I needed a series of three hepatitis B vaccines for nursing school. I called my prescription drug insurance to see if it is covered. They told me since it is a vaccine and not a prescription, it would have to be covered by my medical insurance.
I called Humana and asked if this is covered. They told me yes, it is covered. I had to pay upfront and then send them the information, and they would reimburse me. I asked, "Are you sure?" The rep told me, "Yes, I am positive." I then asked to speak to his supervisor. The supervisor also assured me that it is covered.
After the first vaccine, I sent the information to Humana and waited. I received nothing, but they told me it may take a long time to get my money back. After I received the second two shots, Humana denied the claims. They told me the vaccine is considered a prescription and my prescription drug insurance would have to cover it.
I argued back and forth between Humana and my prescription drug insurance for six months. Then I was told by Humana that too much time had passed, so they would not do anything more. I just lost the $300.00.
My prescription drug insurance was never in the wrong. This is 100% Humana's responsibility. They agreed to cover it and then denied it. The only mistake I made was not recording the conversation or getting it in writing, but even that may not have helped. A vaccine is a vaccine. It is NOT a prescription drug.
Humana owes me $300! They are either crooks or incompetent or both.
This is the worst health insurance company I have ever used, and I have used a lot of them (my company changes providers every couple of years). I have to fight with them on at least half of the claims that I submit. My doctor is considering not accepting Humana because they take forever to pay. I have never had a single problem with any of the other insurance companies in the past. I wish my employer had picked a decent company for us. Even if it costs a little more, it would be worth it.
0 comments