<prompt> Human: Now this is a story all about how my life got flipped-turned upside down and Id like to take a minute, just sit right there - Ill tell you how I got screwed by Humana Healthcare.My wife and I have been a Humana customer for years on a high deductible plan self-insured and we had our first baby born earlier this year in February.For years we paid all of our medical expenses out of pocket because of the high deductible plan which is fine - we preferred that over paying the higher monthly premiums because my wife and I are in good health overall.The day our baby was born I called Humana to add our child to our policy. This is where our relationship with Humana went south.We had no special medical issues with our kid or my wife and went home within a couple of days. About a month and a half later, at a visit at a dentist, Im trying to find our dental policy number by logging in to Humanas website.We have both medical and dental plans with them.Its important to note at this point we are a highly digital family and we make sure to use and set email and phone notifications for anything we can. This is why we had opened the online account with Humana so we could easily pay online, get status updates, track expenses and payments, etc.While logging into the website I saw a notice in one of the internal pages that the policy has been terminated. I figured thats odd. Im clicking through the Medical plan area and the same notice appears there. I promptly call customer service and ask why has our policies been terminated. To make a long story short - apparently when they added my kid to the policy, they also marked the policy to be terminated by customer request - WTH.The rep told me hell get back to me and indeed he did after an hour or so and confirmed that this was a mistake and he submitted my policies to be re-instated and it would take a few days but it would be retroactive to the missing period.I figured - well, s happens, but they made it right so ok. He told me I had to re-add my payment account online we used our credit card because once the policy was terminated it also stopped any billpay.The policy was reinstated a few days later, I went online and added our credit card again, they billed it for the missing period and everything was fine and back to normal.As the months went by we continued using different healthcare providers for our baby and my wife standard treatment stuff - vaccinations, wellness exams, etc and the providers sent the bill to Humana claims as normal and whatever bills we had to pay during the deductible amounts came home and everything was fine.Fast forward to the last week of June I can two letters in the mail from Humana.One of them with brand new cards dated June 10 and another letter with an invoice dated June 16 with Payment Due July 1 showing 1953.51 due.I figured thats odd. Looking at the invoice, it looks like we had 2 billing periods due the upcoming one for July.I logged in online to see whats going on, and I saw indeed there is a balance due of 1,953.51 as well. Im looking at the payment accounts and the credit card is nowhere to be found - only an option to add a bank account.I then go to the deductiblesclaims area and I see its showing a 06,500 for my wife - also thought that was off since of course the bills from the birth were well over the deductible amount.I call Humana to inquire about the deductible issue and the due payments.I explain the situation and saying I got an invoice today with so and so to pay and I logged in, didnt see our credit card, had the issue with the deductibles not showing, etc - in short, explained I want to pay it and make sure all our deductibles are in place.Its important to mention here - at no point in time in our life did Humana pay out anything for us because weve never hit our deductible and we didnt have any special events at this point in time besides our childs healthcare needs which, have their own 6500 deductible that started from scratch when he was born.The lady on the phone proceeds to tell me that she sees our coverage has been terminated since APRIL 30 2016 because of no payment.She continued to tell me that Humana sent out a letter in March saying they no longer accept credit card payments.Of course - no registered mail or any proof on their end that a letter was sent or received. Apparently thats good enough when you cancel somebodys payment method for their primary health care policy.I told her not only I never received such letter, I continued to receive regular mail for statements from Humana every month including this most recent letter that Im staring at dated June 16 2016 with a due date of July 1 AND I have BRAND NEW CARDS PRINTED JUNE 10 2016.I didnt yell - I know the difference between a customer service rep and the monster machine that created this scenario.She told me that theres nothing she can do on her end but she can transfer me to the claims department that have more power on stuff they can submit.While waiting for a new rep to come on the line, I checked my email to see if I received any emails about the payment account issue just to make sure and sure enough - I didnt.The new customer service rep comes up, I explain the history and she proceeds to check the account.At this point at least she