I have a severe blood clotting disorder, and I am treated at Duke University Medical Center for it by a nationally acclaimed doctor.
In May I signed up for a Humana Gold Policy. I specifically asked the following questions:
1) When does this policy take effect?
Answer: June 1
2) Does this policy cover Lovenox (a prescribed drug for this clotting disorder)?
Answer: Yes, but it is a specialty drug and has a $60.00 copay.
3) Does this policy cover Benicar HCT (a prescribed drug for hypertension)?
Answer: Yes, but it is a specialty drug and has a $60.00 copay.
I went through all of the other medications that I have, and the representative said that Humana would cover them with either a $10.00 or $30.00 copay, depending on whether they were generic or formulary drugs.
First of all, I had an appointment with my doctor at Duke University (it is a 12-hour drive). I called before I left to make this appointment and asked, and Humana stated that I had coverage and that the insurance card would be sent to me. I now have a bill of nearly $1000.00 from my doctor at Duke for an office visit, because Humana stated my insurance did not start until July 1.
I went to the pharmacy to fill the Lovenox prescription. I have a $3,592.26 copay for this, and I cannot pay that.
I have a copay of over $200.00 for the Benicar HCT.
I had Duke University look into this, and Humana tells them that the medicine is covered. I go back and check, and I still have a copay of over $3500.
I checked with Duke again, and they said that the insurance has a $500.00 copay. So I checked again with the pharmacy, and my copay is still over $3500.00.
Humana is not only lying to me but is also lying to my doctors.
I would urge anybody not to choose Humana for any type of insurance, because they totally lie out loud.
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