Complaint Review: Humana Medicare Supplementary Insurance - Lexington Kentucky

Or you will lose your money.  Humana is OK for those who die on the 30th. If you live till the 1st of next month, your out of luck. Your premium will go into the CEO's bonus fund.

The no-proration policy is correct. This is stated in the member's welcome packet.

If you die on the first of the month you get ripped off. If you die at the end of the month you do not. Humana is discriminatory, and has committed a human rights violation. All should be treated equally. Either rip us off equally, or do not rip us off at all!

Franzg, I'm tired of showing you up here, so I'm just not going to respond to you anymore after this. Enjoy your fantasy world. My final word, though, is that there is no ripoff here. A. The person is dead. B. When the person was living, they signed a legal contract, and one of the clauses stated that there would be no proration of premiums should the member die mid-month. We're not even talking about health care here. It's basic contract law.

Franzg, I'm tired of showing you up here, so I'm just not going to respond to you anymore after this. Enjoy your fantasy world. My final word, though, is that there is no ripoff here. A. The person is dead. B. When the person was living, they signed a legal contract, and one of the clauses stated that there would be no proration of premiums should the member die mid-month. We're not even talking about health care here. It's basic contract law.

Franzg, I'm tired of showing you up here, so I'm just not going to respond to you anymore after this. Enjoy your fantasy world. My final word, though, is that there is no ripoff here. A. The person is dead. B. When the person was living, they signed a legal contract, and one of the clauses stated that there would be no proration of premiums should the member die mid-month. We're not even talking about health care here. It's basic contract law.

Because you agree with ripping off dead people. We have no choice- Humana does not have an "in print" policy we can sign that does not rip ou family off when we die. The in print policy is also discriminatory- It only rips those off who die at the beginning of the month. It does not rip you off if you die at the end of the month. What's with that?

Print. It was signed. The member agreed to it. How is this a scam if you signed your name and agreed to it? Just another in a long line of chumps that don't want to take responsibility for their own lives.

Hostage, Franzg? Hostage was a bad movie starring Bruce Willis. No one is forcing you to have health insurance. I thought you were an advocate for paying medical expenses out of pocket. What happened to that opinion?

Does Humana or managed care offer a "policy" where the excess premiums are not pocketed by the corporation? Of course not- you have said so yourself. Do we have alternatives to Humana and managed care?- Of course not! (unless you are over 65 years old, disabled, or have yearly income less than $1,4000). So our choices are to have no insurance, or to have Humana and managed care rip off our deceased, because one must sign an agreement to be ripped off in order to get health insurance. Managed care makes literally millions with this scam. I think it is irresponsible, and you should be flogged for agreeing with this trend to "fleece the deceased". It is disgusting, and needs to stop.

Does Humana or managed care offer a "policy" where the excess premiums are not pocketed by the corporation? Of course not- you have said so yourself. Do we have alternatives to Humana and managed care?- Of course not! (unless you are over 65 years old, disabled, or have yearly income less than $1,4000). So our choices are to have no insurance, or to have Humana and managed care rip off our deceased, because one must sign an agreement to be ripped off in order to get health insurance. Managed care makes literally millions with this scam. I think it is irresponsible, and you should be flogged for agreeing with this trend to "fleece the deceased". It is disgusting, and needs to stop.

Does Humana or managed care offer a "policy" where the excess premiums are not pocketed by the corporation? Of course not- you have said so yourself. Do we have alternatives to Humana and managed care?- Of course not! (unless you are over 65 years old, disabled, or have yearly income less than $1,4000). So our choices are to have no insurance, or to have Humana and managed care rip off our deceased, because one must sign an agreement to be ripped off in order to get health insurance. Managed care makes literally millions with this scam. I think it is irresponsible, and you should be flogged for agreeing with this trend to "fleece the deceased". It is disgusting, and needs to stop.

It's legal and in print. The member agreed to it with their signature.

The legal and in print policy of Humana to pocket the excess money could go to good use. The family members of this victim could at least get a little closure if they knew their lost premium went to The American Cancer Society or another public health related charity. I think the victim is a little upset by the knowledge their excess premium (legally owned by Humana) is probably going toward a down payment for a Humana manager's new Lexus.

The legal and in print policy of Humana to pocket the excess money could go to good use. The family members of this victim could at least get a little closure if they knew their lost premium went to The American Cancer Society or another public health related charity. I think the victim is a little upset by the knowledge their excess premium (legally owned by Humana) is probably going toward a down payment for a Humana manager's new Lexus.

The legal and in print policy of Humana to pocket the excess money could go to good use. The family members of this victim could at least get a little closure if they knew their lost premium went to The American Cancer Society or another public health related charity. I think the victim is a little upset by the knowledge their excess premium (legally owned by Humana) is probably going toward a down payment for a Humana manager's new Lexus.

Franzg, believe it or not I don't agree with this policy either, but hey, it's legal and in print.

Wasteful, nevertheless. It's always some silly rule or inconvenience that causes this to happen in the managed care world. The uninsured can be helped with the extra dollars sucked up by managed care. This case represents the excess and waste inherent in our current system. The client (American taxpaying consumer) is almost always asked to absorb the waste and excesses of the bureaucratic system of managed care. The American taxpayer is now being asked to keep these publicly traded managed care corporations afloat in the stock market through our 2009 taxpayer funded economic stimulus package ("bailout money" to us regular folks). The bailout money is being used to pay managed care premiums for the uninsured, giving false speculation that managed care companies have "a lot of clients". The excess could be put to good use. I can imagine a managed care manager getting rich from this stuff. I can also imagine the excess being pumped into our fiscally irresponsible Wall Street banking system. I admit Humana is technically "in the right", (see previous post). It still makes me sick.