did confirm that our deductible had hit its max amount and the claims are counted at over 7,000 for my wife. I figured at least when we figure this out we finally wont have to pay for stuff to her this year and finally enjoy the benefits of having health insurance - yay.She says that the policy was terminated because no payments were received and it was cancelled to reflect the last date they got paid for basically for April - back in March, when they cancelled our insurance and I had to re-setup our payment account with a credit card and pay it.I explain this entire story again and she says the only thing she can do is file an appeal on the phone. We start doing that - had to explain the chain of events from scratch while she is typing the appeal.We finish, she submits the appeal, gives me a reference number and tells me Ill be contacted within 5 business days. This was just before July 4th so I figured it might take longer.A week later July 7 I get a piece in the mail from Humana dated June 17th as evidence of termination how convenient that its dated a day after the last mail I got dated that says I owe them money to be paid in July.I call today July 12th to check whats going on and the customer service rep tells me there was a decision made on the account on June 29th !!! and they decided not to reinstate my account.Mind you - weve been a paying customer for years, never once had them actually pay anything because we never hit our deductible and my entire request was just to pay them because of their issue of not telling me about the credit card payment method issue so my family can be insured again.Interestingly enough, the first time in the business relationship with Humana that theyre actually poised to pay anything, we get our policy cancelled and not willing to re-instate although I have plenty of hard paper evidence of continuous communication from them that does not suggest in any way our account is not in good standing or that our account was terminated.I ask the service rep what recourse do I have - she says at this point if I re-submit another appeal they will just deny it. I continue to ask her if I can apply for coverage with another healthcare provider and she says only if I had a qualifying life event in the past 60 days otherwise I have to wait until the next enrollment period at end of year.So this is where Im at. Out of coverage and lost all of our deductibles for this year for the first time ever we used them in full.What would you do? Who would you complain to?How is it possible that a healthcare company can send you policy terminating communications without any method of delivery confirmation for proof?Did this happen to anyone else?Assistant: I had something similar happen to me: We are also on a high deductible plan, and had several doctors visits unfortunate - different kinds of issues for both of us. At some point my SO notices that our credit card wasnt billed for the premium. I checked online and yes, our credit card was removed. I called and they told us that they no longer accept credit card. They claimed they sent an email and letter. I asked for a copy of that email and never received it. Im sure we didnt receive any letter. I had to provide a bank account for draft of the premium. At this point, our premium was overdue by 25 days. The customer service rep made an off hand remark that it was good I called bc if I was beyond the grace period of 30 days they would cancel our plan. Ok, this month paid, and we were set up for auto pay, on the day the bill is due. 2 months later, autopay day comes and the premium is not drafted from the account. I check online and it shows the payment was scheduled, and then miraculously cancelled. Certainly not by me. I call again, and they cant explain why. Next month the same thing. Meanwhile Im chatting with one of my doctors receptionist and she tells me how difficult Humana was and that they were questioning all kind of payments and the dates I was at the doctors office. Coincidence? Ive been monitoring payments for my account with eagle eyes to make sure we are not missing a premium...BTW Im in GA too. Coincidence? I dont think so.Good luck, OP, in getting this sorted out. edit - thanks so much for the gold, kind stranger! Appreciated, but the gold really belongs to uliorwn, who brought this matter up and I sincerely hope can get this sorted out. I only added my experience. Thanks again though. I did a lot of reading and investigations today. Once you start to dig it gets very nasty very quickly. Also many thanks to the several persons who PMd me. My conclusion is to try to get other insurance and off Humana as soon as we can. Thanks again. Human: This is becoming a very disturbing pattern. I wonder how big this issue is.Kudos to your SO for tracking the non-payment!EDIT - removed my hijack because the mods restored.Assistant: Two people in georgia so far...find a couple more and go into a young hungry lawyer... might take 10 years but you might be able to set your grandkids up with trust funds. Good luck OP. Be ruthless.Human: Between the comments here and the PMs I got we have over 4 just in the past couple of hours actually.  <response>: Find an attorney who is a former federal prosecutor. Report this issue to every agency possible. 