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Humana Reviews and Customer Comments

These are comments left by site visitors who have completed a survey for this company. The comments are unedited and shown in the order the surveys were received. If you would like to participate, just click the "Take a Survey" button at the end of these comments.

"Even though providers which supposedly accept Humana are listed on the Humana website it turns out that most of them don't. A large amount of time is spent phoning individual providers/practitioners and asking if they accept Humana with the majority in my area Austin TX not accepting it. Some companies have said that they are not allowed to accept Humana in Texas period."
Commented on 2014-08-01 15:53:03 EST
"They cashed my first two premium checks 1175 03/27/2014 and 05/07/2014 and could not 'find them' to credit my account so on 05/03/2014 they canceled my coverage retroactively to 04/01/2014"
Commented on 2014-05-21 12:19:17 EST
"We were lied to by the agent. Totally misrepresented - told we could see our doctors as they are in network. Wrong they are not in the PCP's network. I fell and hurt my knee-PCP office would not make me an urgent appt. I got terribly sick with a sinus infection-PCP office would not make an appt because I had not been seen by this doc yet. Doc won't refer me for knee injury she wants to shoot me up with cortisone - NO WAY I have no diagnosis and she doesn't have xray vision. I need to see my cardiologist she told me to wait as my diabetes is out of control. Wait??? I need other exams - she turned my requests conveniently around into "wait" - I don't see her again till Sept. I can't wait. Someone told me ONLY sign up for an HMO if you are healthy and pray you don't get ill. I think that we are thought of as expendable - which is a horrific way to feel as we age. She put me on a combo of diabetic meds and I researched them - warning increased chance of heart attack and stroke. HIGH increase. I stopped one of them. So now I am back to square one making dietary changes for my diabetes can't exercise knee is all screwed up. I call them Un-Humana Gold Plus HMO - there is no one to talk to no one to help us. We are being held hostage by an insurance co that doesn't care about anything but money."
Commented on 2014-05-07 12:25:16 EST
"Humana told my pharmacy that I can only take half of my medication prescribed by my doctor. Apparently it is fun practicing medicine without a license.Also their communication center is absolutely horrible. After waiting a week for their answer on a very specific question I got the following answer I did not make any changes to this whatsoever Dear insert member name Thank you for your recent inquiry submitted through the Humana Message Center.Thank you for contacting Humana to receive guidance when you need it most. If you have further questions please continue to use the Message Center or call our Customer Service Number on the back of your member ID card. We are available Monday through Friday 7 a.m. to 6 p.m. CST. CCS NamePurely a copy and paste job where they did not even bothered to fill in my name or the answerer's name. Also could one get any more generic by not answering anything at all?I'm amazed by the incompetence. I would not recommend it to even my most bitter enemy."
Commented on 2014-04-15 05:27:47 EST
"Last year I had 2 ER and 1 urgent care visit related to kidney stones. I have a 5000 deductible of which I paid in full while Humana covered te rest plain and simple. But this year after Obama care hit I've had nothing but problems both with billing and claims. I chose this insurance because of its maternity coverage which I'm told is only covered in my state of CO. Many claims including routine labs at various months of pregnancy have been denied. Customer service can only tell me these claims were denied because they were given the wrong codes from the provider. These codes are standard and universal across the board with OB providers. They will find any reason not to pay. Billing has been an even bigger nightmare...double drafted my checking account last month admitted their mistake and refunded me half within 10 days. I called the day before this months draft confirming the amount to be drafted and was promised what happened last month would not happen again. Was alerted by my bank today that they did in fact double draft agin causing my checking account to overdraft resulting in 105.00 in fees. I'm 6 weeks away from delivery and maternity leave. My broker has said that in 15 years of practice he's never seen such gross incompetence and they are by far the rosy insurance company to del with. Wish I was warned before I accepted the policy. Stay far away and never allow auto withdrawl from your account. It gives them too much control. "
Commented on 2014-04-03 02:44:15 EST
"Re Humana Gold Plus HMO-went to my PCP and the PCP recommend lab work and sent my steps down the hall to lab at the her office. Lab was out of network and claim denied. I trusted the PCP to direct me in network since it is a HMO. Now I owe the entire bill. I should have stayed with Medicare.These doctor's are cheating people out of covered charges by sending them to offices that they have connections with. It should be illegal."
Commented on 2014-03-24 18:38:35 EST
"Was told in November 2013 that I could shift policy principal to my wife in February 2014. Confirmed in December 2013 sent transfer request in mid January 2014 as directed. Told on Feb 3 2014 that they changed their policy in December and would not transfer principal after 12/31/13 and that their staff was misinformed to tell me otherwise. They took payment out of my bank account for February and I cancelled policy. Still waiting for refund of February. I call them every 2 to 3 days and get plenty of apologies and re-application for refund. Humana is the worst company of any kind that I have ever dealt with in 40 years. They are not credible. They will not put anything in writing and they will not connect you to a supervisor they're always busy or unavailable. "
Commented on 2014-03-05 11:45:11 EST
"I have Humana Federal Advantage for my dental coverage. The plan was great for my family when we lived in Washington DC but now that we live in South Carolina it has turned in to a problem. Every time I call Humana to verify that a dentist on their website of participating providers is indeed participating/preferred they give me and the dental practice a different answer. I have actually voice recorded these conversations where the same person gives me contradictory answers in the same conversation. Call and speak to another Humana rep and I got yet another answer. Finally I asked for an answer in writing "is doctor 'A' a preferred provider or not." and Humana refused to give me the answer in writing or provide me with a list of names in writing of which dentists I could go to. Of course before any of this happened all five of my family members had already started a treatment plan since Humana and the dentist both said they were participating but now I get to wait and see what happens next with my claims. What a JOKE. Human won't put it in writing b/c they have no intention of standing by their word."
