I was denied health care insurance coverage by Humana. I went through eHealthInsurance.com as the primary application contact. An extensive medical history review process followed, and I was denied coverage because of a history of pre-existing conditions. I asked to appeal the decision and was told on the phone that I could appeal because I had a right to. I requested an address and fax number to submit my appeal through my doctor, but I was further denied the proper channels to do so. eHealthInsurance would not contact me to answer several repeated requests by email. I contacted eHealthInsurance by phone and was told that the appeal process was denied and that Humana would not let me appeal their decision to deny me coverage. I then told eHealthInsurance that I was being discriminated against, and that Humana just wants to insure "healthy" clients and is committing fraud.
I have never been denied health insurance coverage by any company before, and now, thanks to Humana's selective customer base process, I have to answer "yes" to the question "Have you ever been denied health insurance coverage?" And we all know what that does. It makes our premiums jump sky-high. A self-serving process for some insurance companies, huh? I feel I have been treated unfairly by Humana, and I hope to help someone else by making them aware of this process.
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