My son was enrolled in Medicare Parts A, B and D during his transplant in 2004. At the beginning of June we received a letter stating that his Medicare coverage would end on the last day of June. Since Humana was the Medicare insurer for Part D, they should have removed him from the Part D coverage as well. Part D coverage is for prescriptions. This was all new to me, and when they started billing me a premium, I assumed my son had to have Humana so that he could still get his prescriptions, so I paid the monthly premium.
At the beginning of January we called to have his prescriptions refilled, and Medicaid would not cover the cost because they stated he had another insurance, which was Humana Medicare Part D. Medicaid told the pharmacy to run the prescriptions through Humana Medicare Part D, and Medicaid would cover whatever costs were left. So at the last minute we had to have Medicaid do an emergency Humana Medicare override so that we could get the prescriptions, and keep in mind that my son's anti-rejection medications cost $3500 to $5000.00 monthly. At this time my son's transplant coordinator and I started working with Humana to have him disenrolled.
I started calling Humana on January 20, and as of today, March 26, I think I have finally gotten this resolved, but with no help from Humana. I called Humana 9 times and got 9 reference numbers, and each time I was told the same thing: "I will send this report to the disenrollment department and they will contact you within 24-72 hours." At one point they said that I needed to write a signed letter and fax it to the disenrollment department, so I did. I still did not hear back from anyone. By then I had to ask Medicaid to do 2 Medicare overrides, one in February and one in March, so that we could get the prescriptions paid for.
I think Humana has to be the worst insurance company out there. They will continue to take your money and contact you as soon as you are late paying the premium, but no one over there will help you if you want to disenroll. How in the United States of America can we let a company do this? My husband and I both work 40 hours a week, and all I have ever asked from the government is help for my son during and after his kidney transplant to cover those costs.
Over the last few months I have spent hours on the phone with Humana during my work hours. We have another child whose insurance we pay for, and this is how this insurance company treats us. While there are a lot of people who take advantage of the system, I am not one of them, yet they have taken advantage of us. This is a very serious matter that has happened to several citizens, and it needs to be taken care of.
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