Commented on 2014-02-27 17:23:50 EST
"until this year Humana Gold took very good care of me as far as what the doctors asked for until I went to fill my oxycodone and no pharmency would fill the script. Humana refused to pay there part as they did last year.This is a tier 3 drug and I had to pay 40.00 dollars a month were now I had to pay 600.00. I am a 100% disabled veteran with little income"
Commented on 2014-01-08 07:43:15 EST
"Best is customer service. I've had need to call twice. Both times my problem was resolved while on the phone call. Agent is always cheerful helpful.Had heart surgery. When I went to pay off my portion of hospital bill the cashier told me she wished she had my insurance b/c it paid almost everything."
Commented on 2013-11-26 15:56:29 EST
"Doctors that were "in network" one year were not the next and I had to pay 50% of costs. The only hospital on Whidbey Island was "out of network"Drugs that I had to pay for were not tallied into my costs when Humana sent out the monthly totals for payments. I was denied coverage for a drug even though they had sent me a letter agreeing to coverage. Their explanation was so convoluted and dishonest I gave up.How they could be rated at 86% is beyond me."
Commented on 2013-10-10 12:08:15 EST
"submitted 5 claims and spoke with rep at customer service 5 times. said I had primary insurance thru another company. I retired and took medicare thru Humana on 3/1/13. I have had no insurance except Humana since 5/31/13 and all of my claims have been after this date and they are still saying they are not primary. Can never get a person in charge and they simply will not pay. I have filed a complaint with Medicare insurance commission and Sen.l Lindsey Graham. This is simply medicare fraud by a private company. They take your money but give NOTHING in return DO NOT USE"
Commented on 2013-09-09 11:24:51 EST
"Customer service reps need more training before handling customers on the phone. Some of have been absolutely terrible."
Commented on 2013-08-02 16:59:12 EST
"Humana Gold Plus HMO Is the most troublesome health insurance co. that I have ever delt with . They require pre-autherizations for absolutly everything including many Rx refils and have denied payment for them. I am being forced to to without medications or chance buying them "on the street" Meds that I have taken for years. They have no regard for patients. I am considering a class action or personal law suit and would love to make contact with others whom Humana is abusing including doctors who hate trying to work with them. Humana dares to disregard licenced physicisions recomended treatement. I believe it borders on criminal action."
Commented on 2013-05-09 12:10:41 EST
"This month I didn't have enough money in my checking account to pay premium. I called Humana and offered to pay by credit card -- but they won't accept Visa I was forced to cancel my insurance."
Commented on 2013-04-29 10:28:50 EST
"They can't even communicate with their own people I called to say I had tried to send an email and their server failed to respond 12 times causing me to be kicked off the site. Wanted to email because the last time I followed their instructions over the phone I spent 9 months fighting the resuting denial. When I called to report the website problem - the "customer service" person said he couldn't contact people in other departments to tell them to fix the website - but he could connect me to them so I could do it. Uh if you can connect me to them - why can't you talk to them??????? Pathetic"
Commented on 2013-04-11 18:53:00 EST
"They continued to withdraw premiums from my account after I cancel poliey. They won't give back the money. I have letter from them showing date of cancelation."
Commented on 2013-03-01 18:45:01 EST
"Humana is refusing to cover my medication that I have been taking for over 10 years.They are forcing me to try another medication that is cheaper for them?? "
Commented on 2013-02-18 20:47:09 EST
"NOBODY returns phone calls. Wish I knew how they did business up front. Have no clue how their still licensed."
Commented on 2013-01-14 18:30:20 EST
"I have humana insurance through my place of employment and have had nothing but problems. i had gallbladder surgery and the claim was denied because they said the hospitalist that i was seen by in the hospital was out of network. WHAT? even though they say they know its beyond your control they still make you fight for it and it takes months of calls and appeals they also are supposed to pay 100% of preventative exams such as mammograms and pap smears but when i went to have a pap smear they said the lab that it was sent to was out of network and denied payment and it would have to be appealed. Nothing but a nightmare Im afraid to go to any doctor or ever have to go to the hospital never get humana insurance"
Commented on 2012-12-26 07:34:29 EST
"After taking a medication for about five years Humana sent a letter to my doctor saying they would no longer cover the prescription because I was too old 72yrs old. My doctor sent the CEO of Humana a letter saying he was sueing him for practicing medicine without a license. Humana decided to fill my prescription"
Commented on 2012-11-16 15:29:57 EST
"Need to have a revision due to complications from a WLS that was paid from a a prior insurance. There is no contracting hospital and doctor within 300 miles. Wanted me to go out of state to have surgery. However due to possible complications and continuity of care have asked them to make one time exception. Have supposebly been working with local facility for past 4 months trying to agree on rate. Really? Four months to reach an agreed price ridicoulous"
Commented on 2012-10-03 20:17:06 EST
"this year I have had two very important medications rejected. to improve my eye sight. Now I need numerological surgery and they refuse the surgeons that my Doctor most strongly recommends. i will not renew my policy again."
