Humana Medicare supplemental insurance has a license to steal! Humana refuses to refund the insurance premiums paid in advance for any subscriber who dies. We have tried for 8 months to get a refund after my mother's death. Humana says it will not prorate a refund of premiums to the date of death.
They say this is their standard policy and that they never refund pro-rated to the date of death. (They even tell you this practice is approved by Medicare.) However, Humana will not show you where in the insurance application, the policy itself, or the accompanying material it ever says that they do not refund prepaid premiums. The Office of Grievances and Appeals has no consumer telephone access. They will ask you for the death certificate, the will/trust, and applications and signatures for all joint beneficiaries/trustees and give you the runaround for months before telling you their "decision": Humana never refunds these premiums.
My mother died on the 16th of the month. They told me she would be charged for the whole month whether she died on the 1st or the 31st. Do the math statistically: they collect a month's premium for every subscriber who dies (those who die early in the month pay up to 30 days; some who die on the last day of the month pay no extra), even though Humana incurs no liability for any of that time. On average, they keep a month's premium for every deceased subscriber after they have died. Save your money. Don't pay for insurance coverage after you die! Don't buy supplementary Medicare insurance or anything else from Humana.
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