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A Comprehensive Look at Common, Less Common, and Rare Fortune 500 Company Benefits
More than , people in North Carolina are set to lose their healthcare plans under Obamacare due to two of the state's three insurers dropping out of the exchange. NFL says no to promoting ObamaCare; teachers, librarians take up the slack. Maybe a very gradual reduction but nothing steep," the Europeantrader said. Sochi , Krasnodar Krai Colombia: Twelve own goals were scored during the tournament, doubling the record of six set in But us regular people still must follow every letter. If approved for a loan, to qualify for the lowest rate, you must have a responsible financial history and meet other conditions.

Part I: What is Obamacare?


Remember they get money to care for Medicare pt. Out of the Medicare busines. My experience with Humana mail order service has been unsatisfactory. They can not tell for days whether they have received a prescription or not. Quoted days can extend to weeks. I agree humana sucks!! Being on dollats a month on SS, I now cannot pay for any of my prescriptions. Humana does not care. I am an insulin dependent diabetic. Tried to refill the last prescription for yesterday and was denied.

I had prior authorization for the insulin for and had the one last refill for I was bounced around to 12 different people, last person was someone in Jamaica, I ended this call very abruptly.

I filed a complaint with the Missouri State insurance regulators, sent a copy to Humana and guess what, next person I spoke to said I see you have filed a formal complaint, yes, well I think we can issue an urgent authorization. Stop the jerking around Humana….. This type of action and customer service is unacceptable!

Like maybe charging less for the premiums and paying more for services provided!! Give us a break.. I received a tetanus vaccination from my doctor. Recently I received shot …now Humana sends me a denial of payment. Does that make sense? I rank this denial of preventive service up with denying a mammogram! I have lymphadema in my right leg and was prescribed a pump to help get the fluid out of my leg. They stand to loose slit more than the amount the pump cost because I am also the business owner that purchased the insurance package.

I also will talk to a lawyer. I would gladly include a picture of my leg of that would help. I now am convinced that Humana is way to big to even keep track of itself. As noted in other reviews I am saddened at the level of non respect given to the membership.

Those ads playing over the phone, while on hold, can really get your blood boiling and if anyone at Humana cares…play those taped calls from patients right next to those ads and…well, you get the drift. I was calling Corporate with the hopes of finding someone who cares and again those other reviews stopped that. There are major issues down in Orange County FL where the Durable Medical Supplier for CPAP is not capable of taking care of their requests, many are without any idea of what is going on and when speaking with customer service, the issue continues to grow.

As for those Customer Service Reps and Humana,s training of said Reps, way too many times explaining over and over the issue…no effective record keeping of said calls,,and still left in the dark with no solution! In fact I am sitting here typing to no avail………. Humana gold plus plan problems I have are that then dental plan is not very good. Only 1 vision provider with satalite offices and over priced. Next all the primary doctors and dentist listed as doctors for Humana gold plus plan are not in the plan.

They are in other Humana plans, this is misleading to the people interested in Humana gold plus plan. I just wish they were more honest. I filed 3 claims with Humana. I was told they went to our old address and we had not been there for over 15 years. All promising I should receive a check within 7 to 10 business days. I told her I wanted to speak with a supervisor she put Jordan ref on the phone and he stated I should have the checks in 5 business days.

Take your receipts and sue in small claims court do not forget to ask the judge for pain and suffering for thousands. I was unfortunate enough to select Humana as my medicare advantage co insurer. I say this because recently I was scheduled for a heart catherization. Luckily the hospital callrd to let me kno that they were now out of network, that at a minimum my co-pay would be approximately seven times more than if I was ar an in network hospital.

I live in a populous county in Michigan with three major hospitals. Humana suggesteg my cardiologist use one of the hospitals. First my cardiologist does not have priveleges at those hospitals. More importantly neither of the other two hospitals are in network either. I called Humana back went over all of this and was told to go to another city where another in network hospital is and find a new cardiologist to do the work.

I should tell you that I have been with my present cardio doc for six years. It was then that I was told to have my docs office call and talk to the humana people. My doctors office did that and more or less was told too bad send your patient to the other city and to another doctor or let him pay whatever the costs are.

