I am 81 years old and signed up for Humana in December of 2007 through my agent. This is easily remembered because we had a terrible flood here and I lost 100% of everything, including my home, which was swept off its foundation.
The second week of January I received my welcome packet and my Humana drug card. I went to use my card the following week and the pharmacist said my card didn't work. I called my agent, and he called Humana and said they had a glitch but that it was all taken care of. I resubmitted my medications through the pharmacy, but the card still said no good.
My agent again talked with the company, and Humana said, "Oh, the problem is that the start date and ending date are the same," and that it would be fixed by the end of the week. Thank goodness my agent has all the recordings of the conversations.
After my agent talked to them this time, I promptly got a letter that stated that my registration came in too late, so now I can't have insurance at all. Again I gave this to my agent, who was getting really upset with these people, and he called them again.
My agent has called them over 6 times on my behalf, and every time he does, I get a letter stating a different reason that my insurance has been cancelled. The second letter I received said Humana wanted to know what I intended to do with the check that they sent me for the insurance that they paid me. The only thing wrong with this is that I never received a check, and I would like to challenge them to show proof that I got one. Of course I turned this over to my agent again, and he talked to a so-called higher-up.
He was told that the wrong code was placed in the computer and that they would have this cleared up by the end of the week. I just received another letter from Humana, after my agent talked to them, saying that Medicare and Medicaid Services just gave them word that I disenrolled from their plan. This is again a bold-faced lie.
I called them this time, and the lady on the phone said that my application was denied in December because it was filled out wrong. I asked her how you fill an application out wrong when my agent and I did this together on his laptop. She just said, "I don't know."
To date I have the letters saying first that I'm welcomed as a member, then that I'm not a member as of 01/01/08, another letter that says I'm not a member as of 02/01/08, another letter that said they gave my money back, and another that says that Medicare gave them word that I disenrolled.
When I go to my Medicare.gov site, as of today, 05/18/08, Humana is still listed as my Part D drug plan. They will not pay for anything, but they are keeping my money. I'm now on hospice end-of-life care. I'm 81 years old, just spent 6 weeks in the hospital, and came home to die in peace, I hope. I have spent over $2000.00 out of pocket of my friends' money, who are graciously taking care of me at no expense because I only get very little Social Security. Thank you, Lord, for my friend that I have known for almost 50 years.
We still can't afford all this medication, and we don't know which way to turn.
Is there any justice out there for insurance companies that lie, cheat and steal?
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