Commented on 2012-09-15 14:48:57 EST
"The insurance company called my doctor on 3 way to verify my medications and the reason I was taking them Never ever ever do business with Humana"
Commented on 2012-09-11 15:04:03 EST
"You could buy generics like warfarin for less money than they reimburse the pharmacy and then you pay 5 times as much to the pharmacy to boot They actually suggested to me in writing that it might be more economical for me to buy the medications at a Walmart ... of course the premium stays in their pocket. Their contract pays 100% once you reach the out of pocket limit ... since they know what pills you take and control the "your portion" paid to the pharmacy its VERY simple to juggle so that you never reach that out of pocket limit"
Commented on 2012-08-08 14:59:30 EST
"My biggest concern with Humana is the fact that they are cutting reimubursement rates to their providers. Cutting the rates of those who care for us leave us with less educated less experienced providers to choose from. Most of my providers no longer accept Humana due to recent cuts in their reimbursement rates. Anthem has given providers a meager raise but still a raise. If an insurance company treats their providers badly they will also treat their members badly."
Commented on 2012-05-16 14:08:03 EST
"Probably the worst customer service in addition to a horrible billing system. The staff who answer the phones are rude arrogant and ignorant. Humana is awful"
Commented on 2012-04-17 22:03:13 EST
"The worst will not go into details as it would take all day to expain the nightmare my family and I have been through and still not over"
Commented on 2012-03-03 15:07:27 EST
"PPO premiums seemed reasonable but every claim is questioned challenged investigated-- and in an unprofessional accusatory rude way. "
Commented on 2012-02-02 19:37:48 EST
"Despite your specific plan or coverage Humana has many ways of denying claims like applying the claimants responsibility to thier deductible contrary to thier evidence of coverage which is 130 pages in length. They also accuse your health care provider of using the wrong code and/or coding the claim as non-routinetests. I am unsure of what thier meaning of non-routine means. These are typical of thier methods for denying claims."
Commented on 2012-01-14 18:36:45 EST
"The review complaints sound like I wrote them. The excuse denials quoted exactly match those Ive received . Ive been with them for only a year- PPO- the very 1st 2 claims were immediately challenged. I can now see the writing on wall will get out while I still have a shirt on my back "
Commented on 2011-12-02 16:51:58 EST
"Claims process was absurd. Frontline staff immediately denied and the appeal process was a nightmare. They never let you get past the front line staff to see or talk to someone that can make a call. Took me 1 year and countless days of calling to finally win out. After they paid it out a year late they put my account on hold a year later based on the same claim they said they should not have paid. I have to stay with them because I am a State employee and they are in the States pocket KY. Bottom Line Read the reviews and avoid at all costs. Incompetent unhelpful and customer service is not in their dictionary. "
Commented on 2011-11-16 11:45:27 EST
"I will say this as politely as I can. Please find a different health insurance company then Humana. Im sure the customer service folks mean well. But the company is an awful company. Ill leave it at that. "
Commented on 2011-10-24 03:05:39 EST
"Terrible health insurance alternative. I have to have the insurance because it is the insurance my company uses. Need a precertification for a nerve block and have to reschedule because they denied it and now have to live in pain for another undetermined amount of time nerve block.Require medication because of epilepsy and they deny it because they say it is too costly.My secondary AETNA through my husband ALWAYS pays more as a secondary than they do. Go to AETNA for better coverage."
Commented on 2011-09-15 08:26:47 EST
"They charge OUTRAGEOUS premiums and pay very little...just about EVERYTHING is considered toward your co-pay. If I would take my monthly premiums and pay out of pocket for what expense I have had I would have thousands in the bank The are robbers"
Commented on 2011-09-13 08:06:48 EST
"Humana is cutting back on all its Medicare benefits for those enrolled with Humana HMO. They used to have about five dermatologists MD and now they have only one about twenty miles away and its a Physicians Assistant and it takes about two months to get an appointment. They have sharply cut back on dental benefits too. I will not renew this year and hope others will express similar disapproval."
Commented on 2011-09-03 18:13:44 EST
"they take to long too approve things leaving my health care question.They have problems with me picking my own doctor even when I picked one in network. "
Commented on 2011-06-14 08:56:30 EST
"Awful customer service..stay far far away from anything HUMANA offers. "
Commented on 2011-05-28 20:36:12 EST
"At first the agent did not turn in the paper work. It took a month to resolve that, and now they are having a problem taking the payments from my checking account. They dont know what the problem is."
Commented on 2011-05-09 10:14:51 EST
"Humana will use every excuse from pre existing condition to failure to receive pre authorization to deny claims. I have never in my whole life been so aggrivated with any one company, I feel my full time job now is to call Humana daily to get another claim paid. Most recent pre authorized for Cardiac Cath was admitted, now they say they will only pay half because no in patient authorization was requested. Stay away if you can, if you cannot, make sure of all authorizations for procedures before having them. All calls to them should be recorded, not only in writing but by way of voice recorder, each rep will tell you something different, without the voice record you could have no recourse."
Commented on 2011-04-22 10:40:41 EST
"I am writing this to everyone, stay away from Humana this is the worst Health Insurance company. There has been such a high rate increase every year on my wife and I, we have had no hosiptal claims good health so far Only in this 3rd year they did not go up as much but still made a large rate increase and that is likily do to my filing a compliant with the insurance commission of Alabama. Add to this that I just cancel this Insurance under proper termination agreement, and basically have given them a full months premium, and they want to charge me for an additional month for which there is no coverage. I will be writing the Insurance commission again. Stay far away from this company. I have just purchase basically the same Insurance for a fraction of the cost. Shop around and stay away from Humana"
Commented on 2011-04-08 20:44:22 EST
"Humana denies everything. It seems like every claim is a problem. I unfortunately have no other choice because this is the only choice from our employer."
