Just switched from Humana, but you are right. They are all pretty much the same in denying benefits..My advice is NEVER pay until you get an actual EOB. It usually takes at least two months. And when they call (and they do continuously), just tell them you won’t pay until you get your EOB.
For us slower members of the class, what’s an EOB?
I don’t trust Humana; I have worked in some of their hospitals and the first thing they do when they come in is CUT STAFF TO SAVE MONEY. Makes working there not very pleasant; you get loaded down with patients.