Sorry for such a late post on this and hopefully you are keeping tabs on this forum. First let me say I'm sorry for your loss. Losing a member of the family is tough enough, but dealing with their financial problems after the fact just compounds the grief. Humana is in the right here. But rather than just tell you that's how it is, I'll go into a little more detail. Franz there will be facts in this post so you might want to shield your eyes... For Medicare plans Humana is paid Per Member Per Month. That's their (CMS) part of the deal. Our part of the deal is to insure that member for that month. In the unfortunate instance the member passes away during that period of time, we are still responsible for the entire month. CMS doesn't have a way to break up reimbursement bi-monthly, weekly, daily, etc. It's all done on a monthly basis. This is why when someone enrolls, their plan doesn't become effective until the first of the following month.

No , I do not protest salad bars. I protest managed care, because it is a joke, and a waste of money. I give managed care my money every single month, and I get a worthless certificate. It is this kind of irresponsibility that has brought on our current economic crisis. Managed care now needs a bailout to stay alive. I'll protest Target if I need to bail them out. Until then, I do not object to their self made policies. If you actually believe that managed care is helping our economy, I think you need to pay more attention to the complaints posted on ripoff report. Many middle class Americans are unable to get adequate coverage or treatment with the current system. We have lost confidence in the large managed care companies, and it is because if their mismanagement of our hard earned dollars. I guess if you lost money to a worthless joke like Humana, someone would accuse you of "whining" as well. Managed care needs to go away.

No , I do not protest salad bars. I protest managed care, because it is a joke, and a waste of money. I give managed care my money every single month, and I get a worthless certificate. It is this kind of irresponsibility that has brought on our current economic crisis. Managed care now needs a bailout to stay alive. I'll protest Target if I need to bail them out. Until then, I do not object to their self made policies. If you actually believe that managed care is helping our economy, I think you need to pay more attention to the complaints posted on ripoff report. Many middle class Americans are unable to get adequate coverage or treatment with the current system. We have lost confidence in the large managed care companies, and it is because if their mismanagement of our hard earned dollars. I guess if you lost money to a worthless joke like Humana, someone would accuse you of "whining" as well. Managed care needs to go away.

No , I do not protest salad bars. I protest managed care, because it is a joke, and a waste of money. I give managed care my money every single month, and I get a worthless certificate. It is this kind of irresponsibility that has brought on our current economic crisis. Managed care now needs a bailout to stay alive. I'll protest Target if I need to bail them out. Until then, I do not object to their self made policies. If you actually believe that managed care is helping our economy, I think you need to pay more attention to the complaints posted on ripoff report. Many middle class Americans are unable to get adequate coverage or treatment with the current system. We have lost confidence in the large managed care companies, and it is because if their mismanagement of our hard earned dollars. I guess if you lost money to a worthless joke like Humana, someone would accuse you of "whining" as well. Managed care needs to go away.

No , I do not protest salad bars. I protest managed care, because it is a joke, and a waste of money. I give managed care my money every single month, and I get a worthless certificate. It is this kind of irresponsibility that has brought on our current economic crisis. Managed care now needs a bailout to stay alive. I'll protest Target if I need to bail them out. Until then, I do not object to their self made policies. If you actually believe that managed care is helping our economy, I think you need to pay more attention to the complaints posted on ripoff report. Many middle class Americans are unable to get adequate coverage or treatment with the current system. We have lost confidence in the large managed care companies, and it is because if their mismanagement of our hard earned dollars. I guess if you lost money to a worthless joke like Humana, someone would accuse you of "whining" as well. Managed care needs to go away.

Taxation without representation, Franzg? I'm not a History major, but I'm pretty sure that those taxes were forced on the colonial Americans. No one is forcing you to sign up with an insurance carrier. Again, if you don't like the terms of the contract, don't sign it. I have to know if you protest other companies policies with such intense fervor. Are you passing out literature in front of Target calling the 90-day return policy "unamerican". Do you lead sit-in's at your local Big Boy restaurant over the price of the salad bar? How about a smear campaign against Walgreen's because you have to find someone to unlock that plastic case so you can buy some Prevacid? Those companies make their own policies, too, and it's their right to do so. In this case, Humana opted to adopt a "no proration of premiums" policy. They informed the member about it, so I don't see what you're problem is with them. If you hate insurance carriers so much, don't do business with them: that's your choice. But, at the same time, don't criticize me because I have a policy with them. In my opinion, Humana is a great company and they've certainly saved me thousands of dollars in medical expenses.

In this case, Humana profited from the death of one of its clients. I agree it was legal. Another victim of the "certificate". Why does Humana need to have this silly rule- why do they need the premium when the covered individual is dead? It is similar to taxation without representation. Sure it is legal. It is also stupid and unnecessary.

I don't understand what's so hard to comprehend here. The document said "no proration of premiums". There is no room for politics or the "it should be this way" speech, Franzg. Contract law applies here, PERIOD. Love it or hate it, that's just the way it is. No laws were broken and no surprises were made. P.S. Certificates do not change without notice.

I guess your impression is that the client is trying to "cash in" by ripping off Humana. In your dreams. Nice try. This client paid premiums and was covered until death. Humana pocketed the remaining premium $ as per written agreement (a silly "certificate" which is subject to change without notice, just like your premiums). Humana obeyed the law. The client did as well. So why the anger and accusations of "cashing in". Because logically, the $ still belongs to the estate of the deceased. But there is a "certificate" that says Humana gets this chunk of the estate. This is dysfunctional and ludicrous. The $ will not go to the deceased funeral expenses or healthcare. It goes into Humana's pocket, just like 31 cents on every dollar spent in healthcare goes to managed care companies. What does Humana do with the money? Is Humana "pro-death"? The policies on our "certificates" seems to indicate this. I say cut out this middleman. It costs too much. We need the $ for our funerals, because we get old outdated meds from managed care.

