Humana ReviewsInsurance Company Reviews

Humana

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Cost:	1 2 3 4 5
Coverage:	1 2 3 4 5
Service:	1 2 3 4 5
Claims:	1 2 3 4 5

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Humana Ratings

1.5 coverage
1.9 cost
1.3 service
1.3 claims
1.5 overall rating

Based on 114 reviews - 1 is lowest, 5 is highest

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0.0 overall rating
by Michelle Livingston in Irving, TX

Less than ZERO rating

I paid $43 each month for coverage. AT 2 year that is about $1030 that I paid with the agreement that I would receive compensation for dental work done. I had crown work and regular checks in the amount of about $2500. My reimbursement should have been about $400. I have received ZERO dollars. They lost my claim I sent. When I called, they said it didn't matter why, but once a year goes by they will not pay the claim. They lost the claim receipt and refused to pay because they were the reason for time lapsing! I've had 3 representatives promise to monitor my refund, email me on updates, etc. I email them and they will not email me back. This company is SHAM, SHYSTERS. NO ETHICS, NO feeling of RESPONSIBILITY toward customers who keep them in business, who pay their salaries.
0.0 overall rating
by Anonymous

Humana sucks

The new Humana Affordable Care Act coverage is so expensive and I was made to take it. It costs me $150 more each month for nothing extra. I didn't get my ID card and it is 2 months now into the new year. I didn't get my February statement to pay so I paid without it and I still didn't get confirmation after 9 days. Lousy service. I am changing.
0.0 overall rating
by Anonymous

Incompetence of Humana

I have been on the phone trying to get information about my options for another plan for over 8 hours. I am being bounced around like a rag doll. NO ONE has the correct information. This morning alone, I have been on hold for various periods of time for 3 hours. I STILL don't have the information I need. THIS IS THE ABSOLUTE CUSTOMER SERVICE I have ever got. I even wrote to Bruce Broussard, the CEO of Humana. So far, no answer. Maybe by plastering his name all over the Internet, I might actually get somewhere.
2.3 overall rating
by Anonymous

So Frustrated

Husband currently in the donut hole of Medicare so we go through the prescription mail order to save some money. Find out through Costco we can get the meds $100.00 less. Called RightSource December 3, 5, and 8 and still they hadn't processed the order. On December 10, 2014 we decided to go through Costco but find out that RightSource finally sent the meds. Now we have to wait until the meds are in our hands and try to return them and get our money back. We're just thankful we opted to go to another Advantage Plan starting January 1, which won't come soon enough
0.8 overall rating
by Anonymous

So Far, So Bad...

One of the worst that I have ever had. They kept raising premiums and lowering coverages. I specifically called to find out about payment for a vision exam. Was told it was covered for one annual vision examination. I even went to one of their \"preferred providers\" specifically to be sure it would be covered. I ended up paying for all of it.
0.0 overall rating
by K. Woosley

Humana Not Paying Pre-Authorized Coverage

I called Humana in September 2013 to get clear information on taking my kids to the dentist. There was not a dentist for them within 50 miles of Logansport, Indiana, so they gave me authorization numbers for them so they could be presented in the claim. The kids went to the dentist, the authorization numbers were used, but Humana never paid. I just got the full bill for my kids in May 2014. These were just well check visits. Humana is a lousy insurance company. Out of the three years I paid them Bi-weekly for dental coverage this incident was my only claim. What a worthless company! I hope they are brought to justice!
0.0 overall rating
by Anonymous

Disgusted, Dismayed, Distrust

Customer service puts you through 45-90 minutes of BS, then the call drops, or you are told they do not have a record of your cancellation. I cancelled my policy, and three weeks later was billed for it. When I called to solve \"their\" problem, I was put through another series of holds with different people, for about another 45 minutes.
0.8 overall rating
by Anon

One of the Worst Mistakes Ever

Humana is ridiculously bad. I have already had to complain to my state insurance board about their vision plan. Now, I have to do the same thing regarding their dental plan. I chose a costly plan based on the benefit information they provided to ehealthinsurance stating that they cover bridgework with no waiting period. Waiting period? They now claim it isn't even a covered benefit. Period. Nothing on the ehealthinsurance website excludes it, and nothing in the Humana plan documents says that it is excluded. Humana out and out lied about the coverage on the ehealthinsurance web site, and didn't include any information on their own website indicating that bridgework was not covered. According to ehealthinsurance, there is nothing they can do to make Humana honor their obligation. To top it off, I am contractually obligated to pay this ridiculously high premium for no useful coverage at all for a year! I guess I have to honor my legal obligations, but they don't. I am done with Humana. If they turn out to be my only option, I will work with my dentist to see what can be done with no dental insurance. Frankly, if the medical community would make its services affordable, I would do without insurance completely.
0.0 overall rating
by Anonymous

HumanaOneDental = Poor Coverage

The website misleading on benefits. They tell you to review the benefits package carefully. Never received this material. Never received any Certificate of Obligation. Now try and get someone at customer service - common practice is to encourage you to stay on the line because you are a valued customer, after twenty+ minutes the call is suddenly disconnected. You want to wait another 20+ minutes - good luck. One telephone connection, good representative and somewhat helpful, but if you have to justify some shoddy practices you can sense his frustration.
1.0 overall rating
by Dissatisfied Customer

