I had humana insurance and had to have a c-section to deliver my baby. Humana said in their contract they will pay if it was life threating. All of the paperwork had been submitted and the claims had still been denied. Their excuse was were do not have the right documentation to process this claim. I went to the doctors office and hospital made copies of the file and over nighted them to their office. Still nothing has come from it. I have filed a complaint with the insurance commission and have also spoken to an attorney. Stay away from humana. They look for every reason not to pay.