My son was enrolled in Medicare part A, B & D during his transplant in 2004. We received a letter at the beginning of June 2007 stating that coverage for Medicare would end the last day of June 2007. However since Humana was the Medicare Insurance for part D, they should have removed him from the part D coverage. The part D coverage is for prescriptions. Since this was all new to me when they started billing me a premium I just assumed that 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 2009 we called in to have his scripts refilled and Medicaid would not cover the cost because they stated that he had another insurance which is Humana Medicare Part D. Medicaid told the pharmacy that they needed to run them through Humana Medicare part D and whatever costs were left the Medicaid would cover that cost. So at the last minute we had to have Medicaid to an emergency Humana Medicare override so that we could get the scripts, and keep in mind that my sons anti-rejection medications are $3500 to $5000.00 monthly. At this time my sons transplant coordinator and myself started working with Humana to have him disenrolled. I started calling Humana on January 20, 2009 as of today March 26, 2009 I think I finally got this resolved but with NO HELP from Humana. I called Humana 9 times and got 9 reference numbers and got 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 letter that was signed and fax it to the disenrollment department so I did. I still did not hear back from anyone. I had to ask Medicaid to do 2 Medicare overrides by this time. One in February and one in March so that we could get the prescriptions paid for.
I think that Humana has got to be the worst Insurance company out there. They will continue to take your money and contact you as soon as you are late on a paying the premiun, but all be damn if anyone 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 are both working citizens that each of us work 40 hours a week all I have ever asked from the government is to help my son during and after his kidney transplant to cover those costs.
Over the last few months I have spents HOURS on the phone to Humana, during my work hours. We have another child that we pay for his insurance and this is how this insurance company treats us. While there is allot of people that 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.