Um why are you repeating yourself?
Well I work for a health insurance company (I'm not going to say if it's Humana) and it sounds to me like you have a misunderstanding of how health insurance works. FIrst of all, you are always told that you cannot be guaranteed benefits or amounts until the claim is actually received and processed. Secondly, $500 is not a co-pay amount (it might be a co-insurance amount which is a vastly different thing), but it would be very unusual to have a $500 co-pay for anything.
Really? That's interesting. According to indepedent agency Athena Health, Humana is the fastest payer, has the least claim mistakes, and denies less claims that any other insurer. I suspect you're listening to a lot of heresay.
FIrst of all, you are NEVER guaranteed any benefits by any health insurance company. They can't guarantee anything until the claim is received and processed. If it was written as a prescription and dispensed at a pharmacy, that's a prescription regardless of what the item is. The person above obviously doesn't get it either as independent Athena Health rated Humana as #1 fastest payer, least denials, and highest claim accuracy. BTW, fax is a historically unreliable technology and there's no evidence that it was only Humana not receiving your faxes.
I find your story hardly believeble and that's not a HIPAA violation. He was speaking to you about yourself.. how is a violation?
This sounds like more of a rant than a complaint, but in any event, what insurance company doesn't have class action lawsuits pending against them? Frivolous claims are everywhere.
Anyone who listens to only Christian music needs their head examined in the first place. It isn't Walmart's place to force your religion down people's throats.
Well if you refused to sign it, they should have said "sorry, you won't get service". You have to agree to the contract to sign up and being silly about it is ridiculous.
This is obviously spam and did not come from Google.. you definately shouldn't be responding to it.
Humana is correct about the in-network thing.. that is your responsibility to verify every provider's in-network status.. they aren't going to reimburse the provider above the maximum reimbursement limits because you didn't do your homework.. it probably is in the certificate, but if not it's common sense that PPO and POS plans work that way.
Your account is riddled with half-truths and no-truths.
You, as a member, are always responsible for verifying a provider's network status regardless of what is was 2 weeks ago or an hour ago... plan changes happen all the time. The here-say you heard from a doctor's office about their dealings with Humana are just that - here-say. And no, dentists are the real greedy ones here.. they make more than enough to cover their costs and they don't ask for small increases.. they ask for outlandish ones.. so Humana was probably wise to not renew their contract with your dishonest dentist.
There is nothing unclear about your policy language.. you just don't understand it. Your deductibles, co-pays, and co-insurance is clearly explained to you when you sign up (and if it's not, that is your employer's fault). It is also clearly stated in your coverage certificate and on Humana's website. The amount Humana reimburses is based on your individual plan and that is chosen by your group/employer, not Humana... so be mad at someone else.
Your story is outlandish.. the reason for any denial is clearly stated on your Explanation of Benefits which you can also view on their website and no I don't believe they keep "Hanging up on you". Health insurance companies monitor their calls and if you got hung up on, it would not happen several times as you erroneously claim.
Your account is laughable.. health insurance companies process many, many claims and many, many enrollments each day.. they don't have time or the desire to conspire to hold your money so they don't have to pay your claims.. they just don't have the resources to even do such a thing on a case by case basis.
You are responsible for verifying your doctor's in-network status with your insurance company, NOT the doctor.. doctors lie and doctors have many different plans they work with.. they don't know if your specific plan has them in-network so you have to contact the insurance company.
There was no need to have the front hold your item.. you could have left it in your cart.. some of this amounts to common sense.. it isn't their job to babysit your items.
Umm first of all cats are dumb and secondly, cat chow isn't work acting like an idiot over.
Anyone that pays only $469 and expects a good laptop needs a CAT scan.
Get over it.. being pregnant isn't an excuse for anything.. the world is overpopulated.. you shouldn't be having a child to begin with.
Why would you use Wal-mart pharmacy? Would you go see a doctor at Wal-mart? I mean please.. go to a real pharmacy like Walgreens, not a nickel and dime store like Walmart or Kmart, etc.
Well it makes ZERO sense to be buying prescriptions at Walmart to begn with.. goto a real pharmacy like Walgreens, not a department store pretending to be a pharmacy.
They speak English.. you just want to spout right wing talking points.
IF you can't control your child or your child has a fake disease that is used to excuse bad behavior then please don't take them in public.. nobody wants to listen to your misbehaving child's "Meltdowns" that you refuse to control.