Ok, here we are again.... people starting controversy just for kicks. People, it is clearly stated in the SIGNED LEGAL contract that there is no proration of premiums. What is so hard to understand here? As far as I'm concerned, this is just a simple case of a greedy family member trying to cash in on a relative's death, even for this small amount of money.

Sure, now we all agree Humana took this person's money as described in the fine print. Maybe one should think twice before signing up with this particular managed care corporation. It is legal. But it really sucks.

Proration of premiums is not allowed according to the legal contract. (Emphasis on the word "legal".) Unfortunately, the member died. Humana is executing the contract according to what the member and Humana agreed to and now a family member is complaining they don't like it. There is no rip off, there is no scam, no laws have been broken. If you don't like the terms, don't sign the agreement. Period.

Proration of premiums is not allowed according to the legal contract. (Emphasis on the word "legal".) Unfortunately, the member died. Humana is executing the contract according to what the member and Humana agreed to and now a family member is complaining they don't like it. There is no rip off, there is no scam, no laws have been broken. If you don't like the terms, don't sign the agreement. Period.

Proration of premiums is not allowed according to the legal contract. (Emphasis on the word "legal".) Unfortunately, the member died. Humana is executing the contract according to what the member and Humana agreed to and now a family member is complaining they don't like it. There is no rip off, there is no scam, no laws have been broken. If you don't like the terms, don't sign the agreement. Period.

Proration of premiums is not allowed according to the legal contract. (Emphasis on the word "legal".) Unfortunately, the member died. Humana is executing the contract according to what the member and Humana agreed to and now a family member is complaining they don't like it. There is no rip off, there is no scam, no laws have been broken. If you don't like the terms, don't sign the agreement. Period.

The original post was submitted by a victim of our insurance companies. The victim is understandably angry. They can't get a refund for a dead relative, because of the insurance company's "standard operating procedure". All hail the fine print! You can't get the money back. The corporation always wins. I disagree that the practice of snatching the premium for the rest of the month is just like renting a storage space or apartment. The rent for these commodities covers the entire month, and one can continue to use these services until the end of the month. Humana will not allow anyone to use the coverage for the remainder of the month, because the covered individual is dead. Insurance companies regularly generate huge amounts of income by legally ripping off their clients in this manner. You can't stop it, unless you drop your health care insurance and pay out of pocket. The anger expressed by the victim is valid. The premium for the rest of the month does not go to health care. Instead, it is used for a down payment for a Mercedes-Benz for a successful Humana manager.

Dontemptf8 Louisville, Kentucky U.S.A. Here is what 'I am the Law said on post number 333247: "Recording someone without their consent is against the law anywhere and never admissable in court unless the recording was conducted by a law enforcement agent. Submit to the facts. You obviously have the internet; look it up." Here is what you just said: "And please...the entire 'as long as one party is aware of the tapping' is ONLY for face to face conversations." Do you see the similarity? You both are either lying or acting dumb in order to look stupid, and you have succeeded at both! The following states allow single party consent recording: Alaska Arkansas Colorado District of Columbia Georgia Hawaii Idaho Indiana Iowa Kansas 'Kentucky Louisiana Maine Minnesota Mississippi Missouri Nebraska Nevada New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia West Virginia Wisconsin Wyoming You obviously have the internet. Look it up.

First and formost the word MEDICARE is mentioned. Secondly, just because you are the daughter does not mean you get the money refunded to you if there is any credit balance of premiums paid in advance. You MUST be court appointed to get this money since the checks of deceased members are sent out as "to the estate of". The death also has to be submitted and approved and reported to CMS (Medicare services) before Humana can term the member as deceased and refund any money due - as in IF the member paid several premiums in advance. And again Medicare is its own monster. Medicare members are NOT prorated when they pass. Call Medicare and review your issues and maybe you will understand. Now Commercial policies have the option to pro rate or not it is what the business (not humana) decides to offer their employees. I have seem companies that have the cut off date the 15th of the month. If the employee dies or is fired on the 14th their company will give a refund. I have also seen companies have the policy that state if you are fired (or die) the coverage will remain in effect until the last day of that month with no pro rating going on. Medicare is the one who tells Humana what the rules and regulations are going to be for MEDICARE members. And please...the entire "as long as one party is aware of the tapping" is ONLY for face to face conversations...there are State and Federal laws to deal with when tapping phone conversations and this includes knowing what state the other person is in when you call 800 numbers.

Well ladies, I've tried valiently to show you the research that I have obtained, but I guess that's a pipe dream at this point since you have refused to send me your e-mail so I can forward you my findings. That's ok. No one likes to be told that they're wrong. As for my social opinions, I'm sorry you don't like them. Just because they may be different from yours doesn't make them wrong. Last time I checked, this was America and the freedom of speech still holds true. Calling me names isn't going to change anything but make you look judgemental and ignorant to the fact that Humana was in the right. Have a good day and submit.

