income help 25%.In 2007 Iwas sent a letter by humana saying my low income help would end 02-01-2007. How will my monthly premium change? $75.60 to $80.90. Next How will my other prescription durg coast change? *Your yearly presciption drug plan deductiible will be: 0 *When you fill a prescription, your copaymentor coinsurance will be: ?5/$30/$60/25%

I recieved this letter in March of 2007 no were in this letter does it say iwill have to pay 100% at any time. Now they are saying i have three stages and I am in stage two now and must pay 100% till I pay $3,850 Then they will lower it. Yet this is not what the letter of March 2007 states.

This is over Half of my wife and my income for 2006! I have to have an operation in sept. which i'll be paying 20% of the Hospatal and doctors bills. I can not afford my medicine.

Clifford of Evanscity PA (05/07/07)
I have had Humana Health Ins.since retiring 5 years ago,and Part D Ins.through them for 1 1/2 years.On march 1st,I called Humana and canceled my In. as of 2/28/07.On 3/6/07 another payment was taken from my checking account by Humana for March.On 3/9/07 I talked to A Shawn,who told me everything was ended as of 2/28/07,and gave me a conformation number and told me my payment would be returned.

I called back on 5/4/07 and was told I had to cancel before the end of February to not be billed for the next month. Since $122.00 and $22.90 for part D is a large portion of my $806.10 Social Security check.

I am highly upset by this business practice,since I was not informed of this,I'm sure most other retiries have not been also.March 1st I started with another company at less than half the premium cost of Humana and it includes the part D insurence. I think the older public should be informed of Humana unfair practice.

Kim of Altus OK (04/21/07)
My parents enrolled in the Medicare prescription plan last year with Humana. At that time, they had their premiums (totaling $101 per month) taken out of their social security. At the end of last year, they chose to go with AARP because it suited their situations more favorably. On 1-12-07, they each received Confirmation of Your Disenrollment letters from Humana. As of their April social security checks, their premiums totaling $101 per month are still being withheld.

I have contacted Humana, Social Security and Medicare during the months of January, March and April. I have averaged about 2 hours per my conversations, and I have been assured each conversation that it is the problem of one of the others but the money will be refunded by some entity at some time. My January calls resulted in the misinformation from Humana that Social Security would refund the money, probably in the March social security checks. In March, my calls resulted in promises that Humana would refund and that someone in their billing department would call my father within the week. The call never came.

In April, I was given information from Humana that it did not have the premiums that social security was withholding and that Medicare would be the one to refund. My call to Medicare resulted in being told that Humana was the one to refund and supposedly Medicare did file a complaint for us although we have yet to hear anything from Humana.

My parents are on a fixed income, and $101 being withheld each month is a large sum to them. If Humana is doing this to even as few as 1000 people nationwide, that $100,000 drawing interest a month is certainly helping that corp.

Craig of Napa CA (01/20/07)
I originally enrolled in the Humana PDP Enhanced drug coverage plan S5884-030 (account # 156223149-001) beginning in June 23006. The plan states that for the monthly premium of $11.25 it covers up to $250 of generic drug costs with $0. co-pay. I did not use the coverage until January 2007 whereupon I found that the co-pay is now $5. and the premium has more than doubled to $23.10 per month.

This is insurance fraud. Humana has deliberately offered a false claim of coverage, cost of premiums, and co-pays. Humana misrepresented the cost of their prescription drug coverage and arbitrarily raised the premiums to more than double the original plan agreement.

I am experiencing economic hardship trying to pay the more than doubled monthly premiums and the arbitrarily raised co-pays for my necessary prescription drugs. I now must balance feeding and housing my family of four with purchasing drugs prescribed by my physician necessary for my health.