Commented on 2011-04-04 19:39:19 EST
"Regrettably, I was forced onto this company through my benefits package at work. They stonewall and nickel & dime at every oportunity even with their own in-network providers. BCBS has been much better."
Commented on 2011-03-20 22:14:14 EST
"My employer offers Humana as our provider for health ins. I had a 30 day waiting period before benefits kicked in. About 3 months after benefits took effect, I had a flu and needed to go see the doctor. Doctor submitted claim. Humana asked about my prior health coverage, provided info and they denied my flu as "pre-existing". From what co-workers have told me, Humana denies everything even preventative things which they are suppose to cover! They are the worst of the worst."
Commented on 2011-02-28 15:39:41 EST
"Many claims for xrays and mris for fractured humerus have been declined. payment appears left to me even though tests ordered by doctor. amounts do not count toward deductible. they never explain that you are without insurance if they decline the claim. insurance is totally useless and whole process is confusing and upsetting"
Commented on 2011-02-05 07:23:39 EST
"This company is the worst. I dont know how they sleep at night. They lie and will cancel your policy if you have a claim. They left me with over $20k in doctor bills. Do not buy their policy!!!!!"
Commented on 2010-12-12 08:42:54 EST
"Worst ever. They lie, cheat, and lie to keep from paying any claim."
Commented on 2010-12-03 21:58:52 EST
"never had a worse experience with any company. the worst ones to deal with by far"
Commented on 2010-11-08 16:05:18 EST
"takes multiple phone calls to get anything paid. They play the odds game hoping people will pay MD bill without confronting them about the bill. Headache"
Commented on 2010-10-12 12:06:47 EST
"The worst insurance plan ever! They do not cover even half of the cost. Their customer service is rude, placing you on hold for 20-30 minutes before disconnecting the call."
Commented on 2010-10-04 15:27:12 EST
"In-Humana should be their name! As I started to suffer through a Heart Problem they decided to raise my rates as I became sicker. Thanks for being there!"
Commented on 2010-10-03 19:50:21 EST
"they say the claim is inappropriate according to them, as if they sent an agent to check my condition when i was sick...plus am i mad to make co payment for my visit...pathetic company"
Commented on 2010-07-07 16:54:56 EST
"Denied paying annual Mammogram. I am 49 years old and Humana says it is a non-preventive mammogram."
Commented on 2010-06-16 12:59:27 EST
"Denied claim for surgery "
Commented on 2010-06-02 06:11:45 EST
"Infuriating company to have to deal with. Exceedingly poor "customer service" representatives. Just all around bad experience and bad company."
Commented on 2010-05-12 09:58:13 EST
"They authorized 13 visits for my sons therapy, then refused to pay for them stating that we "exceeded the benefit plan maximum", because he is only allowed 50 visits per calendar year. Then why did they approve it??? Now I am stuck with paying almost $1,000 out of pocket. I will never again trust their "authorizations" because aparently, they mean nothing. They also have horrible customer service. Nothing good to say about Humana."
Commented on 2010-04-20 11:21:40 EST
"My wife a very healthy person had an OB/GYN infection 10 days after we got this policy; her doctor gave her an antibiotic resulting in an ill reaction to a medication given to her (Levaquin). Her condition went from bad to worse very quickly. Humana thinks we lied on our application so they did a health review. She has been seeing the same doctor for 15 years. It would take a 6th grader 10 minutes to determine her state of health but 6 months later Humana decided she is healthy. But is still looking for preexisting conditions, meanwhile the bills are due. As you may know today’s medical insurance is filled with Co-Pays, In Network Deductibles, Out of Network Deductibles, Pharmaceutical Deductibles and Co-Pays and so on and so forth resulting in a great deal of money we must pay many people. We have paid $6000 a year for insurance premiums, $4000 in deductibles, $1600 for the Ambulance, $250 for (Metronidazole and Levaquin) that we threw away and on and on...... and now I have to pay what Humana said they would pay. This is a piss poor business decision on Humana’s part, they collect $6000 annually in premiums and won’t pay the final $4500 for a very healthy family that had an allergic reaction to a medication and today I stopped premiums to them and applied to another insurance company. Now I ask, what is the difference between the horror stories we have with Health Insurance Companies and the horror stories we here form socialized medicine countries. There the Government sends you home to die here insurances companies send you home to die. Up until now I have not been an advocate of Obama care but Humana has changed my mind! "
Commented on 2010-02-22 08:28:09 EST
"Humana "GOLD" is crap! They take advantage of senior citizens, and take their money and renew their coverage without providing them information on current covrage. Then when a medical event happen, all of a sudden their medical coverage is reduce,or non-existent; while the senior citizen thinks they are covered by the coverage they extended to them intially. There out to be a law to protect against this type of "bait and switch" activity! "
Commented on 2010-02-10 20:46:24 EST
"MY Brother had a stroke and Humana refuse to let him remain in therpy so he can get better he has made about an 80% increase in 20 days but this is not good enough for Humana he is not good enough to qualify for more therpy so what do our retiree have to go on"
Commented on 2010-02-02 17:55:35 EST
"Had a Humana HMO and it was great. Hardly paid anything out of pocket at all, other than my copay. Drug benefits are not the best, but still a good value. Never had any trouble with any claims. Only reason we dropped Humana was due to a ridiculous price increase this year. Wife stayed the same, but my premium jumped by over $6,000 for the year. Simply outrageous. Lost a very satisfied customer over the hike."
