Humana Selling insurance where it is not offered then denying coverage Lexington Kentucky

Thankfully, a PPO plan means you can go to any provider, participating or not. But if you go to one that doesn't contract with Humana, it will pay at some sort of lower benefit. The online tool just shows participating providers, not all providers, in an area.

Thankfully, a PPO plan means you can go to any provider, participating or not. But if you go to one that doesn't contract with Humana, it will pay at some sort of lower benefit. The online tool just shows participating providers, not all providers, in an area.

It is when I go to My Humana that I found out that the plan I have is not available in my area. It is the PPO plan.
There are no local doctors.
The response I received today from Humana is that it was my fault for going to a non-participating doctor. They also said it was no problem because there are doctors within 50 miles of me! I can't drive, and am in no condition to walk 50 miles!
Amy, How do i get in touch with you to get you to correct this?

There are lots of different 'networks' depending on the type of plan you have. Without knowing what type of plan you have, and the plan/option numbers, it's hard to give further comment. I work for Humana, but not in sales or customer service. That said, I'd be willing to try to help you figure this out if you can provide more information.

I find it difficult to believe that the insurance you have is not available in your area. Humana has extensive networks and a huge number of providers. Have you used the 'find a doctor' link at Humana.com?

I get the impression, as well, that employers get to choose (to at least a small degree) what network they'd like to be a part of. I'm not at all positive about that, though. Maybe you should ask the person at your company who's in charge of healthcare decisions for their help, too.