Hi, Guys, I'm sorry. I have tried to stick to the issues related to my original post; but, my reserve is gone. Mr. Law, you will be happy to hear that this will be my last post. Say whatever outrageous, cruel, narcissistic, anti-social stuff you want . . . you'll be talking to the wall. I was about to thank you for your attempt to make a productive contribution to the thread by getting some much-needed documentation (which I have been requesting since Dec., as I said above . . . and which I predict they will send about the time pigs fly.) With your contacts, I thought we might actually get somewhere. (While you are working your contacts, why don't you ask for the direct phone number to the Grievance and Appeals Dept.). Maybe that will help somebody else. However, after reading your posts today on the other Humana threads, I have decided to extract myself from this negativity. My goal here was to warn people about Humana and see if anyone had constructive suggestions. I have no need to listen to your continual spewing of ignorance and hatred. (You think the Bible "supports" you? Please! Try considering the verse: Do unto others as you would have them do unto you. Or: Judge not, lest ye be judged. Please! Spare us the hypocrisy.) To everyone else: The "take-away" (simple rule of thumb) for me is: when you are considering any type of insurance company, before you commit, ask for the direct number for Grievance and Appeals. Then, call the number and ask the representative to explain their process for you. If the company tells you there is no direct number (or, if you get a voice mail calling on two consecutive days), RUN, don't walk, the other way. Also, for those, like me, trying to comprehend why and where all of this disorganized, non-specific rage directed at us was coming from, I googled "psychopathic characteristics" . . . you might find a couple of the characteristics lists quite relevant. Seems the primary 6 or 8 on the various lists would be quite descriptive of behavior we have "seen" here. Mr. Law: I have no idea what your underlying problem is, why you choose to engage in such anti-social behavior; but, I do honestly hope you get some help with your anger issues. Rather than spending your time writing something ugly back, why don't you spend the time seeing about getting some professional help. Your time would be much better spent . . . besides, I won't be back to read the hateful comments anyway. To those who have tried to offer support: my sincere thanks. Take care and best wishes.

'I am not the Law' Response to Andromeda 'What I see in the above post is merely someone typing the names of a few states and a violent misspelling of the word 'baloney'.' There you go again, a classic 'I am the Law' guess. Just guess to make yourself look bad again. You didn't do any research on the Internet, or you would have given the right answer. Where was your head? Will you finally stop lying or acting dumb in order to look stupid! You don't need to continue. You continue to prove it every time you post anywhere. Submit to it. You know I am right.(To use your two favorite phrases). By the way you super violently misspelled the words; enforcment and inadmissable. Try enforcement and inadmissible. 'After much research, I have still found that I am correct' Correct about what? If you need help on using google to find the above list, I will walk you through it. Just say the word. Evidently your 'much' research can't find it. 'recording by non-law enforcment agencies is illegal and inadmissable in court.' I don't believe you. You seem to tell too many 'whoppers' when you post.

What I see in the above post is merely someone typing the names of a few states and a violent misspelling of the word "baloney". After much research, I have still found that I am correct; recording by non-law enforcment agencies is illegal and inadmissable in court. Give me an e-mail and I will send my research to you. So go ahead and record all of your calls to customer service and try to use that as a basis to sue. The judge will just laugh at you and totally dismiss the case. Submit.

Becki, Here is what 'I am the Law told you on post number 333247. '2. Recording someone without their consent is against the law anywhere and never admissable in court unless the recording was conducted by a law enforcement agent. Submit to the facts. You obviously have the internet; look it up.' The following states allow single party consent recording: Alaska Arkansas Colorado District of Columbia Georgia Hawaii Idaho Indiana Iowa Kansas 'Kentucky Louisiana Maine Minnesota Mississippi Missouri Nebraska Nevada New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia West Virginia Wisconsin Wyoming As usual, he pretends to be knowledgeable, but is not, or he doesn't tell the truth. 'Submit to the facts'. Submit to what fact? It wasn't a fact because it was not true. No, not again! This seeming control freak told you to submit! He also told me to submit above! Like anyone is ever going to do that. 'Please comment back as this online argument really makes my day.' You challenged me. Remember? This whole digression was a result of that.

Frankly, I could care less if certain people think that I work for other companies or that I have misrepresented myself in some way. I haven't at all and there is no sense in trying to convince them otherwise. (Where are their heads ? ? ? Who talks like that? ? ?) You can lead a horse to water, etc. etc... Anyway, I have requested a "policy welcome packet" from some people my wife used to work with at Humana to see if premiums are ever prorated. I'll be back in a few days to cite exactly what page this information is on just to put this issue to rest.

Anything you say from now on is suspect. 'I don't understand the 'caught' comment. Why would one fib about where they work on the internet? It's anonymous after all. But, I can't force someone to believe me. Have a super day.' I am having a super day! You were 'caught' by your own words and posting record. You caught yourself. Sure it is anonymous, but 'i am the law' has to look like a super knowledgeable person at several companies at the same time, or he has no credibility to answer posts. You know that very well. Look up 'caught' in the dictionary, with some examples. Where was your head? 'Andromeda, this whole argument has nothing to do with my wife using my log on. You are mad because I am right about companies not prorating premiums.' I have never cared whether you are right or wrong about premiums. Read my posts. The Author cares, not me. Where was your head? In other words, when you proved that you were dishonest, from your own postings, I am suddenly mad about something I have never posted about (premiums)? That makes super good sense. Where was your head? Incidentally, a real man doesn't blame his spouse when he gets caught for his own misdeeds. He would want to protect his spouse. Take it like a real man! Where was your head? 'I am right. You are wrong. Submit.' You are right about what? I am wrong about what? Submit to what? You sound exactly like a dictator. Where was your head? 'If you don't like my opinions on topics, please relocate to a dictatorship where the freedom of speech is not honored. This is America and I can say what I want. If you don't like it, write your congressperson.' Of course this new style 'freedom of speech' doesn't allow dissent, by your own words above. Your are talking like a dictator right now. No one can tell the great 'i am the law' anything dissenting, or he/she should leave the country. Why leave? according to you above, we are already in dictatorship. Please don't ever run for 'Dictatorship' of this country. Where was your head? You have your own 'good day', because nobody else cares!

Andromeda, this whole argument has nothing to do with my wife using my log on. You are mad because I am right about companies not prorating premiums. I am right. You are wrong. Submit. If you don't like my opinions on topics, please relocate to a dictatorship where the freedom of speech is not honored. This is America and I can say what I want. If you don't like it, write your congressperson. Please comment back as this online argument really makes my day.

Andromeda, this whole argument has nothing to do with my wife using my log on. You are mad because I am right about companies not prorating premiums. I am right. You are wrong. Submit. If you don't like my opinions on topics, please relocate to a dictatorship where the freedom of speech is not honored. This is America and I can say what I want. If you don't like it, write your congressperson. Please comment back as this online argument really makes my day.

