Your insurance coverage details are outlined in what is called your 'certificate of coverage'. Surely you can access this from Humana's website. No, it is not available on the web. I called Humana and was told they would not send it to me. Tiffany told my husband that she could look up our plan to reference our certificate, but it would take a couple of days. This was one of many calls where we were told something different each time we called.I have Humana Healthcare from the city I retired from, and I moved to a rural area. I was able to find a doctor on the plan. He is not close to a lab and has permission to send his lab work to the Hospital two miles away, to be tested in their lab. It was catagorized as lab work only. It was a blood test on blood drawn at the doctors office... $15 co-pay and $10.00 lab work. Oh, No!! I was charged an outpatient Hospital deductible of $100.00 By Humana's definition... an Outpatient is treated at the Hospital and confined for a period of less than 23 consecutive hours. When I argued that I was never physically at the Hospital, and therefore did not fit the definition...I was told that 'My Blood, which is a part of me' was there...so I had to pay as an outpatient. My husband needed a stress test and went to a Cardiac Clinic in a Larger City that was In-Network, so we figured we were safe. Wrong! One of the employees that was on the bill, was not In-Network. This place had over a hundred employees. We have Tiffany on tape saying that it is the patient's responsibility to check each and every person, at the facility, who could possibly be involved in your treatment... prior to treatment...even if there are hundreds. It doesn't say that in the certificate either. This company makes it nearly impossible for you to find out what your coverage is, and then changes the wording in the agreement to find a way to deny coverage or get a larger deductible. My husband and I have spent countless hours dealing with this company, on more ridiculous issues than I can relate here. I do have tape and documentation, though...for every claim. We are currently in the appeal process and if The City did not have a contract with Humana, I would not use them. I definitely do not recommend them to anyone and I feel sorry for the Seniors who think Humana's Medicare Plan will help them.

For some reason i have been recieving someone elses mail from humana of kentucky, i even called them and let them know there's no one here by that name or address, they said the only way they can change that is for the person who's name is on that mail is the only one who can authorize that, talk about BS! i've even sent the mail back to them, they still don't get the message, they still send this mail to me, humana refuses to help, what is WRONG with these people? don't they understand english? how can someone use your personal address if they are a member of humana and get away with this? i guess they just like wasting tons of paper for nothing, talk about harassment!

HUMANA HAS BEEN CHARGING ME FOR SOMETHING I NEVER ORDERED, NOR NEEDED.

THIS IS BUT A VERY SMALL PORTION, REPRESENTATIVE OF THE SEVERAL YEARS THAT I HAVE DEALT, UNSUCCESSFULLY, WITH HUMANA...I WOULD SWITCH COMPANIES IN A NANO- SECOND, BUT SADLY, TRAGICALLY, FOR MANY--THEY'RE ALL THE SAME.

(THAT PHYSICIANS HAVE ALLOWED THEMSELVES TO BE "OWNED" AND MANIPULATED BY HMO'S IS A MYSTERY TO ME, )

ALTHOUGH THESE MESSAGES ARE MEANT TO BE CONFIDENTIAL, I JUST COPIED/PASTED THE LATEST USELESS EXCHANGE WITH THIS FRAUDULENT COMPANY.

I HAVE REMOVED IDENTIFYING INFO

****MY ANNOTATIONS******


HELLO,
THE PPO PLAN SHOULD NEVER HAVE BEEN ACTIVE!! I WAS CHARGED FOR SOMETHING THAT I CLEARLY DID NOT WANT OR NEED AND MOST OF ALL, REQUST. YOU FORGOT THE PART ABOUT CREDITING MY ACCOUNT. THIS IS THE THIRD YEAR IN A ROW THAT THIS "REPUTABLE" COMPANY HAS PERPETRATED THIS FRAUD; IT NEEDS TO BE CORRECTED.
THANK YOU,


--Original Message--
From [email protected]
Date Wed 03/23/2011 06:21:11 PM
To [email protected]
Subject RE: RE: Re: Billing [#]

Dear,

Thank you for your recent inquiry submitted through the Humana Message Center.

Your enrollment shows the PPO plan is not active.

If you have further questions, please continue to use the Message Center or call our Customer Care Department at 1-800-457-4708. If you are speech or hearing impaired, call 711.

Thank you,
Pam J.
Web Customer Care Specialist
Humana Insurance Company


--Original Message--
From: [email protected]
Date: 3/21/2011 2:34:51 PM
To: [email protected]
Subject: RE: RE: Re: Billing [#8]

A PARTIAL ANSWER---WAS THE PPO CANCELED ON 01/01/11??? I AM BEING CHARGED FOR THIS. I NEED TO KNOW THAT THE ERRONEOUS CHARGES HAVE BEEN REMOVED.

