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  • Report:  #308515

Complaint Review: Humana

Humana Fax Scam rip-off Louisville Kentucky

  • Reported By:
    Silver Springs Florida
  • Submitted:
    Wed, February 13, 2008
  • Updated:
    Sat, August 09, 2008
  • Humana
    500 West Main Street
    Louisville, Kentucky
    U.S.A.
  • Phone:
  • Category:

Last November I started researching prescription drug plans. After speaking with several companies, I chose Humana because it is a well-known company, the premium was reasonable and I was assured that my husband's medication for diabetes would be covered.

I spoke with Mike Leone, Terry Holmes, Ramiro and Jessica, just to name a few, regarding the fact that my husband's prescription was Janumet. I was assured that while the Janumet is not a generic drug, there would be no problem getting it approved by the company's Clinical Pharmacy Review Board. What a laugh!

I enrolled my husband the middle of December and received confirmation via a letter dated December 27, 2007. Later, we received a letter dated January 7, 2008 indicating that because we had not had a drug plan before, there would be a slight penalty each month (only for that year). That was something we could live with.

A letter dated January 10, 2008 was received providing details of his coverage.

Now comes the fun part. We started the process of getting Janumet approved. My husband's doctor faxed the prescription to Humana. On January 9, 2008, I spoke with Brian to set up the information to have the prescription shipped every three months direct from their pharmacy and spoke with Tanieri at Humana regarding the forms to get Janumet approved. Humana faxed back a form to be completed, which the doctor's assistant did on January 9, 2008.

On January 12, I spoke with Deana at Humana to see if the form had been received (no, so the doctors office again faxed the form). On January 14, I spoke with Sandy at Humana to determine whether everything required had been provided. I was informed that the form had not been received. The doctors office again faxed the form.

On January 22, Robert at Humana said the form still had not been received. However, we did receive a one-month supply of the Janumet with the notation that no more would be shipped until the proper form had been received.

The following people and the dates I spoke with them give you an indication of the efforts I have made regarding getting the Janumet approved: Nicole (January 24) (the doctor's office again faxed the form after being told it had not been received); Jeannie and Veronica (January 25); Alisha (January 28); Latosha, Donnie, Esther and Deanna (January 30); Francisco (February 4) who indicated the form had been received and was in the process of being reviewed; Danielle, Evy and Tina (February 6) (when I learned that no the form had still not been received despite being faxed by the doctor's office five times).

I spoke with the doctor's office on January 30 and was told they would again fax the form and then call to make sure it had been received so there could be no further delays.

On February 12, 2008, I called Humana and spoke with Amanda who transferred me to Sue. Sue confirmed that the form had finally been received but the authorization had not come through. I stressed the importance of getting this done since the medication was running out. I indicated that my husband had taken several drugs prior to Janumet and the Janumet was the one that worked. I told them that he really needs the drug. He already suffers from nerve damage in his feet due to uncontrolled diabetes.

Sue put me on hold for quite some time and then came back to tell me that the Janumet had been denied. She said Humana was not convinced that enough other drugs had been tried. I explained that I had been told that there would be no problem getting the Janumet approved and that that was the only reason I had signed up with Humana. She said this was not the first time she had heard that. While Sue was very sympathetic, there was nothing she could do.

Needless to say, I am going to cancel Humana. Since the enrollment period has expired, there is little hope of getting another plan in place this year, though I plan to try.

I think it is terrible that representatives of insurance companies can tell someone something, have them enroll in a plan, and then completely disregard the information previously supplied. A patient's doctor should be the one to make the decision as to medication required. Diabetes is a terrible disease. When a medication is found that can control the disease, there should be no question of it being covered. Everyone knows the damage that can result when it is not controlled. Insurance companies are only in the business for the money. They try to push off old and outdated drugs on the unsuspecting public with little regard for the effects.

Trimoon
Silver Springs, Florida
U.S.A.

10 Updates & Rebuttals


No Name, No Where

Nowheresville,
Kentucky,
U.S.A.

I may not have been clear...

#11Consumer Suggestion

Sat, August 09, 2008

Janumet itself IS in the Humana Formulary as a Non-preferred brand name drug. The problem is that it requires a Prior Authorization to be dispensed. That's where the problem lies, in that the review board didn't have enough information concerning previous treatments and the drug itself to authorize it. I would suggest, in the future, having your doctor contact the review board. you can also have the agent call the company's help lines with you there to dicuss the necessary steps it would take and to check on drug status.