Horrible

The customer service is horrible. If you have not enrolled in Humana yet, please don\'t do it. I was unable to get an appointment, because they have not sent me the ID card for two months. Every time I call Humana, the call is dropped or there is damage to the system. A lot excuses and not solve anything.
1.3 overall rating
by Anonymous

Beware: Coverage Will Not Start When They Claim It Will

*** Prospective Customers Beware!!! They claim insurance will start on the first of the next month if you fill out the application by the 15th. It wont!*** I have only just begun attempting to use Humana and I am already very frustrated with the company. I filled out an application for my family before the Jan 15 deadline. Paying special attention to be positive everything was filled out fully. We have now received a letter saying our dependent info is missing (it was submitted). We are being told that our coverage will now not begin on Feb. 1st, but March 1st. According to the rep, this is a common error on their end. The error was on Humana's fault, yet they are penalizing my family by a month! Not a way to treat a new customer! I had read mixed reviews before signing up, guess I should have kept looking. Now off to talk to my husband and consider seeking a refund from Humana.
0.8 overall rating
by Stifflers Dad

Preventative Plus

Be warned. Do not elect automatic payments for any Humana insurance. Even when the policy has been terminated the deductions will continue. Humana will not refund this money. A. Humana dental covers very little if any of your semi annual routine dental cleaning. B.Humana dental DOES NOT cover periodontal maintenance. PERIOD. C. Ask your dentist if you have periodontal disease before signing up for any dental insurance. D. Humana will not cancel dental insurance upon your request. You must send a letter of appeal to the appeals department in Kentucky first, then wait 60 to 90 days. Once you have waited 60 to 90 days a letter of determination is sent to your address on file to let YOU know the appeal is denied and you must pay the contract in it's entirety. E.Of the $435.00 in premiums I paid for a year of coverage. Humana dental paid out $18.00 towards an ex-ray. My dentist does accept Humana and does file the claim however, it took Humana dental 6 months to pay the initial claim of $18.00. Humana delayed payment to my dentist. During this time I went ahead and paid the claim to stop the threatening letters from the dentist. D. Humana dental knows nothing about the Affordable Care Act. It has no affect on their services. You cannot cancel your dental plan even if you have elected coverage else where. period.
0.8 overall rating
by Anonymous

Humana Dental PPO Rip Off

I have had a lot of different health and dental plans over the years due to frequent relocation, but I have never, ever seen such a lack of professionalism, poor service, incompetence on the phone, tardiness, and outright lying to the customer and the dentist on the phone as in the case of Humana. I have been waiting for cost predetermination for a dental procedure for more than 6 months now. According to my dentist's office, predetermination usually takes about a month with other insurance companies. Humana Dental takes 60 days and then, on the top of that, does not meet its own deadlines. 60 days became more than 6 months and still nothing. How difficult is it to determine a cost of procedure? The worst part is that they keep saying to me and the dentist's office on the phone that they have not received all necessary information for predetermination. The dentist's office gave them all necessary information from the beginning and now keeps resubmitting it; I gave Humana the information on the phone a couple of times. In private, the dental offices disclose that that's what Humana Dental does - delaying the paperwork to get more monthly payments from the subscriber (or customer) before denying their claims.
0.0 overall rating
by Anonymous

Confused Customer Service

When I called to ask about the Affordable Care Act, neither the rep nor her supervisor knew what it was.
0.0 overall rating
by Anonymous

Won\'t Cover Claim

I took out the Humana Dental in March 1, 2013, and had a dental cleaning the same day. My plan assured me I was covered. Whenever my dentist\'s office submits the claim - on a monthly basis, Humana not only won\'t pay, they say they\'ve never received any claim. I have verified the correct address to send claims, and they\'ve also told me they REFUSE to send my money back! This company is a total scam - buyer beware.
0.0 overall rating
by Anonymous

Poorly Trained Reps

Having looked at other Humana customer review sites, I realize my experience is par for Humana\'s course. They show disrespect through untrained or poorly trained customer service reps, appeals personnel, rep supervisors...I put up with rudeness, but ultimately will accept the largest number of similar answers from them as being the correct answer. Consensus is the only way I\'ve found to guess at a correct answer, since there is nowhere you can go to learn the truth.
1.3 overall rating
by Anonymous

Continued Charging after Cancellation

I cancelled the service and stopped getting emails a year ago but just discovered I was still getting charged for the insurance.
0.0 overall rating
by Sarah C

Dropped Because Pregnant

We paid out of pocket monthly for my and my daughters health insurance since she was born. She's 13 months old. When Humana found out I am pregnant again, they dropped both of our coverage. Now we have nothing and I cannot get other coverage. Horrible company. Horrible policies. How anyone could deny coverage to a baby, I'll never know.
0.8 overall rating
by Anonymous

Bait and Switch

My claim was denied because dentist was not in-network, but their customer service rep helped me find that dentist!
1.3 overall rating
by Nancy H

Won\'t Return My Money

I had a Humana Health Insuruance policy for 3 years. When it went up $80 more this year to $ 574/month. I switched to a different company for the same high deductible policy at a much lower cost. Humana continued to withdraw the monthly premium and won\'t return the money they took from my personal account.
1.5 overall rating
by Greg S

Cover Nothing, Taken By No One

Almost no one takes their insurance. They cover almost nothing because no one is in network. They paid $14 on a $1,300 bill and $11 for a $90 x-ray/cleaning/check-up. I cancelled and they still try and charge me. The phone number they provided for questions/issues is out of service.
0.8 overall rating
by Brad

Humana Dental HMO = Bait And Switch

This insurance is a scam, total bait-and-hook. I changed dentists per the plan. I went in for an exam. The dentist said I need to have a periodontal exam. My plan says it is free. However, the insurance says it will cost $188, because a periodontist is a specialist. The periodontist ALSO uses the same claim number, but since he is a specialist, the insurance ONLY covers 25%. I called a rep and asked to see the fees for \"specialists\". She said they cannot disclose that information to me, its privileged.
0.8 overall rating
by Anonymous

Getting Humana Dental To Pay Is Like Pulling Teeth!