****** AS IS THEIR CUSTOM, THEY COMPLETELY IGNORED MY QUERY IN THEIR RESPONSE--IN FACT THEY HAVE IGNORED IT FOR THREE YEARS, CHARGING ME FOR SOMETHING I DID NOT WANT--OR NEED*****

--Original Message--
From [email protected]
Date Mon 03/21/2011 06:16:19 PM
To [email protected]
SSubject RE: Re: Billing #]

Dear,

Thank you for your recent inquiry submitted through the Humana Message Center.

Effective 01/01/2011 you are enrolled with Humana Gold Plus H24 (HMO) effective 01/01/2011. No premiums for Humana Gold Plus H248 (HMO).

***********YET, THEY ARE STILL TRYING TO COLLECT***********

********YET, THEY CHARGED ME FOR ANOTHER PLAN, THAT I INFORMED THEM NUMEROUS TIMES, THAT I DID NOT WANT OR NEED*****

You can file an appeal. Humana will accept written appeal from a member or an authorized representative expressing dissatisfaction with Humana’s adverse determination. Mail your written letter of Appeal to the following address:

*****AN APPEAL IS USELESS--I DID THAT AND IT "COULD NOT BE FOUND"******

Humana Insurance Company
ATTN: Grievance & Appeals Manger
P.O. Box 14165
Lexington, KY 40512

Please include a description of your request for the reconsideration of the processing of the claim or desired benefits. You will also need to include your member ID number, group number, patient's name, date of birth and supporting documentation within the letter's content.

If you have further questions, please continue to use the Message Center or call our Customer Care Department at 1-800-457-4708. If you are speech or hearing impaired, call 711.

Rose


--Original Message--
From: [email protected]
Date: 3/18/2011 4:18:21 AM
To: [email protected]
Subject: RE: Re: Billing [#]

3/17/11
THIS IS THE 3RD YEAR IN A ROW THAT HUMANA HAS EXTRACTED MONEY FROM ME THROUGH MANIPULATION AND TRICKERY.
IN NUMEROUS PHONE CONVERSATIONS, FOR THE LAST THREE YEARS, I HAVE REPEATED THAT I HAVE GONE TO AN HMO AND YET HUMANA ERRONEOUSLY CHARGED ME FOR A PPO, DESPITE MY VERBAL--AND WRITTEN--REQUESTS TO CEASE AND DESIST. THESE ARE NOT MINDLESS MISTAKES--THIS IS THEFT--MORE OF WHAT THE COUNTLESS ONLINE COMPLAINTS DESCRIBE.
AND HERE IT IS, YEAR THREE AND IT'S HAPPENING ALL OVER AGAIN.
I WILL BE ADDING MY HUMANA RIP-OFF REPORT TO THESE MANY CONSUMER SITES. YOU CAN FOOL ALL OF THE PEOPLE SOME OF THE TIME...

--Original Message--
From [email protected]
Date Tue 03/01/2011 04:03:25 PM
To [email protected]
Subject Re: Billing [#]

Dear Ms.,

Thank you for your recent inquiry submitted through the Humana Message Center.

This issue has been forwarded to our Enrollment Department for review. If you need to contact us in the future about this issue, you may use Reference #428. You do show active on both plans at this moment, the HMO and the PPO. Please use your HMO ID card for any medical costs.

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 Care Department at 1-800-457-4708.


Alissa F.

Web Customer Service Representative


--Original Message--
From: [email protected]
Date: 2/26/2011 9:09:24 PM
To: [email protected]
Subject: Billing

HELLO,
THE PPO PLAN SHOULD HAVE BEEN CANCELED AS OF 12/31/10-----IN FACT, I NEVER CHOSE IT; SHOULD HAVE BEEN ON THE HMO ALL ALONG.
THANK YOU
RITA KELLEY

The information transmitted is intended only for the person or entity to which it is addressed and may contain CONFIDENTIAL material. If you receive this material/information in error, please contact the sender and delete or destroy the material/information.

The information transmitted is intended only for the person or entity to which it is addressed and may contain CONFIDENTIAL material. If you receive this material/information in error, please contact the sender and delete or destroy the material/information.

The information transmitted is intended only for the person or entity to which it is addressed and may contain CONFIDENTIAL material. If you receive this material/information in error, please contact the sender and delete or destroy the material/information.

Humana sent me a check for monies owed me because they over charged me. When I went to cash it they had cancelled the check and my account was charged $20. Humana refused to give me back the $20 saying that I should have known better than to cash that check.

I'm retired and have Medicare health insurance. I signed up with Humana's "Medicare Advantage" program with the cost being around $79.00 a month. I took the option of having the monthly charge automaticly deducted from my SSI benifits each month, instead of having to send the payments in myself. After six months, Humana informed me that they were unable to collect the $79.00 a month from SSI and that I owed them over $700.00 in back payments. I asked why did they wait six months to tell me, why didn't they tell me the first month they were unable to collect from SSI. I never got a straight answer, never understood why. Also, after having cataract surgery, I later found out that they were not paying what they were supposed to on my claims, not even as much as Medicare alone would have paid. I have not paid the $700.00 and I'm not going to. To *** with them, they try to screw me, I'll screw them right back.