Commented on 2010-01-28 15:51:35 EST
"MY compnay has their High Deductible Plan, they pay NOTHING!!! Great deal for Humana, get money and pay nothing. Great rackette. You have a PErsonal Nurse that calls, theying to get all of your personal health information under the ruse of helping you. They are just collecting information to use against you later if they can!!"
Commented on 2010-01-24 21:32:09 EST
"great people.great company...plain and simple"
Commented on 2010-01-14 21:58:24 EST
"I tried to change from one Humana plan to another Humana plan. After two and half hours on the phone I still have not been able to to accomplish this very simple task. They need to understand customer request. "
Commented on 2009-12-02 13:49:05 EST
"If you have too much money or time, you may consider using this insurance company."
Commented on 2009-12-02 08:27:32 EST
"The claims coverage with this company is terrible. Any possibility of another party being responsible for the bill immediately results in a harassing letter demanding an explanation of the injury or illness. A phone number is provided, however, hours are limited to those that most people normally work and are unable to hold indefinitely waiting for a representative not to be "assisting other customers"."
Commented on 2009-11-15 03:43:18 EST
"I was surprised to learn of all the wellness benefits in my policy. I bought the cheapest minimal insurance and yet it covers more than I expected."
Commented on 2009-10-01 14:49:44 EST
"Humana ia just to cover the light headache one could have comparing to asking a Dr. to give an EKG and check for a stroke. It is the most pittifull over the counter of a health insurance I have ever encountered in my life!!! Yes I will change and no I will never recommend it and have not and have explained to friends to get a far better insurance."
Commented on 2009-09-06 12:02:39 EST
"They suck period I would not want this insurance company to cover my dog, let alone me!!!!"
Commented on 2009-08-05 07:32:04 EST
"worst insurance coverage"
Commented on 2009-08-03 14:58:39 EST
"Find a better Insurance Company"
Commented on 2009-06-30 10:56:57 EST
"I had a difficult time getting the company to cover preventative care, which is supposed to be 100% covered. Now I wonder how difficult it will be for them to cover care when we are not health. In addition, they raised our rates 33% in one year!"
Commented on 2009-05-28 08:47:42 EST
"Humana has STILL not paid expenses related to ROUTINE exams dating back about 8 mos. They keep stalling with denials based on non-receipt of prior provider info, which I have bent over backwards to see that they receive. Now they automatically use that as a denial tool for every claim, without even requesting information. The Drs. are getting ready to turn me into collection for bills that Humana should have resolved long ago."
Commented on 2009-05-26 13:09:52 EST
"very tricky, will manipulate coverage info to benefit them"
Commented on 2009-05-19 13:23:00 EST
"Unfortunately, I look at this as emergency only insurance. Put it away and hope to God you never have to utilize it. The process is so intimidating and the difficulty in renewal, has made it that I am afraid to use it for "routine" problems. I don't even want to get a perscription filled utilizing it for fear it will be held against me upon renewal."
Commented on 2009-05-12 11:46:03 EST
"I have Humana as my medicare provider. I have not experienced any problems whatso ever. I went to this site to check out regular helth insurance for my wife who is not yet 65 and is presently insured with BCBS. BCBS sent us a letter that they were raising her rate in June by 18% and so we are now shopping for more affordable coverage. I was surprized to see so many people who took this survey who were dipleased with Humana. Maybe they are OK for Medicare but suck for regular health insurance. It certainly has given me some food for thought."
Commented on 2009-05-09 09:05:33 EST
"I have try to file a grievance about Humana and they will not give me a grievance so I guess my only option is to dump them as soon as I can. I feel that I am in danger because they denied my medications every way they can. They keep telling me to call later until close the office and I am force to wait another day."
Commented on 2009-04-20 21:29:26 EST
"Rate increase seems very unrealistic"
Commented on 2009-03-19 23:31:33 EST
"company is restucturing...laying off my sales person....will buy where she goes"
Commented on 2009-03-17 20:15:24 EST
"Humana flat out LIED to me. Customer service is horrible, took two months to get insurance for my kid's only to find out they deny, deny, deny. Worst company I have EVER dealt with, stay away STAY FAR AWAY !!!"
Commented on 2009-03-17 10:46:43 EST
"Awful company. They have not paid their agents and are almost impossible to get an answer from regarding a claim. No way i`d ever buy from this company again. They don`t care about the policy holders or the agents. My agent left Humana due to nonpayment of commissions. He`s with another company now and is in the process of replacement of Humana with another company."
Commented on 2009-03-16 10:10:58 EST
"I must agree with the others that Humana (I'm in Illinois) is very difficult. They truly will do whatever they can to not pay a claim, or at least to hold up payment of a claim. I believe they intentionally make it very difficult! At this point, I am hardly surprised by anything they pull. I am an employer and they dropped our coverage because they didn't receive the check that we mailed. They didn't even notify us that they were dropping us. (Actually, they did. They mailed out a letter saying they hadn't received our payment and dropped us before we even received the letter. That's just the way they are.) I have no problem getting through to a live person b/c I skip all the prompts, and the people I speak with are very friendly. As one employee puts it "Too friendly. Like it's all part of their game." But it still doesn't make up for the basic way they do business, or the fact that the reps generally can't explain why they've denied a claim or done something else inexplicable. I definitely would not recommend them."