I went to an in-network dentist who accepts Humana, but Humana told the dentist that I had no insurance. I had a broken tooth so I needed to have it fixed. The dentist office would not file the claim and I had to file it myself. A month and a half later, they are still ignoring the claim!
1.8 overall rating
by Jeff

Misinformed

When my premium went up again, I called my Humanna agent and asked how I could save money. I was told that I could switch over to a new plan which was covered under the new healthcare reforms. It had a higher deductible, but would end up saving me 35%. My agent emailed me the application and told me to return it filled out by the end of the month. The application wouldn't have to go through underwriting. When I called back to check on the status of the application, my agent told me that it was in underwriting and that it could take another 14 days for it to get approved. I am upset that I was misinformed!
1.5 overall rating
by Anonymous

Terrible Humana Dental Plan

I got Humana dental to cover things like root canals, crowns... things above routine dental cleanings and x-rays. Most doctors listed do not provide services for anything above general routine dental cleanings and x-rays. Why does Humana say that they provide these types of coverages when they don\'t have doctors in their network that actually provide these services? I called 10+ doctors and was told none of them do root canals or crowns. I called Humana Dental and was told I should call all the doctors on their list until I found one that said they did these things. Humana Dental lures customers in my attractive coverage promises knowing those services will not be provided by the majority of their dentists!
0.8 overall rating
by Anonymous

Very Little Coverage

We pay over $700+/month and they cover very little. I am very disappointed with their service. I am now on a 6 month pre-existing condition clause which is the main reason I needed insurance to begin with!
1.5 overall rating
by Steve D.

Terrible Dental Plan

The Humana Dental plan offers NOTHING and covers NOTHING. Paying cash is a better option!
2.3 overall rating
by Greg

Dental Implants Not Covered

I've been trying to find an in-network oral surgeon and my results have been extremely limited . if you don't like Aspen Dental or Bright Now Dental, then you're out of luck. They don't pay for dental implants either.
1.3 overall rating
by Mary

Incompetent

I needed a supplemental insurance policy to cover the 10% hospital cost my current health insurance doesn't cover. After being assured that all I was getting was a supplemental insurance with no prescription coverage, I signed up with Humana. Instead they proceeded to enroll me in a full coverage policy. About 3 weeks later, I found out that my husband and I were losing our primary insurance because of Humana's mistake. A supervisor said there was nothing they could do. They messed up our insurance and we are the ones burdened with trying to fix it.
1.3 overall rating
by Anonymous

Missing Prescriptions

The doctor faxed 2 prescriptions. They were recorded in their system the next day. I have not received them yet. I have made 3 phone calls to them and they assured me I would get them overnight at there cost... still nothing. Their website says they were processed. If I could change drug companies now, I would do it in a heart beat.
1.5 overall rating
by Anonymous

Meds Could Cost Me $371 or $999

I called Humana to find the cost of a drug and also to compare their cost for alternative drugs to treat my condition. My doctor has recommended that I may use the drug which is cheapest. My experience with Humana is that they never give a consistent response so I call multiple times to make sure that the response is consistent. That way I could be sure that the price quoted is correct. Each time I call, I get a different price ranging from $999 to $371/year for one drug I asked about.
1.0 overall rating
by Steve

Poor Dental Insurance

Inconsiderate and uninterested customer service. Gave me hassle about cancelling and told me it would take twenty days do send the paperwork. Meanwhile, they fully intend to charge.
1.0 overall rating
by Anonymous

Cancelled

I have had too many poor experiences with Humana, so I cancelled and was able to talk the rep into waving the $35 cancellation fee.
0.8 overall rating
by Anonymous

Poor Customer Service

I think that they outsource all of their customer service and none of them are educated on services provided. I called in over eight times and never got my pre-authorization that I needed to start treatment!!
0.8 overall rating
by Anonymous

Humana Medicare

I was interested in purchasing insurance from Human, so I called and request that a medicare guide be sent to me. I never received one. It seems as though they weren't interested in my business.
1.0 overall rating
by Bob C.

Denied

It took them over a month to tell me that I was denied coverage. After spending two hours on the phone and then receiving a request for doctor's records, I got an envelope saying "you might already know you're denied".
1.5 overall rating
by Anonymous

Dental Program Issues

They are supposed to cover certain things the first year and you are supposed to have immediate coverage, but they do not and obviously you are not. I paid the premium each month via automatic withdrawal. I had upper dentures done in the third month I was on Humana's coverage. On month five I receive a letter from Humana stating that in two days my insurance would be canceled because they had a problem with my debit card. By the time I found out what the problem was (the date on the card had expired, but was immediately issued a new date), it was too late do anything about my dental insurance being canceled. They stated very clearly in the letter that I was being canceled, but they are still billing me. Also, they were supposed to pay for some of the dental work I had done which cost me out of pocket so far $1,453, plus the $280 I paid Humana in premiums so far. All they have paid the dentist is $67. Now the dentist is billing me for the balance that Humana was supposed to pay.
1.3 overall rating
by Anonymous