Andromeda, this whole argument has nothing to do with my wife using my log on. You are mad because I am right about companies not prorating premiums. I am right. You are wrong. Submit. If you don't like my opinions on topics, please relocate to a dictatorship where the freedom of speech is not honored. This is America and I can say what I want. If you don't like it, write your congressperson. Please comment back as this online argument really makes my day.

Andromeda, this whole argument has nothing to do with my wife using my log on. You are mad because I am right about companies not prorating premiums. I am right. You are wrong. Submit. If you don't like my opinions on topics, please relocate to a dictatorship where the freedom of speech is not honored. This is America and I can say what I want. If you don't like it, write your congressperson. Please comment back as this online argument really makes my day.

I don't understand the "caught" comment. Why would one fib about where they work on the internet? It's anonymous after all. But, I can't force someone to believe me. Have a super day.

Hi again, Andromeda, Please excuse my previous post. I see now that I misunderstood your post. Sorry. I do appreciate your comments.

Hi, Andromeda, Thanks for taking the time to read my postings and respond. Seems I didn't express myself very well . . . my apologies. I am the person who submitted the original posting; it is my mother who passed away. You bring up a great point: positive and productive responses would be greatly appreciated. Soliciting constructive ideas and strategies for dealing with the main issue from the wisdom of the group was my original goal (not having to respond to the misfit). Do you have experience with the insurance industry? If you know of resources or have any suggestions, I would really like to hear about them. (As I said above, this isn't about me, my mother or our money. Heaven knows, it wouldn't be worth the time. It's about correcting a system which allows companies to make significant profits collecting premiums from people even after their death.) Again, sorry for the confusion. Grieving Daughter

Nobody believes you anymore. You simply got caught!

Those companies you mentioned...Employee of: 1. Humana 2. Fifth Third Bank Ex-Employee of: 1. Humana 2. U.S. Bank 3. Nutraceuticals My wife worked at those places and has been using my log on. My apologies if that ruined your day. Again, I never worked for Humana. However, I will not apologize for my feelings on this issue. I still say Humana was in the right as few companies prorate premiums.

Well, decide right now whether you are an employee of Humana or not. Other posts by you show you are/were an employee. The only problem is you seem to change it back and forth in the same thread. Your evidently not being truthful or accurate. 'Wow, Grieving Daughter.' All of your posts on this thread are useless and irrelevant to the authors post. Why can't you seem to say anything useful to the author? Where did you get that non-caring attitude from? Was it something that happened a long time ago? 'Wow, Grieving Daughter. I can't believe someone has this much time to search for every single rebuttal I've ever done. Kudos on having nothing to do.' If she has nothing to do but look up your reports, then you had nothing else to do when you wrote them. Just search for 'i am the law', and you will see who has nothing else to do. 'Well, it doesn't matter which category I chose for each report that I've done because I still have all my money in my pocket and you don't. You have a lovely weekend.' Oh, now you think you know how much money everyone has in their estates. How much do I have in my estate big shot. Go ahead and guess again. I will let you know if you give the wrong answer vacuum head

Well, decide right now whether you are an employee of Humana or not. Other posts by you show you are/were an employee. The only problem is you seem to change it back and forth in the same thread. Your evidently not being truthful or accurate. 'Wow, Grieving Daughter.' All of your posts on this thread are useless and irrelevant to the authors post. Why can't you seem to say anything useful to the author? Where did you get that non-caring attitude from? Was it something that happened a long time ago? 'Wow, Grieving Daughter. I can't believe someone has this much time to search for every single rebuttal I've ever done. Kudos on having nothing to do.' If she has nothing to do but look up your reports, then you had nothing else to do when you wrote them. Just search for 'i am the law', and you will see who has nothing else to do. 'Well, it doesn't matter which category I chose for each report that I've done because I still have all my money in my pocket and you don't. You have a lovely weekend.' Oh, now you think you know how much money everyone has in their estates. How much do I have in my estate big shot. Go ahead and guess again. I will let you know if you give the wrong answer vacuum head

Well, decide right now whether you are an employee of Humana or not. Other posts by you show you are/were an employee. The only problem is you seem to change it back and forth in the same thread. Your evidently not being truthful or accurate. 'Wow, Grieving Daughter.' All of your posts on this thread are useless and irrelevant to the authors post. Why can't you seem to say anything useful to the author? Where did you get that non-caring attitude from? Was it something that happened a long time ago? 'Wow, Grieving Daughter. I can't believe someone has this much time to search for every single rebuttal I've ever done. Kudos on having nothing to do.' If she has nothing to do but look up your reports, then you had nothing else to do when you wrote them. Just search for 'i am the law', and you will see who has nothing else to do. 'Well, it doesn't matter which category I chose for each report that I've done because I still have all my money in my pocket and you don't. You have a lovely weekend.' Oh, now you think you know how much money everyone has in their estates. How much do I have in my estate big shot. Go ahead and guess again. I will let you know if you give the wrong answer vacuum head

Well, decide right now whether you are an employee of Humana or not. Other posts by you show you are/were an employee. The only problem is you seem to change it back and forth in the same thread. Your evidently not being truthful or accurate. 'Wow, Grieving Daughter.' All of your posts on this thread are useless and irrelevant to the authors post. Why can't you seem to say anything useful to the author? Where did you get that non-caring attitude from? Was it something that happened a long time ago? 'Wow, Grieving Daughter. I can't believe someone has this much time to search for every single rebuttal I've ever done. Kudos on having nothing to do.' If she has nothing to do but look up your reports, then you had nothing else to do when you wrote them. Just search for 'i am the law', and you will see who has nothing else to do. 'Well, it doesn't matter which category I chose for each report that I've done because I still have all my money in my pocket and you don't. You have a lovely weekend.' Oh, now you think you know how much money everyone has in their estates. How much do I have in my estate big shot. Go ahead and guess again. I will let you know if you give the wrong answer vacuum head

Wow, Grieving Daughter. I can't believe someone has this much time to search for every single rebuttal I've ever done. Kudos on having nothing to do. Well, it doesn't matter which category I chose for each report that I've done because I still have all my money in my pocket and you don't. You have a lovely weekend.