Commented on 2009-03-10 12:24:01 EST
"They have been decent so far, honoring their side of the contract. I have medicare ppo "
Commented on 2009-03-09 15:44:03 EST
"On going claim issue being denied after speaking with agents that say it is covered. Two faced to get your money. Do not sign up with these people. Cancel as soon as you can. They are now the top rated WORST health insurance co and are the wining about losing money. Top of the financial ruin list too. You won't get any money out of them..."
Commented on 2009-02-23 20:59:06 EST
"Humana is the WORST insurance company I have ever dealt with. I have dealt with many as I used work as a representative in a hospital and used to call for authorization for many companies. My husband has horrible knees and has had one surgery last year and one coming up this week. Also in the last year my daughter had to have surgery on her hip. With the 3 surgeries, they had to each have an MRI. All 3 MRI's had to get authorization and took at least 3 weeks for authorization. While my daughter's surgery was authorized, the brace that was required would take 10 days. She had to have the brace for immediately after surgery and would not be authorized in time, even though they could look and see she was having surgery. This was a 3 month processes to get her MRI and surgery scheduled. I just called them for a perscription override and they denied it for no reason. Their customer service is HORRIBLE. They are rude and do not in anyway respond to any complaints. Their review process is a joke. The make it almost impossible to file a complaint. For your sake, do not go with this company. If you are an HR administrator who makes decisions, do not use Humana. Your employees may never forgive you. I hope this review adds to your site and gets people to avoid this company. I see their adds about Medicare prescription plan and I want to throw something at the TV. I hope no senior is coned into their plans. "
Commented on 2009-01-12 18:30:32 EST
"Policies are written to get out of paying claims. Know all the details beforehand and know about waiting periods, out of network claims and why they would be completely denied instead of paid at the rate they say they pay them at. Copays don't mean that's all you are responsible for. Not a good company"
Commented on 2009-01-02 13:41:46 EST
"Humana seemingly looks for any reason, even if bogus, to deny coverage. After seeing a podiatrist, Humana twice denied my claim, alleging that the podiatrist was not in their PPO network, even though their representatives twice admitted on the telephone that the physician was in their network and they could not themselves account for their company's denial of my claim. Finally, after months of persistence, much run-around and many broken promises of corrective action, Humana finally paid the claim. More recently, Humana denied coverage of an orthopedic visit because they deemed the "most likely" cause of the condition diagnosed by the physician to fall within the terms of a vague exclusionary rider. CAVEAT EMPTOR!!! I cannot disrecommend Humana health care insurance strongly enough. "
Commented on 2008-12-31 12:55:51 EST
"I havent had many problems with in network providers but it seems fewer providers are taking the Humana advantage plans and it seems that providers may not be getting paid well enough with the humana plan leading to less care when visiting a doctor. The office people at many providers frown when I present my Humana card."
Commented on 2008-11-26 13:34:09 EST
"Just don't try to use their website as it is not user friendly. I tried to register on the website to access my health profile but it kept saying my ID number is not in the system! And there is no way to contact them but through a tedious phone call that asks for all sorts of information and tells you to press 1 etc. "
Commented on 2008-11-16 08:03:10 EST
"Our family switched to a High Deductible Health Plan with Humana after premiums on a Blue Cross Blue Shield (BCBS) PPO became too expensive. Our premiums are now around $400/month for a family of four vs. $1200/month with BCBS. We are now able to put the savings from our premiums into a Health Savings Account that we utilize for payment of medical expenses. Even if we hit our $5350 deductible each year, we are still saving money. And Humana has been great to deal with. They are timely and accurate in their processing. Their website is user friendly and I have had no issues. The main problem has been the lack of understanding of HDHP's on the doctor's administrative side. Typically, I end up underpaying after an office visit and then receive a bill in the mail once the claim is filed. Oh well, just leaves the money in my pocket longer I guess! "
Commented on 2008-10-27 09:22:16 EST
"Humana inherited my Medicare Advantage policy from the defunct MD Medicare Choice. Thery informed me that all the terms of contract with MD Medicare Choice policy will be enforced. But to the contrary, when I went to a network specialist, they demanded referral by my PCP and also a $35 co-pay. MD Medicare Choice policy allowed me to self-refer to sp[ecialists on network, and the specialst copay was $20. I believe that Humana is going to collect at least hundreds of thousands of dollars in this additional $15 copay, cvontrary to their agreement, and someone should bring a class-action against them!"
Commented on 2008-10-07 13:38:08 EST
"I had an over $20K surgery pre-approved and everything got paid and processed quickly and I was just out my $1K co-pay. The prescription coverage is a little whacky, but luckily I don't take a lot of meds. I think with any insurance company your experience will depend on many factors. I have the national open POS plan paid 100% through my work. I've never had to get a referral and have not had any claim denied (yet). Sadly they are raising our rates and my company is thinking of switching. If so, it would be the 3rd insurance company in the 3 years since I've been here, which shows how messed up healthcare for small businesses is."