Terrible Customer Service

Where I live, there is only one dentist on the plan. I was satisfied with his service, but after having treatment last month I found that they had cancelled my policy without giving any notification to me or the dentist. Customer service said my credit card monthly payment was denied. The credit card company said they did not deny any direct payments to Humana and I have great credit. They just told me that i had to reenroll and now I have a large bill from my dentist.
1.3 overall rating
by Caren

can't Cancel

I applied for some dental insurance for my kids. They set us up on auto-pay schedule without my consent and because it is a contract they REFUSE to allow us to cancel.
1.3 overall rating
by Anonymous

No Customer Service

I signed up for a Humana short-term medical policy during a job transition. We negotiated the policy over the phone. I did not have a physical policy for two to three weeks from the date of negotiation. When I received the policy, the coverage was one day off from the dates that I had requested. This would leave my family without coverage for that day. I went through the proper customer service call center and was told that I would have to cancel my current policy and establish another policy with the correct dates. This "process" not only would have been extra work and probably extra cost, but would have resulted in my family not being covered for two days. I indicated that this was unreasonable and asked for Humana to pull the call recording to see if it was my mistake or their mistake. I was told by the representative that someone would be in touch with me in 24 to 48 hours. It is now 9 days since the call and I have heard nothing. Customer service reps cannot tell me anything except that the request is "in process". I tried to call Humana's corporate headquarters to hopefully find someone who could expedite my request, but I was told that their corporate switchboard could not forward customer complaints to corporate staff.
0.8 overall rating
by Anonymous

No Customer Service

I just want the policy that we are paying extra for cancelled and all my money back and for them to stop deducting from my checking account.
0.8 overall rating
by V. Dickerson

won't Pay More Than $20 Per Visit

When I took out insurance 2 years ago, I expressly asked about for for the replacment of my 20 year old bridge. I was told that I would get a 28% discount. They did not say you will have to get your in-network DDS to give you the discount which is what I am being told now, and to add insult to injury... $6,000 in costs later, my in-network PPO is listed in their directory, but at a different address, so he is viewed as out-of-network. As for preventive maintenance, I have yet to see them pay over $20 on any visit. Big help.
0.8 overall rating
by Corey

Premiums Doubled, CANNOT Cancel

I have been trying to cancel my dental insurance with Humana One for months now due to the fact that my premiums doubled without warning. It is impossible to cancel. I have called, sent messages from their website, and sent messages from my personal email account without any resolution whatsoever. Each time I follow the steps they give me which includes sending an email with my name, account info, and request to cancel. Each time I send the message and confirm while on the phone that a service representative received it. However my account still gets the payment drafted from it. When I call to ask why this happen they show no records of my account ever being canceled. It has been an endless cycle. I am ashamed that I stuck by this company for the last 5 years and will seek legal action if this nonsense continues.
0.8 overall rating
by Anonymous

Misrepresent Costs

I have the HI215 Plan and called them prior to joining up. I was VERY direct about how much it would cost me for caps and crowns because I knew I needed several. I was told by my responsibility that it would be $410. Once I got to the dentist, I found out indeed I was being charged $410 per cap PLUS a $315 "lab fee" per tooth!
0.8 overall rating
by Carol D.

Terrible Dental Insurance

This dental policy sounded good on the surface, but when you see a dentist they start adding charges that are really silly driving up the price. When I realized that I could get a much better price by negotiating with the dentist than continuing to pay for this "insurance " I tried to cancel it. I started at 8:30 AM. 7 phone calls later NOBODY can ,or will, tell me how to cancel. It's now 1:45 wish me luck... This is the WORST customer service I have ever experienced.
0.8 overall rating
by Anonymous

Provider's POV

Working at a clinic I can tell you that Human is the worst insurance for patients and providers. They weasel out of coverage continually and they deny claims for even the most uniquitous conditions, treatments, and medications.
1.0 overall rating
by Anonymous

Locked Into A Year Contract!

They have terrible customer service and lie about the coverage. The lock you into a year contract without your signing anything and then don't cover what they say they will cover.
1.0 overall rating
by Jenny

No Coverage

The quality of their service has been horrible. They deny all claims and have multiple excuses for it. When you submit what they ask for, they ask for something else, and deny your claim again. I have been chasing them to pay $1300 that they owe me.
0.8 overall rating
by Anonymous

Provider's POV

As a provider I can reliably say that their customer service is horrible. EVERY claim is a problem. I spend more time fighting for an $80 cleaning claim than the claim is worth! I believe EVERY negative comment as I have experienced nothing but denials and delays on EVERY claim. Please DO NOT BUY this insurance and make me deal with these horrible people!
0.8 overall rating
by Anonymous

Provider's POV

I work for a dentist and have had nothing, but horrible experiences with their claims department. The customer service reps are under trained and provide inaccurate information. I have yet to have a claim processed the first time it is submitted and I have worked in the Dental field for 10 yrs. I have no idea why anyone would purchase this insurance!!
1.5 overall rating
by Anonymous

Meds Denied

Their prescription plan is a joke. You pay 3/4 of the cost of the drug and they pay a 1/4 of it - no matter if It's generic or name brand. Their formula for figuring out how much your co-pay will be is based on 3 things: the cost of medication, how readily available the medication is, and if It's a medication for 1 specific illness or is it a multi-purpose medication. If it is a multi purpose med, then you will pay less for it. If It's a newer or new medication, your going to be denied this med!
1.3 overall rating
by Anonymous

Cover NOTHING

Humana One C550 Plan is a big rip off. Their on-line documents show crowns and root canals at a certain price and I paid double for both. I even called them prior to my visit and they confirmed again that the prices are what are on the "coverage" document. What should have cost about $700 total ended up costing me about $1,700. Next I went to get a simple cleaning and ended up paying $135. This is what wasnot covered: X-Rays, Sterilization fees, etc.. According to the document on their web-site, I was to pay only a $10.00 co-pay.
1.3 overall rating
by Sara S.

