My direct experience with Humana Health has been anything but pleasant. Unfortunately for me, Humana is an employer insurance plan. My unpleasant and direct experiences with Humana stem from 2004 and 2010 experiences. In 2004, I had a routine procedure and Humana twice told me over the phone of a lower co-pay than what I was actually charged. Humana then communicated they no record of the calls, and when I communicated my record of the second call, the representative denied she communicated to me the lower co-pay. After a number of exchanges, I finally told Humana the representative and I would have to undergo a polygraph test to get to the bottom of the discrepancy. I then never heard back from Humana. In 2010, I paid out-of-pocket for a claim Humana told me I could get partially reimbursed for. Humana advised where I should file the claim, which department denied my claim because it wasn’t filed with the right department. As again advised by Humana, I re-filed with a second department with a claim form and my receipt. Humana then paid the supplier, whom I had already paid, which was an overpayment. Humana went on to advise I should “contact the provider
for any eligible reimbursement.” Hence, Humana’s advertised guidance in my case has been lies and deception when you need it least.