Commented on 2008-09-19 09:09:34 EST
"Only twice, to my knowledge, has Humana reimburresed me for a claim within three weeks. THis is out of over eighty actual claim numbers. I generally have to refile claims at least three times. The staff is ubable to give me consistent anwsers to the same questtions I ask. After covering a drug for the previous two years, they have decided no to cover it this year... that means it costs me close to five hundred dollars for a drug that is medically neccasary for me. "
Commented on 2008-09-10 12:19:37 EST
"Humana is a joke.....plain and simple"
Commented on 2008-08-19 15:47:59 EST
"Avoid this company....bad company. Steal from agents. Bad employer."
Commented on 2008-08-12 21:50:26 EST
"I am a healthcare provider and have delt with Humana numerous times. If I can NOT resolve any issues how is a patient that has not been properly trained to collect money supposed to .1st they outsource their customer service through INDIA. Alls these people do is read to you what we already have. If you try to explain -THERE CLUELESS. It is so horriable to deal with these folks across the country.WHY because there clueless and can not give an educated answer. If you get a rep on the phone 10 chances out of 10 you will be transfered multiple times-I have honestly counted i was transfered 8 times---EIGHT TIMES I always ask if this happens to their patients . I would never refer anyone to humana.IF YOU WANT ANSWERS GO TO CIGNA OR AETNA. I have been in the industry to long to know who pays and who "SAVES MONEY" check out the movie by Michael Moore"SICKO" need we say more"
Commented on 2008-08-05 14:07:08 EST
"These are the most uncaring people I have ever dealt with. They routinely deny legitimate claims and when you try to talk to them they just stonewall you. Their customer service people will go to any lengths to save the company money. "
Commented on 2008-08-01 12:48:56 EST
"I put my pregnant wife on the insurance that my company offers. She did have health insurance prior, so there is no lapse in coverage. When we switched her over, we made sure she can still see her OB/GYN. The rep on the phone told her that she wouldn't need the referral. She's almost due and now they're saying that her OB/GYN can't see her without a referral. To top it off, the morons at Humana changed my PCP to some other A** C**K that I didn't ask for. The only thing Humana does right is take people's money."
Commented on 2008-07-23 08:57:45 EST
"With many claims still being rejected by Humana especially the one since January 2007 with my daughter's visit, it came to a point that they rejected a claim from a doctor I visited since last year who was/is in humana's network but humana says "no" while humana's website clearly shows the doctor is in. They are coming up with every possible reason to reject claims. It seems like they just simply rejects anything and make their customers to call in. Then, thet start looking into issues why they rejected. They rejected pretty much every blood tests I had and etc."
Commented on 2008-06-28 19:48:06 EST
"Humana runs a complete racket on policy holders. They refuse to cover bloodwork that is done WITHIN NETWORK. They claim to give discounts for out-of-network providers, but they do not. Majority of the agents that work at the call center try to fake you into thinking that they care about you, but all they care about is bleeding you dry. Not only this, but I recently found out that Humana has found a way to make my deductible renew TWICE A YEAR! If this isn't illegal I don't know what is. I dread calling the call center for anything because I know I'm just going to end up being angry and disgusted. Do yourself a favor--if you are thinking about Humana and have a choice (I do not b/c it is the only plan offered where I work and I am not married), CHOOSE ANOTHER OPTION. Humana will rob you blind; the ex-president herself quit the company because they reward agents who find the best way to screw their loyal clients out of thousands of dollars. "
Commented on 2008-06-25 11:21:33 EST
"Humana is the worst insurance company I have had to deal with!!! My son had surgery, that was pre-approved, and after the fact, was later denied by Humana. They are not concerned with their policy holders, just emphasis on their bottom line. "
Commented on 2008-05-26 18:14:12 EST
"Very easy. My agent is great he works for Humana and call me right back when I have a question."
Commented on 2008-05-23 15:55:54 EST
"I had major surgery at a Major Teaching Hospital in Chicago. I stayed used all Net-Work Providers. The claims were paid according to Plan Benefit Document in a very timely manner. Then, after I got home, a Nurse Case Manager called me to make sure I had everything I need. She was so nice and was very informative abouot the Programs I didn't know I could use, like help with lossing weight or having my own PErsonal Nurse to call. They were great to me. "
Commented on 2008-05-22 13:45:21 EST
"They paid for claiom 1800 and I had to pay 2100 for emergency,shoulder separation.When i called them -they blew me off."
Commented on 2008-04-16 10:39:21 EST
"Humana has twice take more money from my bank account than was authorized (by me). 4 times in the past year I made a payment online, and recieved a verification # only to later hear (from Humana) that no payment was recieved and no record of the verification # exists. Luckily, I have not needed to make a claim -- I feel certain now that such would have proven difficult or impossible with Humana. I have cancelled my account and am looking for a better company."
Commented on 2008-04-08 22:31:21 EST
"I've been insured by Humana for 2 years. Thankfully, I never had a major claim in that time. BUT BE WARNED: The price you see quoted is only good for 12 months. They have raised my rates over 25% per year (from $66 in Jan '06 to $102 Jan '08), and that's even after I moved to a higher deductible plan! It is disgusting and frustrating how these businesses are based on bait and switch pricing, and then DENY DENY DENY all claims. (No wonder we have so many lawyers in America!) Don't buy Humana insurance if you have the choice! But then again, they all seem to play these games."
Commented on 2008-04-03 10:20:02 EST
"OVERPRICED, UNHELPFUL, AND SOMETIMES DOWNRIGHT FRAUDULENT. STAY AWAY FROM HUMANA!!"