Changes In Coverage

I had been with them for 2 1/2 years and been going to the same dentist for 5 years. When I went to my last dentist appointment, I didn't find out that they were no longer in-network until I got the bill. The change just happened 3 weeks prior to my appointment and so they only paid the out-of-network percentages. I didn't receive any notification from them or my dentist's office. I didn't think I needed to check every time before an appointment to make sure they're still in network, especially since I've been going there for so long. They made me write a letter and mail it to their grievance department to dispute the bill and it took them two months to respond! They of course denied it again.
0.8 overall rating
by Anonymous

Horrible Service

Humana has horrible service, high premiums, and they don't want to pay your bills. They feel they can pick which surgery you need, or don't need.
1.3 overall rating
by Anonymous

Watch Out For The Auto-Renew Check Box

I signed up for Humana for one year and paid by credit card for the full amount. Yesterday I received an email stating "thank you for your payment." It did not state an amount, credit card....nothing. I called up Humana and said that I would not sign a renewal contract. They said they would cancel next month, but I was covered this month! What happens when you sign up is the "auto-renewal" is automatically checked. If you did not notice this box -- or even see this box -- this is what will happen to you. Now if I want to be reimbursed for the full amount, I need to write a letter to the grievance department. Their response can take up to 90 days!
0.8 overall rating
by Anonymous

No Coverage

Humnana One Dental lies to you about coverage. You're hit up with extra hidden fees when you see a dentist. They have NO FIXED COST as they tell you. And they tell you that they have NO HIDDEN FEES. Their costs are not fixed and fees are piled up increasing the out of pocket costs to double even triple the amount they claim is your supposed member costs for dental treatment.
0.8 overall rating
by Anonymous

Cannot Cancel!

Humana dental is a joke! I was told at first I have 30 days to cancel my policy to get 100% of my money back . I canceled my policy after 24 hours and they haven't put the $109.71 back in my account yet! I also sent them about 20 emails to the cancel, but haven't heard anything back. I call them and asked for a supervisor. He told me I have 10 days to cancel it not 30 days, but still I canceled it before even the 10 days. When I told him that, he said there was nothing I could do but to write to this other department.
0.8 overall rating
by Anonymous

Cost Of Prescriptions Is Ridiculous

I have been trying to help my grandmother get things straight with this company. She basically doesn't have insurance! The cost of prescriptions is ridiculous, hardly anything is covered 100% because they don't have all medications needed via mail order. She has only been with them a few months and I've never had so much trouble with any company in my life. They are suppose to help the elderly when in reality they suck them dry.
0.8 overall rating
by Anonymous

Cancelled By Still Paying

Humana One Dental is the worst insurance I have ever had. I tried to cancel the policy, but was continually charged even after I was told charges would stop. Customer service was terrible every time I tried to call. It was always at least 20 minutes. Most of that time was trying to navigate the phone system in order to actually get a live person. The hours for phone calls was also ridiculous.
0.8 overall rating
by Anonymous

False Information Given By Reps

One of my worst customer service experiences... I was given false information during the application process. I asked specific questions which I found out today were not accurately answered. I ask them to listen to our "taped" application conversation. They said they were sorry I was given false information, but I signed a contract. I did not! And I never received ANY membership cards either.
0.8 overall rating
by Diane

Promise A Lot, Deliver Nothing

This is the most ridiculous dental insurance I have ever had to deal with. I purchased an individual plan and now am locked in for one year.Thank goodness I have one more payment left. They will promise you the world and then they deliver denials on just about everything except exams and cleanings. Then they even deny the first fifty dollars due to annual deductible.
1.0 overall rating
by Anonymous

Messed Up Prescriptions

don't choose Humana for your prescriptions. Humana messed up our 2012 RX and we are out $$ because of it. They don't either want to or know how to get us our money.
1.5 overall rating
by Anonymous

can't Break 1 Year Contract

Even my doctors says worst one. I wanted to cancel my policy and they are saying that I have a 1 year contract which I can't break! What the hell?
1.0 overall rating
by Mason

won't Pay For In-Network Doctor

They guide you to a covered provider, deny the claim, then tell you that you didn't verify that the provider was in-network. All along the provider is STILL listed on their website as covered. Then they manipulate the facts so they still won't pay. Even the customer service rep is on record telling me that they were wrong, however the claims department still rejected my appeal.
0.8 overall rating
by Voneta

No Discounts Given

The only reason a person would get Humana dental insurance is to knock off some of the unjustifiable costs of dental work! The policy says there's NO WAIT for emergencies such as root canals and that the PPOs will give a 30% discounts on such procedures! We get to the dentist to find out that It's up to the dentist to give you that discount and NONE of them do, so it costs the same if I had NO insurance to get my root canal. The $35 application fee is NON-REFUNDABLE.
0.8 overall rating
by Anonymous

