Paying for a Dental Plan I can't use and can't get money back.Humana One Dental MyComp Benefits I Lexington Kentucky

I went through e-surance to locate a dental insurance plan that would fit my immediate needs. I found HumanaOne Dental, which had no waiting period, would begin on the first of the following month after I was enrolled and had no maximum payout amount for coverage.

Somewhere along the way, HumanaOne morphed into MyComp Benefits. The plan that I've allowed $14.99 per month to be taken out of my checking account that obligated me for a year per contract DOES NOT COVER ME IN MY AREA. There was a way to click on "Find HI 215 providers in your area"--but when I did, the providers that came up took Humana but not my particular plan and would therefore force me to seek a dentist somewhere outside a 100 mile radius, though I live in a city with more than 250 dentists.

This is completely fraudulent. I called on 10/24/13 and cancelled the plan, and was told I would get refunded for the November payment. Today, 10/25/13, I called back to explain that I receive an e-mail telling me Humana would continue to take money out of my account for the dental plan I CANNOT USE through December, but that it would be cancelled, because I agreed to a one-year contract.

I want my money back. I need dental insurance but there are no plans out there that ANY dentist will take that have no maxiumum treatment allowances and no waiting period. I will be out about $180. I am not working right now--I am taking care of my mother, who has stage IV brain cancer. I am living off savings and being paid a small stipend from her retirement. I cannot afford fraud like this. I was told to write to Grievances and Appeals at Humana and given the address of PO Box 14729, Lexington, KY 10512-4729. I gurantee that if I send a letter, it will never receive a response. This is yet another example of how coroporations are fleecing and taking advantage of those who can least afford it. Believe me, I will report this everywhere possible. I am contacting my state's attorney general, the Better Business Bureau and will try to contact someone at the corporate office of Humana. I know I will get hung up on there. It's not much money for some and I know some would just say "cut your losses," but I was allowed by any and all settings on a website to purchase something that was unusable, while my 15 bucks a month paid for someone's lunch.