Hi, Becki, Thanks for taking the time to share your input. It is helpful to hear from someone who has actually worked for Humana. Please disregard comments from "I Am the Law." He has thoroughly discredited himself with his own narcissistic, disrespectful remarks, to say nothing of his untruthful "claims" of authority. As you no doubt discovered, he also "accidentally" (his word) claims employee status multiple times in his responses to: "Humana One: scam, refusing to pay . . ." 3/20/08 "Humana Insurance Beware of Inflated . . ." 3/26/08 "Humana Fax Scam rip-off . . ." 4/21/08 Interestingly enough, in some of his other postings, he variously claimed to be an: Employee of: 1. Humana 2. Fifth Third Bank Ex-Employee of: 1. Humana 2. U.S. Bank 3. Nutraceuticals Employee Insider: U.S. Bank Need I say more? What Mr. "Law" doesn't seem to "get" is the fact that RipOff Report readers are much more perceptive than he gives them credit for being. ROR readers have already figured out who is to be believed. When Mr. "Law" claims to have been an employee (and, thereby, authority) though he has no right whatsoever to do so, he tells us all we need to know about how credible he is. [If there are any ROR readers who believe Mr. "Law" when he says he "might have chosen the 'employee' bullet point by accident" that many times, I have (as they say) "a lovely ocean-front property in Arizona" I'd love to sell!!!] In short: consider the source. Meanwhile, look at the bright side . . . remember, some poor soul is married to this guy!

Hi, Becki, Thanks for taking the time to share your input. It is helpful to hear from someone who has actually worked for Humana. Please disregard comments from "I Am the Law." He has thoroughly discredited himself with his own narcissistic, disrespectful remarks, to say nothing of his untruthful "claims" of authority. As you no doubt discovered, he also "accidentally" (his word) claims employee status multiple times in his responses to: "Humana One: scam, refusing to pay . . ." 3/20/08 "Humana Insurance Beware of Inflated . . ." 3/26/08 "Humana Fax Scam rip-off . . ." 4/21/08 Interestingly enough, in some of his other postings, he variously claimed to be an: Employee of: 1. Humana 2. Fifth Third Bank Ex-Employee of: 1. Humana 2. U.S. Bank 3. Nutraceuticals Employee Insider: U.S. Bank Need I say more? What Mr. "Law" doesn't seem to "get" is the fact that RipOff Report readers are much more perceptive than he gives them credit for being. ROR readers have already figured out who is to be believed. When Mr. "Law" claims to have been an employee (and, thereby, authority) though he has no right whatsoever to do so, he tells us all we need to know about how credible he is. [If there are any ROR readers who believe Mr. "Law" when he says he "might have chosen the 'employee' bullet point by accident" that many times, I have (as they say) "a lovely ocean-front property in Arizona" I'd love to sell!!!] In short: consider the source. Meanwhile, look at the bright side . . . remember, some poor soul is married to this guy!

Hi, Becki, Thanks for taking the time to share your input. It is helpful to hear from someone who has actually worked for Humana. Please disregard comments from "I Am the Law." He has thoroughly discredited himself with his own narcissistic, disrespectful remarks, to say nothing of his untruthful "claims" of authority. As you no doubt discovered, he also "accidentally" (his word) claims employee status multiple times in his responses to: "Humana One: scam, refusing to pay . . ." 3/20/08 "Humana Insurance Beware of Inflated . . ." 3/26/08 "Humana Fax Scam rip-off . . ." 4/21/08 Interestingly enough, in some of his other postings, he variously claimed to be an: Employee of: 1. Humana 2. Fifth Third Bank Ex-Employee of: 1. Humana 2. U.S. Bank 3. Nutraceuticals Employee Insider: U.S. Bank Need I say more? What Mr. "Law" doesn't seem to "get" is the fact that RipOff Report readers are much more perceptive than he gives them credit for being. ROR readers have already figured out who is to be believed. When Mr. "Law" claims to have been an employee (and, thereby, authority) though he has no right whatsoever to do so, he tells us all we need to know about how credible he is. [If there are any ROR readers who believe Mr. "Law" when he says he "might have chosen the 'employee' bullet point by accident" that many times, I have (as they say) "a lovely ocean-front property in Arizona" I'd love to sell!!!] In short: consider the source. Meanwhile, look at the bright side . . . remember, some poor soul is married to this guy!

Hi, Becki, Thanks for taking the time to share your input. It is helpful to hear from someone who has actually worked for Humana. Please disregard comments from "I Am the Law." He has thoroughly discredited himself with his own narcissistic, disrespectful remarks, to say nothing of his untruthful "claims" of authority. As you no doubt discovered, he also "accidentally" (his word) claims employee status multiple times in his responses to: "Humana One: scam, refusing to pay . . ." 3/20/08 "Humana Insurance Beware of Inflated . . ." 3/26/08 "Humana Fax Scam rip-off . . ." 4/21/08 Interestingly enough, in some of his other postings, he variously claimed to be an: Employee of: 1. Humana 2. Fifth Third Bank Ex-Employee of: 1. Humana 2. U.S. Bank 3. Nutraceuticals Employee Insider: U.S. Bank Need I say more? What Mr. "Law" doesn't seem to "get" is the fact that RipOff Report readers are much more perceptive than he gives them credit for being. ROR readers have already figured out who is to be believed. When Mr. "Law" claims to have been an employee (and, thereby, authority) though he has no right whatsoever to do so, he tells us all we need to know about how credible he is. [If there are any ROR readers who believe Mr. "Law" when he says he "might have chosen the 'employee' bullet point by accident" that many times, I have (as they say) "a lovely ocean-front property in Arizona" I'd love to sell!!!] In short: consider the source. Meanwhile, look at the bright side . . . remember, some poor soul is married to this guy!