Waste Of Money

A total waste of money! I paid my deductible, used their hospitals and their doctors and they denied the claim. Every customer service rep told me that there is nothing I can do. One even told me the only other option I have other then paying, it is to contact my attorney.
0.8 overall rating
by Anonymous

Provider's POV

Humana Dental has been extremely difficult to work with from a providers standpoint. We have problems with every claim submitted and when you call customer service, all the agents are very pleasant, but rarely do what they say they will do. I DO NOT recommend any patients looking for dental insurance to purchase Humana!!
0.8 overall rating
by W. Brown

Poor Customer Service

The company has many unprofessional reps. They are rude. you will spend hours waiting on the phone and get hung up on.
2.3 overall rating
by Anonymous

Great Pharmacy Service

I have had great services with Humana. Their pharmacy costomer service is great. They will take the time to look and see if there are coupons online to help off set my cost.
0.8 overall rating
by Anonymous

Can NOT Cancel

I give Humana Dental to thumbs down. I have been trying to cancel my children's policy for months. They do not respond to my complaints via telephone, email, or letter. My complaint is that I started this policy for kids and every time I call they do not want to help me even though my kids are way under 18yrs. So I tried to be added to policy and they refused to do that. So I searched for a better insurance found it within time period of 1st month and they are trying to keep me to a contract of year.
0.8 overall rating
by J. Garte

Do Not Buy Humana One Dental Plan

The dentists listed do not give you any discounts. They say It's not covered. I went for a simple filling and it was $225 not the $45 it says on the plan. When I called to cancel the plan, they said I can't cancel so I'm paying for nothing.
1.0 overall rating
by Mike

Not Worth It

Humana had bad coverage and the worst customer service (if you ever get a hold of them). On top of that it is IMPOSSIBLE to cancel. Go somewhere else for dental insurance. Or get a CARE CREDIT CARD and pay full price at 0% interest.
0.8 overall rating
by Anonymous

Slow and Terrible

At the current rate of how my service and treatment is going with my doctor, the hospital, and Humana, Humana will wait until you are dead before approving new and modern medicines that are FDA approved and readily available. Customer service? don't expect much from people who are hired to work behind computer screens and cannot even read or pronounce medical terms accurately. Not to mention that the word "malignancies" is a standard plural noun in the English language, which could not even be pronounced by their customer service representative. Humana's claims processing is SLOW. Humana's customer service is TERRIBLE.
0.8 overall rating
by Anonymous

NO Service

There is no service. Dentists have never heard of them. I'm unable to cancel my policy and they keep charging my CC every month. They do not respond to emails and when you can contact them on the telephone, they keep transferring you to different phone numbers and nameless service reps that will not help.
0.8 overall rating
by Anonymous

Cheaper To Pay Cash

Look at the benefits - limited x-rays, no panoramic, 50% on very limited amount of cavity's with cheapest metal plus co-pay on each cavity. I had the insurance for a year and the basic dental plan cost more than paying cash. Eye insurance cost me total of over $300/year and Humana paid $54 on the cheapest pair of glasses I could get! Cash price of better pair glasses cost only $120, a savings of $180 per year paying cash! I've now had to send 2 letters to cancel. You have to send a letter to them with name, address, member #'s, and reason.
1.5 overall rating
by Anonymous

Complete Incompetence

At the first, I got someone calling me and of course asking me all kind of medical background questions. I made it clear that the policy had to be affordable and allow me to go to GYN. They registered me as a male! After hours trying desperately to get someone to talk to (their stupid recording does not let you talk to anybody unless you spend hours in front of your phone!), they finally agreed that I was a female and therefore allowed to go to the GYN! Now I wanted to add my kids to my plan. No problem they said, fill out the forms and you will have coverage beginning of January for both of your children. Turns out that the person who sent those forms did not know what he was talking. Now I have sent those forms and faxed them 3 times. At each time I was calling for them to let me know if everything was ok, they were giving me another fax number and another person to address the fax to. Finally, today we heard that since the guy that sent the forms did not know what he was talking about, we actually have to send the correct forms by regular mail.
0.8 overall rating
by J. Thompson

Poor Customer Service

I called and researched online to find an in-network dentist. Of course, I got billed because I saw an "out-of-network" dentist. After 5 hours fighting on the phone, they are finally (I hope) going to pay the bill. The operators hardly speak English. They'll hang up on you when they get the chance and worst of all, they give you different reasons why they won't pay.
1.3 overall rating
by Anonymous

Charged For Paper Bill

Humana One wants to charge $10 PER MONTH just for the privialge of a paper bill. This is ridiculous. I am a contractor and I never know when I will receive a check, so I can not do their direct draft option (no charge).
0.8 overall rating
by K. Stout

No Dentist Will Take Humana One Family Dental!