I had open heart surgery five years ago, luckily humana was not my insurance company at that time. I will be dropping this joke for an insurance company come the change period for medicare holders. Please make sure you complain also to Medicare call and ask for a complaint to be filed under medicares assingment of benefit.

Under the assignment if you cardiologist excepts Medicare assignment they CANNOT exclude your doctor Medicare sets the rate for dr payments for Medicare not an hmo or any other Medicare contract provider. Lets get them off of their Medicare contract. Recently I had to have a mammogram for severe pain in my right breast, under my arm pit and down my arm.

After the mammogram they did a ultrasound on both breast and under both armpits. The radiologist came in while I was still on the ultrasound table and asked me if I had any history of Lymphoma in my family. I said yes, and was told to see a specialist. My primary care doctor received the report asap and ordered blood work asap. The next day we left for vacation in Ventura, CA.

My doctor from GA where I am from called me right away and said for me to find a good surgeon in CA and have a biopsy done on my lymph nodes under my arm pits which are profoundly swollen. Speaking with benefits specialists on the phone; I told them I needed a good surgeon in Ventura, CA to have a biopsy done on my lymph nodes.

They wanted to send me to a ENT doctor, a plastic surgeon, an oncologist, and a hematologist …. They might as well send me to a Veterinarian!!!!!! They might be able to do the job better than the other suggested doctors. Are you kidding me???????? Now, I have had to find a general surgeon on my own to do this biopsy to rule out Lymphoma! And I spoke with 6 different reps from Humana and even called Home Office to no avail.

They have uneducated and un-informed employees working for them. My husband and I will be switching back to Kaiser Permanente when we can. At least they were efficient and did their job well! As seniors we really appreciate the scam that was pulled over our eyes!! I hope the big wigs at Humana can sleep well at night. That if they took over, that the communist government would take all our companies monies and run them under government control robbing us of our Freedom. I mean gas has gone down, more people are back to work again, taxes have slowed down — where does Humana get an excuse to increase my monthly payments more than 15 times the rise in the cost of living?

Take your recipts and any documents showing your payments and what you paid in the past. The legal term is medical billing Fraud.

For 50 bucks add all that you overpaid and ask in the filling for small claims court for thousands for pain and suffering.

Humana says he has coverage, however, the Logistic Care vendor who provides the services says he is not eligible because he is not on Medicaid. They just tell me to file a complaint. Very unhappy with the whole situation.

Good keep all recipts and for a filing fee sue them in small claims court do not forget to ask the judge for thousands for pain and suffering. Could not get meds. Called Right Source to correct and was sent to Humana to correct Humana received an invalid address message and could not correct. US Postal forwarded the meds. Called and recalled to correct address issue but no help.

I suspect that the computer was trying to tell customer service that the address was out of area. Customer service never mentioned we needed another contract. When we got the contract it stated that if we wanted to retain Humana nothing was needed. We got zero help from Customer Service. The short with them is we have to file a written appeal even though they were wrong.

After all of this I find out Right Source Humana did not change my address and sent my meds. Also on a closing note I processed online request for two additional meds. Humana still under contract and was told nothing was in the order queue even though I knew the expedited shipping charge.

I never expedited before. Having owned companies in the paste, if I ever treated my clients this way my company would have gone out of business. I hate doing this. They boast about being in the health care business for 50 years but are obviously nothing but bean counting profiteers.

Those buffoons are trained to simply put you back at the beginning of the wait line. On June 23rd, my Humana PCP referred me to an out-of-network cardiologist due to heart irregularities discovered during my physical. That referral was to a cardiologist in the same building and I went there the same morning.

Humana denied the claim because the referral was out of network. I now understand Humana is not liable for this claim but do fault the PCP and cardiologist both of which belong to the same clinic for in-house not in-network referrals. Miller and asked her if she would provide me the in-network pricing for the services I received so that I could pay the cardiologist at that level, not the un-negotiated prices they are attempting to charge. She agreed and I sent her the service codes to look up in-network rates.

Since that time I have not heard from Sarah. She has not responded to any of the voice messages or emails I sent her. He instant messaged Sarah and found out she was in the office. I want to pay the cardiologist for services rendered but not at triple the price it should have been. I am not asking Humana to pay this claim but to simply provide me with the information they committed to providing. I am writing you in hopes that your office has a higher commitment to customer service than what I have experienced so far.