Response to Becki: 1. The fact that I might know what code could possibly be being used on a claim is because myself and my wife have both worked in hospital billing offices for quite a long time. (I might have chosen the "employee" bullet point by accident a few times in prior rebuttals.) Those codes are set forth by the medical community and not insurance carriers. If you did indeed work for Humana as you say, you should know that. Even if I wasn't in the field, anyone could find these codes in print or on the internet. 2. If you must know how old I am, I'm going to be 35 soon. Is that old enough for you? 3. Despite the fact that your father is a lawyer (and probably the kind that gets known pedophiles out of prison), you CAN be sued for what you say. It's called defamation of character, slander, or libel. Assuming your father went to an accredited law school, he should know that. He should also know that if you sign a contract stating that you will pay something, your death doesn't necessarily stop the contract from being executed. 4. Calling me a liar isn't going to stop Humana from collecting what is rightfully theirs. I'm glad this policy concerning their premiums is in effect as I actually do have stock in Humana. So, I guess you could say that part of this person's premium is now indirectly in my wallet. I'm going to Burger King now and spend some of that money on a greasy Whopper and fries. Have a nice day.

Oh now, he's saying that he doesn't work for the Company, but... (cough cough) lol! He seems to know all the billing codes for the other ladies complaint, Gee, how would he know exactly what code to tell her to use, if he didn't work there? If he really doesn't work there any longer, I can definately see why, and this is why he has so much time to sit on his a*s, and insult elderly people! As for the car insurance example he tried to use, obviously he has been fortunate enough to not have been in an accident to where, they would pro-rate his monthly premiums, come to think of it, from how infantile he acts, he probably isn't old enough to work for Humana lololololololol!!!!! But you are absolutely right about the car insurance, because I just did it myself 3 months ago, we took off one of the cars and my monthly premium was $88.00 less! WHAT A MORON THIS PERSON IS!!!!! Get a clue idiot! Quit trying to tell people that they need to watch what they say, because this person or that person can SUE them for that, you're such a moron, did you EVER pay attention in school? Ever heard of the 1st ammendment? FREEDOM OF SPEECH???? Ever heard of it! My Father has been an Attorney for 32 years, you can't sue someone for their opinion, like this lady said, ITS GOOD TO KNOW THE FACTS!!!! My God, this is the first time I have been on here, and I have commented more on your blabbering, than what I actually came here to do, and that was to help these people that have been wronged by this absurd company, because unlike you (supposedly) I did work for them, and they are RIDICULOUS, and I am trying to give these people correct information, so that they dont have to reap the chaos from this company. GET A LIFE! Seriously!

Just did a random search on ROR for other health insurance carriers and how many reports have been filed on them. Here we go... Cigna-20, Blue Cross-37, Aetna-42, Medicare-48. Yet another example of the small fragment of customers that don't bother to read their policy and complain about it on the internet when the policy is executed according to documents that they signed. If you need that particular documentation from Humana, they're not going to give it out to anyone without a subpoena. That is the real reason they won't show you where your mother signed. Come on, there is no hidden agenda here. If you aren't careful, Humana may see this and sue you for libel.

Just did a random search on ROR for other health insurance carriers and how many reports have been filed on them. Here we go... Cigna-20, Blue Cross-37, Aetna-42, Medicare-48. Yet another example of the small fragment of customers that don't bother to read their policy and complain about it on the internet when the policy is executed according to documents that they signed. If you need that particular documentation from Humana, they're not going to give it out to anyone without a subpoena. That is the real reason they won't show you where your mother signed. Come on, there is no hidden agenda here. If you aren't careful, Humana may see this and sue you for libel.

Just did a random search on ROR for other health insurance carriers and how many reports have been filed on them. Here we go... Cigna-20, Blue Cross-37, Aetna-42, Medicare-48. Yet another example of the small fragment of customers that don't bother to read their policy and complain about it on the internet when the policy is executed according to documents that they signed. If you need that particular documentation from Humana, they're not going to give it out to anyone without a subpoena. That is the real reason they won't show you where your mother signed. Come on, there is no hidden agenda here. If you aren't careful, Humana may see this and sue you for libel.

Ok, so you think Humana is "ripping off" thousands of people, yet there are only 21 reports on this website; most of which don't have anything to do with premiums. In fact, one of them is just a guy complaining about his boss's personality and how overweight the secretary is. So that's now just 20 reports versus tens out thousands of members. Sounds pretty good to me, actually. That's roughly like 0.001% unhappy customers? You have to understand that banks, credit agencies, insurance companies, retailers, whoever...... they're always going to have some small fragment of their customer base that doesn't like them. That's just the way it is. Sometimes they have to tell people things they don't want to hear. My response: too bad, you signed the papers. I also noticed that you never mentioned how far ahead the premiums were paid. My guess is just for part of one month. Granted, I could be wrong. I'm suspecting that there are some missing details to this story that would properly explain what's going on. If this was really (cough, cough) going on for eight months, they can't keep any full-month premiums assuming that you actually sent them adequate proof of death documentation during that time. As for my examples in my previous response, you have clearly never lived in an apartment, rented a storage space, or had auto insurance before. That's ok. Those are difficult concepts for some people to understand. And one more thing, no, I don't work for them. I wish I did because it sounds like they're a great company from the material that I've read about them. They clearly have a top notch accounting department because they don't refund things that shouldn't be refunded.

