We were shopping for a major medical carrier this past spring. We selected Humana in large part due to their impressive list of "participating physicians" in our area, which even included our family doctor of 15 years.
We recently had our first interaction with Humana (cancer scare).
Upon calling our physician, we were quickly brought up to speed that he does not work with Humana - "never did." We were then referred to an Oncology/Dermatologist on their "participating physicians" listing, and we found out he did not recognize Humana. Of the 29 "participating specialists" listed by Humana, only two would file claims to Humana. The rest requested cash at the time of service.
I feel this is a strong case of bait and switch marketing. Humana represents a strong legion of participating physicians in their sign-up materials, but in reality they only offer a handful - everyone else is deemed out-of-network.
Please exercise caution when signing up with this outfit. You may wish to call several "participating physicians" on Humana's list and find out if they really are part of the Humana network, or if their names were just glommed out of the local phone book to inflate Humana's numbers.
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