For future reference, most companies do make their formularies available online without joining. In Humana's case, the formulary can be found on the Humana.com website under the heading "Medicare Drug List" in the member's section.

Previous therapy options that are not successful, showing a medical history where Janumet is the most effective and, in some cases, only effective treatment option would result in a Prior Authroization being entered. Always check with the companies before purchasing the plan, however. I handle a lot of these calls daily, and it's a pretty regular to find out the first phone call concerning a problem is the first time a member is made aware of the necessary procedures to get this done. Agents, unfortunately, don't have all the procedural training company employees do get, but remember that buying health insurance is no different than buying a car or house...you always want to ask every question as soon as possible.

If you do have a complaint still, most companies have Grievance and Appeals departments you can contact. These departments report member complaints to the Center for Medicare and Medicaid Services on a regular basis.

Good luck, and God Bless.


Friendly Help

Anderson,
South Carolina,
U.S.A.

Type-2 Diabetes Control

#11Consumer Comment

Sat, August 09, 2008

My wife has Type-2 Diabetes. I manage it, because she did not.

She usually gets 5 to 6 units of Humalog at the start of every meal. At picnics she gets 4 units at the start of her meal.
She gets 24 units of Lantus once a day.
I meter her 2X per day.
Her A1C is always between 5.4 and 5.9, which is good even for a non-diabetic.

Lantus and Humalog should be on any formulary.

Control of diabetes IS possible. Using the very-fast-acting Humalog with the very-slow-acting Lantus provides exact control.

''He already suffers from nerve damage in his feet due to uncontrolled diabetes.'' suggests that it is time to get serious!


Tec59

Jacksonville,
Florida,
U.S.A.

Humana

#11Consumer Suggestion

Sat, August 09, 2008

Hi iI have to say that for me Humana has been great for me since I joined 03/2003,I had a problem with prescription my doctor gave me but Humana would pay for It and It was $350.00 a month so called Humana and they said that It was to new only out for less than 2 months so they would not pay,So I called Walgreen's and they told me that every Ins Co would not yet pay for It so my doctor waited a couple months and then no problem.I'm sorry and feel your pain but this Is not just a problem with Humana .


Nancy

Steilacoom,
Washington,
U.S.A.

not in formulary

#11Consumer Suggestion

Sat, August 09, 2008

Janumet is a combination of Jenuvia and metformin. Metformin IS in most drug formularies but Jenuvia is not. I asked bothe the pharmacy and my diabetic doctor why it is not in the formulary. They both said that 1. there was not enough research, and 2, there ARE other drugs out ther that DO basically the same thing. I think the insurance salesperson has no way of knowing that is in the formulary. I am sure that IF your doctor has gtried everything else, including insulin, and it did not work, and he could prove that janumet did work, then Humana might put it in the formulary. I take metformin, but if I wanted to take jenuvia, I would have to pay for it out of pocket, that is assuming I could even get my doctor ot prescribe it.


No Name, No Where

Nowheresville,
Kentucky,
U.S.A.

I'd like to help...

#11Consumer Suggestion

Sat, August 09, 2008

...But there's really not enoguh information. Had your doctor tried previous medications to help control your diabetes, or did he just come out of the gate prescribing Janumet? See, there are no alternatives for the brand name drug, Janumet. No generics. Nothing. There is, at the current, no drug in the Medicare Formulary that matches it, but that doesn't mean there aren't combinations of drugs.

The most common complaint is that our review board doesn't know better than the doctor/pharmacist who prescribed the drug. The fact is the review boards are made up of medical professionals. If the case was that your husband had not been on any previous drug combos or therapy combos, the review board was denying because they thought there may be a more cost-effective way to control your husband's diabetes, and that this would be beneficial to you and your husband as well.

If your husband had been on other treatments, they may have wanted to see the difference in results.

Normally prior authorizations aren't huge problems because a lot of doctors will try the lowest cost prescriptions and therapies first. A lot of doctors do this in an effort to be certain the company will pay, and to build an effective case for a prior authorization to be entered.

There's really not enough information to give a reason Janumet was not authorized, not that I expect your husband's medical history to get posted for a complaint. It could have been any number of reasons, from doctor error/omission to the review board wanting to see more proof Janumet was the only prescription that worked.

I do hope you've obtained health coverage you're satisfied with, however, and wish you the best of luck.


Becki

Glendale,
Arizona,
U.S.A.

