Humana Insurance Representatives & Plan Coverage Information Booklet promise services that are not really available Nationwide

My husband is suffering from a couple medical conditions for which he desperately needs proper treatment.

I have been making phone calls for the last 2 weeks trying to find facilities in and outside of our area that can treat his problems effectively.  In the process, I have come to find out that the quality medical facilities will not accept Humana medical insurance.  This just blows my mind because we are supposed to have some of the best medical insurance that money can buy. 

When I call Humana they promise up and down that our insurance will cover him in various facilities.  But when I call the facilities they say that, 'Yes, Humana SAYS they will pay, but when it comes time to pay they won't and then we have to bill the patient.'  Another facility said, 'They promise to pay, but when we asked for payment the door hits us in the rear-end.'  

I don't know what to do.  This seems like it would be grounds for a class action lawsuit.  I am just hoping there is some way to make these people honest.  We live in the State of Texas, so I filed a complaint with the TX Department of Insurance---who knows if they will even address the issue?   I am going to write my congressman and my senator.  Meanwhile, we will have to go private pay--which I feel is totally unfair. 

I can provide the names and numbers of a few of the people I have spoken to and I am also willing to re-call a bunch of them if more documentation is needed.   This is so terribly wrong to do to people. 

After reading on the Medicare website  (the program is Humana Medicare Advantage)  I found out that if we buy in to a Medicare supplement, we will never be able to get back on to Medicare Advantage.  In addition, I thought that maybe we could just pay for another Medicare Advantage program for a year so he could get his necessary treatment, but found out that we are not even allowed to switch from one Medicare Advantage program to another.

Bottom Line:  The Employee Retirement System of Texas has saddled us up with a bunch of scoundrels at Humana.   What can we do?????