I have had Humana PPO since , having enrolled in the program via the internet. I did what he suggested. I called Humana to see what could be done because I had been with my doctors for years.

Please, whoever is considering changing their coverage, read all the customer comments about this company, and stay away from them. Do you want to experience the worst Obama Health Plan. Try HMOx from Humana you be in for the ride of your life. America can invade a foreign country quicker than they can settle a claim. The Corporate officers afraid to even take a call. Catherine at the switchboard for the corporate officers was one of the worst customer service people I spoke with.

I have been told every story you can imagine and have spent over six hours on the phone, customer service supervisors are argumentative and difficult. Customer service has one story and supervisors have a another. Who telling the truth! Bruce Broussard the President could turn this into a great company, that was efficient and a lot more profitable, if he could learn to listen to his Clients.

MY policy was changed to a POS on for them to start and cancel it all on the same day. I totally and disgusted. Kay, do you have the complete phone number for Bruce D. I am receiving ZERO follow through and multiple road blocks to getting a perscription filled. Now they have a new road block. Thanks for the info. I was attempting to try the contact the CEO rout but guess I should have known, these people are crooks and are not about to respond to you. I hate that I am paying so much every month and receiving such awful service I keep receiving a letter saying I am past due on my payments.

Totally ambiguous as to why or what. I tell them that when I signed up with the assistance of Erica Holleran X I informed her that I am a disabled veteran and have been covered through the VA for a long time.

A red flag goes up when you are not able to reach the ceo of Humana or even his assistant. Phooey on trying to communicate with another Humana incompetent. I am writing a long, snail mail to the CEO tonight. My mother is writing this because I died in July Humana sends marketing materials several time a week to her address even though she has asked many times that they remove my name from the mailing list.

I never was a subscriber and I was only 38 when I deceased, but they even send adverts to me for Medicare which is ridiculous, too. Humana, sold me a policy and after 7 months I received a letter stating the insurance was not available i my area. Yet they took my payment each month. I transferred to another plan they have which was to go into effect Sept 1st, however, when I checked back to confirm I was told they started and terminated my insurance on the same day..

I am writing the President and CEO, but based on what I am reading it is and will be a waste of time and energy. Saint Francis is an In Network provider approved by your company. I was informed by the Saint Francis Health Center this was a mistake and to call and inform them of this error. When I called the number given to me, also said this was a mistake. This is the claim where my Emergency Service Doctor was Dr. The information for Dr. This should be corrected. Please call the telephone number given above to verify that this is a mistake and your medical claim receipt form needs corrected to reflect this as an IN Network provider.

The following medical claims need to be corrected. I have contacted Humana Customer Care numerous times to have the problems with these claims corrected and I am told to go to the provider. I noticed today that the new Claim Receipt form does not have the B for Medicare Part B after the service code for the claim dates of March 9, , July 22, , Dec 19, This is the mistake.

Also, this claim does not have the B for Medicare Part B in the service code column which the old Claim Receipt form had. The reason codes need to be used for each service or supply provided. Also, the medical claim does not have the B for Medicare Part B in the service code column which the old Claim Receipt form had. I have listed below the medical claim that needs to be corrected for the date of Oct 10, , Service Date 10 10 Dr Mamidipally. I had met my out of pocket as of May 8, as shown by the medical claims I have listed below for the service dates of April 26, , June 27, and Sept 6, There is another medical claim for July 8, I believe, which I cannot locate.

I have listed below the medical claims that need to be corrected for the dates of Oct 8, , Nov 8, and Dec 8, I had met my out of pocket as of May 8, as shown by the medical claims I have listed below for the dates of May 8, , June 8, , July 8, , Aug 8, and Sept 8, I have been trying to resolve my out of pocket expenses now for over 9 months. I have talked to over 50 people at Humana and still have this problem with my out of pocket expenses.

Having met the out of pocket expenses necessary to cover all other medical services. Unknown to me, Humana decided to look at some of the claims and pulled them back taking away a large portion of my out of pocket expenses.

Because Humana had pulled back some of the claims I no longer met the out of pocket limit and I am now being billed and sued for the medical expenses for Sept, Oct Nov and December.. Some agree with me that I had met out of pocket in May. Can anyone HELP me straighten this out? I also have been given an attorney to SUE you for all that you have done with me… I paid my prems. You organization is very good at passing a problem on to someone else.