I signed up for Humana One Family Dental and then tried to make an appointment for a cleaning and assessment... Dentists in my area turned me away because "Humana doesn't pay very well". Everywhere I called, I got the same answer. I tried to cancel my membership and never could get through. When I finally was able to get through, I was denied cancellation and refund because I was two days over the ten day cancellation period.
1.3 overall rating
by Anonymous

Little Coverage

My dentist told me that my dental insurance with Humana is a waste of money. It only covers certain procedures, such as cleaning and some fillings. It doesn't cover the majority of things people go to dentists for, so don't waste your money.
3.5 overall rating
by Anonymous

Happy with Service

My husband and I have both had Humana insurance for the last 4 years. we have been extremely happy with their service, they're process in paying bills, etc. we've both had MRI's, CT scans, and numerous other procedures and surgeries and have NEVER had a complaint. And we have the best agent we could possibly have.
1.3 overall rating
by Anonymous

Poor Customer Service

If you want to be routed to 10 different 800 numbers and sit on the phone for hours on end, then this is the plan for you. Also, their plans hardly cover anything!! They don't want to help but are quick to extract your monthly payments!!
1.3 overall rating
by Anonymous

Dropped My Coverage

I have Humana Gold Plus Medicare insurance with the vision and dental supplements. When I received my card for next year, I noted that dental was not listed, so I called Humana to enroll in a dental plan. After three hours of being cut off twice and jerked around by a robot who did not understand me, I was finally directed to a human being who enrolled me in the one plan available.
1.3 overall rating
by Anonymous

Denied Claims

As a self employed person, I have paid for my own insurance for years. An unending denial of claims across all of our family members requiring constant appeals.... It seems our premium payments were used for nothing but to fund a large department which looked for any reason to deny coverage.
0.8 overall rating
by Anonymous

Canceled But Paying

I purchased Humana health and dental insurance for my daughter who is in graduate school. The policies covered little and had a ridiculously high deductible, but I felt she needed to have something until she was able to go back on my husband's insurance. I cancelled the policy shortly after that and didn't realize until October that they were continuing to take out funds for the dental policy. When I called to have it cancelled they were very rude and insisted that my daughter had to cancel the policy. She called and was then told it would have to cancelled via e-mail and was then given an invalid e-mail. I called back and they "couldn't find the policy" and wouldn't give me the proper e-mail and were very rude. I ended up paying $15 to have my back stop the auto-withdrawal from my account.
1.0 overall rating
by Anonymous

Cover Nothing

HumanaOne Dental Insurance is not one you want to contact with. Once you sign up, It's for a year regardless of the service you get from the Dentist Coast Dental in Ocala. Out of $2,400 in bills, HumanaOne only paid $20. The last time I went to Coast Dental they wanted to charge me $175 and HumanaOne would only pay a $10 office visit. I was told all future visits would also be $175.
0.8 overall rating
by Fors

No Close By Providers

I bought dental insurance. They sent me to a dentist who is very far away. The dentist doesn't take kids under 10 and of course mine are both are under 10!
1.3 overall rating
by Anonymous

Denied Claim

They denied our clam. When we asked why, they gave a different reason every time. The reason was never the same. Their final answer was, since my wife had a wisdom tooth removed, they will not cover most services. They knew the tooth was gone when they approved the procedure. They later denied the claim.
0.8 overall rating
by Anonymous

Poor Coverage, Poor Dentists

I was told there was only ONE dental office within 35 miles of my house. The office had 10 dentists, but only a few were "in the plan". During my first visit I was told "YOU will NEVER get the FREE cleaning and exam. You need to see our specialist who comes in once a month". I was treated like a second class citizen.
1.5 overall rating
by Anonymous

From Satisfied To not

At first, their HMO, at no extra cost seemed great. They were covering a prescription drug, then suddenly quit and the reason was that is wasn't covered - ever. Suddenly, I had to pay full cost for it. They have been denying claims. Thankfully, they reviewed those claims and covered them, but you really have to keep an eye on them and educate yourself from experience with them. Representatives that I have spoken to are hard to understand (some) and don't seem like they are people oriented or educated.
0.8 overall rating
by Anonymous

The Appendix Has Nothing To Do With Fertility

My wife was having bad cramps, so she went through the whole process of doctors, MD, OB/GYN, and finally a specialist. Of course we were paying all along the way for tests, co pays, etc. Finally, they discovered that her pain was from scar tissue that had formed when she had her appendix removed years ago, so surgery was scheduled to remove the tissue and everything when well. After it was all over, Humana classified the surgery as fertility treatment and that means that they do not have to pay anything. I called and their justification was what the surgery could possibly improve her chance of getting pregnant. This means that we are out $10,000 and the price of our worth less insurance.
1.0 overall rating
by Gregg

Poor Customer Service

Their customer service is terrible - between their system hanging up on me, a rep hanging up on me, and a majority of the reps being foreign, I can't understand half of what they say.
1.0 overall rating
by Anonymous

Will Not Cover Surgery

They denied my surgery. I have waited 6 months for knee surgery and for tissue for my knee. I finally get a match and it was denied. I can't walk on this leg without lots of pain. I have already had one surgery. They are irresponsible.
1.0 overall rating
by Anonymous

can't Cancel

I tried to cancel my policy after realizing they only offered one provider and then realizing that provider was awful. I was told I had to email my cancellation to some obscure email address. I did. My account continued to be drafted every month. I called again and was then informed that I was not allowed to cancel my policy for a year, which is outrageous. I had already had the policy for two years and could certainly cancel my policy at that time. Then the customer service woman informed me that I could not do a single thing about it except mail a letter to Kentucky.
1.0 overall rating
by Anonymous

can't Cancel

The coverage is very bad, so you end up paying a lot in out of the pocket expenses. I called to cancel my policy, but they didn't. They kept tapping into my checking account until they stole $365 and caused me overdraft fees. I assumed that they had canceled my policy.
1.3 overall rating
by Anonymous