Ok, so you think Humana is "ripping off" thousands of people, yet there are only 21 reports on this website; most of which don't have anything to do with premiums. In fact, one of them is just a guy complaining about his boss's personality and how overweight the secretary is. So that's now just 20 reports versus tens out thousands of members. Sounds pretty good to me, actually. That's roughly like 0.001% unhappy customers? You have to understand that banks, credit agencies, insurance companies, retailers, whoever...... they're always going to have some small fragment of their customer base that doesn't like them. That's just the way it is. Sometimes they have to tell people things they don't want to hear. My response: too bad, you signed the papers. I also noticed that you never mentioned how far ahead the premiums were paid. My guess is just for part of one month. Granted, I could be wrong. I'm suspecting that there are some missing details to this story that would properly explain what's going on. If this was really (cough, cough) going on for eight months, they can't keep any full-month premiums assuming that you actually sent them adequate proof of death documentation during that time. As for my examples in my previous response, you have clearly never lived in an apartment, rented a storage space, or had auto insurance before. That's ok. Those are difficult concepts for some people to understand. And one more thing, no, I don't work for them. I wish I did because it sounds like they're a great company from the material that I've read about them. They clearly have a top notch accounting department because they don't refund things that shouldn't be refunded.

Ok, so you think Humana is "ripping off" thousands of people, yet there are only 21 reports on this website; most of which don't have anything to do with premiums. In fact, one of them is just a guy complaining about his boss's personality and how overweight the secretary is. So that's now just 20 reports versus tens out thousands of members. Sounds pretty good to me, actually. That's roughly like 0.001% unhappy customers? You have to understand that banks, credit agencies, insurance companies, retailers, whoever...... they're always going to have some small fragment of their customer base that doesn't like them. That's just the way it is. Sometimes they have to tell people things they don't want to hear. My response: too bad, you signed the papers. I also noticed that you never mentioned how far ahead the premiums were paid. My guess is just for part of one month. Granted, I could be wrong. I'm suspecting that there are some missing details to this story that would properly explain what's going on. If this was really (cough, cough) going on for eight months, they can't keep any full-month premiums assuming that you actually sent them adequate proof of death documentation during that time. As for my examples in my previous response, you have clearly never lived in an apartment, rented a storage space, or had auto insurance before. That's ok. Those are difficult concepts for some people to understand. And one more thing, no, I don't work for them. I wish I did because it sounds like they're a great company from the material that I've read about them. They clearly have a top notch accounting department because they don't refund things that shouldn't be refunded.

Regarding the comments of "I Am the Law" . . . Mr. "Law", Thank you for responding. Unfortunately, you missed the point. The issue is the fact that Humana makes a significant profit each year by charging its subscribers who have died. Before commenting, you might want to get the facts and think through your argument. First, no other insurance company with whom we dealt retained premiums. I have copies of refund checks from 2 other insurance companies to prove it. Secondly, as was stated in the original post, there is no reference to this company rule in any of the Humana documents, including the documents my mother signed. In fact, Humana even now cannot show me anywhere in their documentation available to the subscriber where it states the fact that they will retain pre-paid premiums even after the death of the subscriber. Thirdly, your "comparisons" are without merit. If you elected to give up your storage unit or to vacate your apartment, you broke a contract. Even though my mother "decided to die halfway through the month," as you so crassly put it, the other insurance companies didn't seem to feel that was a breach of contract. They could recognize that they had no right to charge an insurance premium for a period of time when the insured could not possibly create any liability for them. (In fact, the other companies sent refunds without any request from us.) Lastly, (again, it pays to know your facts) if your car is totaled in the middle of a premium cycle, the unused premium is refunded pro-rated to the date of the accident, because they do not charge you for insurance when they are not providing any "coverage" for a car that is, in essence, dead. It's always good to know the facts. I have a question for you. In two of the previous entries regarding Humana, you responded claiming to be an employee; yet, here you did not identify yourself as such. Which leads all of us following the topic of Humana's business practices to wonder: are you an employee of Humana, or not? The company you claim to represent, and which you portray as faultless, comes up 8 times in a search result of 21 RipOff complaints. Eight times out of 21! Only 2 other companies on the list are even cited more than once, and each of those is mentioned only twice. Doing the math, that would mean Humana (which you deny having any responsibility in any of these situations) has received 4 times as many complaints as the next "most-mentioned" companies. The take-away from that would be: the other RipOff readers are intelligent enough to figure out the truth about Humana. Oh, and thanks again for your comments to my post and the posts of the others. It has been difficult to explain to the state Insurance Commission representatives and the Senior Advocacy Center Ombudsman just exactly how Humana employees behave when you try to present a legitimate appeal. Being able to share with these agencies your responses to all of these different people is the perfect way to document the wanton disregard for human decency, let alone the lack of professionalism. You have been a great help. Just to be clear, the point is: Humana is ripping off thousands of people who, as you say, "decide to die" every year. It isnt about me or my mother. Mr. "Law", if you do work for Humana, I wish you the best of luck. Companies willing to treat their paying customers this way often have even less respect for their employees. Whether you truly work for them or not, I sincerely hope you can get help with your anger issues. To all the other readers: I really wish you well in your search for an honest, humane insurance carrier. Grieving Daughter

You're actually crying about half a month's premiums on the internet? You're calling THIS stealing? Whatever. Almost any company has a policy where the premiums won't be prorated. My landlord does this. If I move out on the 16th, I don't get half my rent back. My car insurance company does this. Quitting driving halfway through the month gets me nothing back. My storage unit place does this. Should I go on? Premiums are calculated and charged monthly and they shouldn't have to go through all that work just because your mom decided to die halfway through the month. She SIGNED a document saying that she'd pay this premium so quit ripping on an innocent company. There are bigger injustices in the world you should be complaining about. I imagine the only reason you're in such a fuss over this is because now that's a few bucks you won't get when the will is executed, right?