Not sure why you ask for call back numbers. I have never been called back in reference to this issue. Call your state insurance commissioner and complain… Mary. I am requesting the name of the President so I can send a letter to the Office of the President of Humana a located at your corporate office.

We have a difficult with filing appeal and need your assistance. Goldman Sachs Corporate Office. How would you rate your experience with Humana? Thank you H Reply. The state of FL has paid them through Medicaid to provide services, but they have not done so, although they have had no trouble accepting the money I have been in public service as a nurse and social worker for over 50 years and do not deserve this treatment.

Liveops is a virtual call center company. They hire at-home agents to perform inbound and outbound calls for customer service, customer acquisition, customer retention, revenue maximization, political, disaster relief, incident response, and fundraising.

NextWave Advocacy , LLC contracts with news junkies that are politically aware, home-based individuals who are critical thinkers to make outbound calls to educate citizens and help them participate in contacting their elected officials.

No sales or fundraising calls are involved. This is not a telemarketing opportunity. TeleReach offers telephone marketing services. This company hires home-based positions in appointment setting, lead generation, information gathering, seminar reservations, website marketing, product introductions, trade show follow-up, direct mail follow-up, prospect education, script development, list development, list updating, database sourcing, list merging, prospect, identification, tracking reports, prospect feedback and program evaluation.

Uhaul hires work-from-home sales and reservation agents to handle inbound customer calls. Are you looking for a career change? Do you have great energy, love helping people and a drive to succeed? If so, Unum wants you. We are hiring now for remote employees located in Pacific and Mountain time zones. Unum is a Fortune company with enormous opportunity for growth and career advancement.

Plus, professional development, competitive salary, great benefits and a mission you can be proud of. Take your career to the next level. Hurry and apply today. VoiceLog is a company that offers third-party verification TPV services.

They hire work-at-home positions for live operators — independent contractors, TPV Agents with multiple foreign languages available. Can work as little as 3 hours per shift. Williams-Sonoma hires customer care agents to provide service and support via phone, email, and chat. Home agents can put their experience to work and enjoy the freedom of working when they want, where they want. They never charge any fees. SiteStaff hires work from home chat hosts.

The Chat Shop hires live chat agents to work from home. Their services are free as part of a national return to work program. They also offer onsite community positions as well. Simply apply on their website to get started and their staff will follow-up within two business days.

These business opportunities require a small investment up front but give you all the tools and support that you'll need to start your very own home-based business in the direct sales industry. Work from home setting up fundraisers for schools, churches, and non-profit organizations.

Since ABC Fundraising has helped over 50, groups, raise over 50 million dollars, and we want to help you start a new career today. Get a FREE information kit now and sign up for our free online webinar to learn more about this exciting business opportunity. See why more than 5 million people around the world are enjoying financial success and personal growth as Avon Sales Representatives.

Designer brand, Elaine Turner creates exclusive apparel, handbags, shoes and jewelry for women who appreciate quality and comfort at an accessible luxury price point. Elite Stylists have the ability to create their own flexible schedule and are provided with tools, samples and support to reach their goals.

Stylists connect with clients via one-on-one styling sessions, trunk shows and philanthropy events. To apply for a position in your area, visit Elaine Turner Elite. Ambassadors earn up to 30 percent commission on sales. Ambassadors also earn 10 percent product credit every month they are active.

Our boutique-style line of personalized jewelry and gifts appeals to women of all styles and ages, and is sold exclusively by our Independent Outfitters … women just like you!

For more information, contact us: You have the ability to work as much—or as little—as you choose, and reap the benefits. The possibilities truly are endless. Earned commissions are paid weekly, with no need to carry inventory. My husband and I are full time with Le-Vel. Le-Vel uses premium grade ingredients. In this instant gratification society we live in, the high impact results are exactly what people are looking for! I'd love to connect with you. MONAT Global is a premium hair care brand devoted to empowering women through a unique and fun home business opportunity.

Our non-toxic, naturally-based haircare products are sold exclusively through Market Partners via online sales and digital marketing. No quotas or monthly fees! Visit our website here to get started. Clothing is the hottest new trend in social selling, and you can get in on the ground floor.