Difficulties Canceling

I contacted Humana by phone to cancel my husband's insurance with them because I had added him onto my work insurance and actually had not used them for nearly a year. I had to waited until November to cancel during their period for cancellation. The lady on the phone told me she would cancel him, but it would take 2-3 months for the payments to stop coming out of his check. I said that was fine if that was what it takes. The deductions did stop in a couple of months, but 6 months later they send me a bill for 6 months premiums. I called them & reminded them of our previous phone call but was told it should have been canceled in writing which we were not told. Now they have turned it over to a collection agency.
1.0 overall rating
by Anonymous

Rate increase

Their price continues to climb while thier benefits continue to drop.
1.8 overall rating
by Anonymous

Overweight

Humana denied coverage not because of any medical reason other then the fact I am overweight.
3.8 overall rating
by L. Koertig

Affordable Smile

I had a dental problem that had been bugging me for as long as I could stand it. Finally, I couldn't take it anymore and I had to break down and invest in some decent insurance. I just couldn't afford the dentistry work any other way. I tried several websites in an effort to get a decent policy, but I came up with nothing. I talked to some colleagues of mine at work and they said they all went with Humana Insurance. So, several months ago I went along with the advice. I thanked my friends for the sound counsel - I got good insurance and good coverage through Humana Insurance. Not only did I get the troublesome teeth repaired, but I know that in the future, if I need any further dental work, I have the right amount of coverage to get the job done. Thanks to Humana, my smile is covered.
1.3 overall rating
by Anonymous

Disorganized

I had no choice but to enroll in an individual health plan. Unfortunately, I chose Humana One. I have been through claims nightmares, customer service BS, and mysterious terminations of policies. ALL errors of Humana One. The claims department billed my visit to an Urgent Care Center incorrectly. When speaking to customer service, I never got one answer, only several scenarios, making me suspicious of fraud.
1.3 overall rating
by Katherine T.

Little Coverage

I am going to pay the $30.00 that they should have paid just so that I don't have to call customer service again.
1.3 overall rating
by Anonymous

Denied Claims

I resigned my position due to medical disabilities. I was given Med Part A & B. When I returned to a different employment, I canceled Part B. I have Part A for life, at no cost to me. Now my insurance is refusing to pay their portion of the bill because I am eligible for Part B. Since I don't want to pay for Part B coverage, they are deducting what Part B would have paid, just because I am eligible. I am being stuck with the portion of Part B just because I am eligible.
0.8 overall rating
by Ryan Y.

Expensive

Expect several insurance riders and rate hikes after the first year.
1.0 overall rating
by Anonymous

Poor coverage and customer service

They cover almost nothing.
0.8 overall rating
by Alan S.

Increasing Costs

Initially they sign you up with a great rate and then they keep raising the premium on you without you knowing it. They tripled my monthly rates and co-pays in just 3 years.
1.5 overall rating
by Nancy

Only 20% Off

They claim you can get certain services for certain prices listed in your benefits, however anything that cannot be completed by a regular dentist, you only get a 20% discount on. Now, here's the rip off part. None of their dentists will do so much as a filling. Instead, they refer you to a "specialist" where you only get a 20% off discount!
1.0 overall rating
by Sam

Canceled But Paying

They give you this little box of information before signing up saying just about everything is covered 100%. Everything looked awesome until you pay your enrollment fee, sign up, print your ID cards, and then go to the dentist. Then you get the "I'm sorry, but everything you're coming in for today is NOT covered"!! Website says things like 100% on X-Rays, 100% on cleanings... What they mean is 100% on the cheapest exams and cleanings. They wouldn't stop charging me after I cancelled, so I had the bank issue me a new card with a different number.
0.8 overall rating
by Anonymous

Difficult To Cancel

I purchased Humana One Dental Insurance because it was inexpensive. Unfortunately, the reason they are able to keep their premiums low is because it is impossible to actually use this insurance at a worthwhile dentist. Two dentists in our area actually were taking new patients on HumanaOne. One never answers the phone and the other has third-world style facilities. When I told them that I wanted to cancel, I was told that the request would be submitted, but that I would have to still pay this month's and next month's premiums.
1.3 overall rating
by Anonymous

No Coverage

They pre-approved me for 50% of the cost of a procedure and now there telling me that what they originally told me was wrong, that they won't cover any amount.
1.3 overall rating
by Anonymous

In network or not??

Their customer service reps are not helpful. They gave me the phone numbers to doctors who they said were in their network. After seeing the doctors, they refused to pay the bill citing that I went to a doctor who was not in their network.
1.0 overall rating
by Anonymous

Pre-Approved, but couldn't Get Surgery

They pre-approve procedures and medications, but then when the doctor office wants proof, they wont provide it. It feels like they were probably never planning on covering it.
1.8 overall rating
by D.Maxwell

Poor Customer Service

Every claim that I submitted was "reviewed" by their claims officer. Phone calls to this companies help desk and to customer services were not useful.
1.5 overall rating
by Anonymous

Slow

I have called Humana over twenty times regarding claims for one doctor. For one appointment, it took Humana a total of eighteen months to reimburse me. I have never been denied a claim to this doctor. I have always been told I would receive a check in the mail, and eighteen months later, I did.
2.8 overall rating
by Anonymous

Excellent Customer Service

I enrolled in Humana for dental insurance. They never gave me any reason to complain. I contacted them to cancel my policy because my spouse has dental insurance through his employer. Humana canceled my plan effective my requested date and refunded me my premium that was taken from my bank account. No questions asked.

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