This has nothing to do with "lack of knowledge"

#11UPDATE EX-employee responds

Wed, August 06, 2008

I worked for INhumana for almost a year. This lady has ABSOLUTELY every reason to be upset, and it has NOTHING to do with lack of knowledge. Our Seniors depend on us, to give them CORRECT information, but unfortunately, this company in particular, has no regard for the Consumer, but for what they will pay them! I know first hand, that they have a HORRIBLE turn around rate with emloyees, its at about 60% right now, infact I was in the 1st hiring class that opened up HUmana in AZ. Now to date, out of 36 of us that started that class, there is only 11 of them left. Most of the Supervisors do not have any idea what they are doing, much less know anything about the products being sold, for example, they just started having everyone sell Medicare Supplements and NO ONE in that place has ever sold one, nor do they have any information on them, so we as Agents had to research as much as we could so that we could in turn give CORRECT information to the Prospects, but not many of us researched anything especially not the Supervisors, so needless to say, what ends up happening is we get a caller that needs information that we do not know ourselves, so we go to our Supervisors, who could care less about us, the caller or our licenses for that matter and gives us whatever answer they feel like giving us at the moment, and thats the answer the Consumer gets as well. If anyone happens to end up at the AZ call center when they call in, you're better off, not asking to speak to a Supervisor, because they're the most ignorant ones in there, except for teo of them and their names are Keysha and Kris. They actually have taken the time to research our plans and they have a pretty good knowledge of the products, but if you get anyone else GOOD LUCK! So to wrap this up, this poor lady, unfortunately is just one of many people who get wrong information because all Humana cares about is getting "bodies" in their cubicles, and money in their pockets, how they do it is of no concern to them at ALL!!!


Brian

Louisville,
Kentucky,
U.S.A.

Don't blame the insurance company for your lack of knowledge

#11Consumer Comment

Tue, June 03, 2008

JANUMET is indicated as an adjunct to diet and exercise to improve
glycemic control in adult patients with type 2 diabetes mellitus who are
not adequately controlled on "metformin" or "sitagliptin" alone or in
patients already being treated with the "combination of sitagliptin and
metformin".

Basically the doctor had to show this previous failure of the FDA's recommended previous drug theory over a period of 6 months to approve this medication. Most likely the Doctor got samples from a drug rep pushing this drug and did not follow the proper approved dosing guidelines recommended by the drug research and the FDA dosing guidelines.

http://www.fda.gov/medwatch/SAFETY/2008/Jan_PI/Janumet_PI.pdf


Brian

Louisville,
Kentucky,
U.S.A.

Don't blame the insurance company for your lack of knowledge on medicare

#11Consumer Comment

Tue, June 03, 2008

Under 1860D-13(b) of the Social Security Act and 42 C.F.R. 423.46 and 423.56(g), the
Secretary or his or her designee imposes a late enrollment penalty (LEP) if there is a continuous
period of 63 days or more at any time after the end of the individual's Part D initial enrollment
period during which the individual was eligible to enroll in a Part D plan, but was not enrolled in
a Part D plan and was not covered under any creditable prescription drug coverage.

Please see link for more info on the Late Enrollment Penalty imposed by Medicare and what you should do to appeal the decision. http://mymedicarecommunity.org/attachment.php?attachmentid=50&d=1185890053


David

Seguin,
Texas,
U.S.A.

I feel your pain.

#11Consumer Comment

Tue, April 22, 2008

When I used Humana, I had to fight them on almost every claim. They still owe me $300 for one but will not pay because my company dropped them, even though the claim was complete and they said I will receive a check soon. I would call and the response was "The check is still processing."
As soon as my company dropped them the response was "You are no longer with Humana so we owe you nothing."

I have also gone through the "We did not receive it" scenarios and the "we will not cover that drug because there is a cheaper one" even though the cheaper drug had already been tried and does not work.

Even my doctor said Humana is a bad choice.

I have worked for my company for years and had a different insurance company every 1-2 years. I have never had a problem with any of the others. I do not have a problem with the company I have now.
I am glad to have a good insurance company again. I hope you can find another.


I Am The Law

Cincinnati,
Ohio,
U.S.A.

Here's why.

#11UPDATE Employee

Tue, April 22, 2008

There is a review process, my friend, because doctors have a nasty habit of initially perscribing the most expensive drug or treatment for the sole fact that they get more money by doing that. This rips off Humana, and indirectly, the patients because this causes premiums to go up. Of course Humana is going to want to have you try cheaper stuff first, that's only common sense. If you ran Humana, I can guarantee you would have the same policy in effect. Try to look at it from Humana's perspective and I'm sure you'll agree. Trust me, there is no hidden agenda at Humana. I don't work for companies like that.

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