For the past week I have been battling with Humana -- and USD #000 (my district) over insurance. God, what a screw up!
I enrolled in April. For USD #000 each year you have to re-enroll to have continued health coverage. You can do it online and everybody in my building had trouble with the on-line enrollment process. I had to communicate with the district's insurance coordinator five times before I got it -- partly because I was adding Will into the mix for some of the insurance and I was adding dental to my own policy (I had the broken tooth and knew how expensive that would be).
So, got enrolled, got back notification I had enrolled.
In USD #000 coverage ends June 30th and new coverage begins July 1.
I saw my new (and hopefully liked) doctor last week of June. Got all the new scripts, except for one that was determined I needed AFTER the blood work came back. They sent that one in the mail -- but doctoring in the new millennium has new techniques and so when I realized I had only a 30 day script, I e-mailed the office to get a 90 day script because Humana gives a month's free if you fill in big numbers. The doctor's office called in to my pharmacy the new script -- and I went to pick it up.
Which is when I discovered I had no insurance coverage, according to Walgreen’s. To be honest, I was initially ticked at Walgreen’s. Of course, I had coverage. But after the second visit, when I was inside (not the pick-window) and they called Humana, I heard Humana announce that my coverage had been terminated.
Not -- non-renewed -- T E R M I N A T E D!!!!!!
I flew home and called USD #000. All I could think was that I had somehow flubbed the enrollment process and . . . but no. USD #000 confirmed I had medical, dental, vision, and life insurance. So, I said to USD #000 -- what's the deal? They suggested I call Humana and on their part, they would look into the situation.
Oh, lord. Humana is the company from hell. It's this huge stone wall one can't get through. It took me forever to figure out how to get a real live person on the phone. I logged into the web site, using my password, and was immediately notified that I had "NO ACTIVE COVERAGE." When I finally got a person on the phone, I got disconnected. Eventually I got another live person and was told, "No, you have no coverage. It was terminated June 30th. So sorry. Can't help you. Goodbye."
So began phone calls and numerous e-mails -- and as I investigated further, I discovered that my doctor's bill of $225 for the last week of June had also been rejected, because -- Humana couldn't verify who my insurance coverage had been with previously (it was Humana, f*ckers, the construction company had Humana and when I changed employment they simply kept my same number and transferred the policy).
Meanwhile I couldn't get the medication. One day goes by. I continually check on line to see if the situation has been rectified. USD #000 notifies me they are checking -- and they provide multiple e-mails to prove they are trying to find out what happened. Two days go by. Three days go by. Etc.
Eventually, USD #000 notifies me that Humana has notified them they had an error loading "some" employees into their system. USD #000 demands a complete audit of the system. Humana discovers that approximately a dozen were load incorrectly and I'm one of the dozen. But now EVERYTHING is fixed and I have full coverage.
Back to Walgreen’s to get medication. Nope, no coverage. Walgreen’s calls Humana and they say they've never heard of me. We call USD #000 and alert them. More folks get involved.
I send more irate e-mails: "This is what's wrong with our health care system in the
More days go by.
Finally, USD #000 notifies me that they think everything is resolved. On-line it now shows me active on the Humana site. Because I had complained in every single e-mail that my doctor's claim has been denied -- I find that it is now paid (big sigh of relief -- who wants their brand new doctor to think they've lied about insurance?). Walgreen's calls to say they have my prescription ready for pick-up.
And this morning, I get the coup de grace -- an e-mail (finally -- this is the ONLY communication I've had with them) from Humana that says, "We understand you have complained about a break in your coverage. We have reviewed your files and we show that you have had coverage from
I thought I would bust a gasket!
In retrospect, USD #000 was wonderful. They were responsive and calm and persistent. They communicated with me daily. I was VERY pleased.
Humana on the other hand is the company from H E L L and if you can avoid ever having their insurance, please do so. Tell everyone! Humana sucks the BIG ONE!
Imagine . . .the nerve of implying that I'm the idiot . . .