Commented on 2008-03-24 13:09:46 EST
"I signed my 75 year old mother up for Humana part D in November. Jan. 12th sent in prescription renewal, called and called got the runaround that they were swamped and never got her prescription. Dr. faxed again and again, finally filled part a month later and now two months later the second 1/2 of the prescription. Their reps claim they will call back, but never do. I will begin looking now for a new plan for next year."
Commented on 2008-03-13 12:23:31 EST
"1. Almost impossible to talk on the phone to a live person 2. Sent in a prescription, no e-mail notifying they received it so I was out on a limb. Did they receive my presciption or not? There was no e-mail saying they received it. How was I to know its status? I called and checked on line which said no claims. However, on the phone a live person said "Yes, it has been received." No e-mails informing me when it will, or was sent, as promised also by live person on phone. 3. Wanted to refill a prescription, informed it was too early. But stopped at that. Last insurance company took the request anyway and sent me the pescription when its time came due, also informed me when it would be sent. Humana told me nothing."
Commented on 2008-02-17 15:04:28 EST
"The customer service is abyssmal. It is nearly impossible to navigate their 1-800 number. Once you have entered your social security number at least 5 times, it hangs up on you. They took 6 months to send me my insurance card, and in teh meantime, they gave me incorrect information so I could not submit my claim. I have been very frustrated with the amount of time I have wasted with them, trying to call them and get my insurance card. It is a complete headache and I would not recommend this to anyone."
Commented on 2008-01-21 13:56:05 EST
"I have an HSA (high deduct) policy and the first claim, which I must pay out-of-pocket, immediately triggered a review. When I called to inquire about the reason for the review, all I was told was that there appears to be some diagnosis that was not disclosed on my application. They refused to tell me what it is and demanded all my records for the past 5 yrs. Until they evaluate my diagnosis and treatment no claims will be paid even if unrelated. To make matters worse the doctor has dragged his feet supplying me with my charts. My beef is that Humana requested no records during the application process and by TN law can put an individual under review anytime during the first 2 yrs. It appears that I have paid over $3000 during this year for a policy that is useless. Probability is they will either rate my policy now and place a rider on my medical condition for a couple of years which is controlled by medication or worse...drop me. If that happens then I will be unable to obtain insurance. Personally, I believe the company has scammed me although it is all within the law. Buyer beware!!"
Commented on 2008-01-06 07:53:56 EST
"The Humana process is unreasonable and very time consuming for authorizations. The customer service rep's are not friendly and wish to take up a lot of your time. Their computer systems are extremely slow and they need to be patient/provider friendly. Humana likes to keep money to themselves by requiring petty medical information that's not pertinent to the patient's needs. Humana doesn't care about the patient but they care about the dollars in their own pocket. "
Commented on 2007-12-26 09:26:29 EST
"They will do anything to deny legitimate claims, even lie to you, customer service is a joke. If you have a choice, stay away from them, far away!"
Commented on 2007-12-07 15:05:23 EST
"Very difficult to reach a real live person for help."
Commented on 2007-11-29 11:25:47 EST
"Humana, like many other large Insurance carriers, gives you the run around! I have been struggling with Humana for four months to get an Out-of-Network claim settled. First, I was told all I have to do is submit the claim form to Humana once I got the bill. Humana claims denied it saying it had to go through APS to get the "proper codes". APS processed it, payed jack sh**, then did nothing more. Three weeks later, I had to call Humana and APS to find out that PAS did not send information to Humana for settling the claim, I of course have to do all of the work! The cost of services was about $5,000, hence why I am going throught he motions to get this settled! Hopwfully before retirement in thrity years, it will get settled!"
Commented on 2007-10-10 11:50:29 EST
"I agree that Humana will use any excuse not to pay claims. I spent all year fulfilling my obligation by paying out to meet my high $2,500.00 deductible. Now that I've reached my deductible, Humana is denying many of my claims. I had surgery a few weeks ago and even though I met my deductible the surgery is going to cost me a fortune because Humana is denying many of the claims. I'm getting nowhere with their customer service so have had to write letters of appeal. Humana is so bad that I am thinking of changing jobs so I can have better health insurance. With all the money I've paid out this year, it's like I don't even have health insurance!"
Commented on 2007-10-01 09:01:58 EST
"Appealed a claim which was denied. After 4 trys, could never talk to a claim representative to clarify the issue"
Commented on 2007-09-28 07:39:04 EST
"Humana is the worst insurance company I've ever had the misfortune of dealing with. They do everything they can to try to make it difficult to use your benefits. It almost seems like they operate just like that insurance company in John Grisham's book "Rainmaker"...deny, deny, deny. I have spent a month trying to get reimbursed for physician's visits for my sons, includuing their prescriptions and my youngest's nebulizer (18 months old and needed a breathing treatment...I had to pay for it myself b/c Humana denied coverage but when you try to reach a person, you can't). After I finally received the checks for the prescriptions they denied wrongfully (still fighting for the nebulizer reimbursement), now they've denied to pay for my husband's prescription. I can not imagine what we would do if we had someone who had serious health problems. If you have any choice in your health insurance, STAY AWAY FROM HUMANA!!!"
Commented on 2007-08-25 16:03:44 EST
"Beware!!!!!!Employers selected this company, Not us.Runaround on everything...will hold up or make up something to make sure claims are denied. Some of the claims personel are rude and untruthful. Write everyone's name you talk to and get reference and Fax numbers.LOTS of luck!!!!"
Commented on 2007-08-08 17:27:32 EST
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