We are a boutique clothing and jewelry direct sales company. Our fun and fashionable clothing is offered only through our Curators who sell socially from in-home parties, local events, and online through social media. Our Curators purchase a POP box of inventory to get started. After receiving their POP box our Curators choose every style and color of clothing they receive from our always rotating selections. We offer many truly boutique styles from BOHO chic, western chic, casual basics, dressy clothes, and high-end boutique items.

We offer sizes S-3XL. Our Curators enjoy a generous profit margin. We are a clothing and accessory brand with a goal to elevate your everyday! Peach does this in three ways: We also offer women like you the opportunity for entrepreneurship — to build your own business through a creative, exciting, and flexible career that fits into and elevates your everyday!

As a company, we are deeply committed to our mission which is to be a force for good for women. There is not a woman in the world that would not LOVE this product! I was able to quit my job in two months, and I am now an Executive Manager and have seen a raise every month since! We love our team, the opportunity to work together, helping others, mentoring, and sharing Pink Zebra!

We have seen so much growth with this company, and we cannot be more excited for the future! I was a customer for about 4 months and asked for a discount. When I learned that there were no minimum purchase or sales requirements I was sold.

So here I am in the business, making money and having fun every step of the way! If you want a business with sponsors who really care about your success and will help you every step of the way then you are in the right place. For more information contact Glynis Nunez or visit my website: Our thorough training program and starter kit provide everything you need to launch your business. Plus, now is the perfect time to join SimplyFun as we continue to grow from our best year ever.

Thanks to our innovative approach to direct selling and a talented sales force, we doubled our sales in You can be part of this continued success by selling award-winning, thoughtfully designed games that teach useful, real-world skills to children of all ages. Sseko — Run your own ethical fashion business with Sseko! You'll fall in love with the amazing handcrafted and on-trend products. Sseko Designs uses fashion to create opportunity for women globally.

We provide employment and scholarship opportunities to women in Uganda who are working to pursue their dreams and overcome poverty.

We do this through a financially self-sustaining model, one that also enables us to create opportunity for women in the U. The Sseko Fellows Program. As a Sseko Fellow, you get to share the Sseko story and sell beautiful products of the highest quality.

We've got a vibrant community of women ready to welcome and mentor you as you get started… and every step of the way! We designed a smart, stylish business that works when you do. Sweet Minerals — Find out why women are going crazy over these natural products! The 5 minute Sweet Minerals Flawless Face lasts throughout the day, in excessive heat, humidity, sun, rain, snow, sweat, the pool, the shower, the sauna, you name it! You can even sleep in it!

Download the NEW opportunity guide here. Traveling Vineyard — Pop open opportunity and get ready to change your life one cork at a time. The only real requirement of this job: It helps if you like wine, too.

Other than that, the rest is easy peasy. Or maybe you just need a reason to get out of the house. Your reason for becoming a rock star Wine Guide is up to you. Our products are made with safe and healthy, clinically-proven, high-quality ingredients that nourish your skin, much in the same way a healthy diet nourishes your body.

Your overall skin wellness is our primary focus. We create healthy skincare products that are natural, clean and safe, formulated with natural prebiotic and probiotic ingredients that specifically protect and nurture your unique skin flora. Despite your age or skin type, TrùAura works with your bodies PH levels to reveal the most amazingly beautiful skin possible. Visit Sara at http: Our organization is rapidly growing because we offer people a great opportunity to make a nice monthly income while also helping people in need.

Below are just some of the benefits to joining our company: Determine your own work schedule. The more events you do, the more you make. We are a year-old corporation doing a billion in annual sales, the trendsetter in wellness products. We do business in almost every country with headquarters in 13 Countries. We have hundreds of thousands of satisfied clients who have experienced life change in the areas of health, wellness and financial abundance which has led to one of the highest client loyalty rates in the industry.

We offer personalized mentoring, business, leadership, personal development, and product training. Because we work hard to set you up and to help you succeed, we are only looking for people who are serious about becoming financially independent through working from home part-time. If you are a team player, self-motivated, dependable and ready to begin earning a substantial income part-time right away, contact Leslie Morris at , lesliejmorrisyl gmail.

You can easily earn SB points by watching videos, playing games, answering questions, shopping online, and even surfing the web using their toolbar. CashCrate is an online platform where you can start earning money by completing offers, taking surveys, watching videos, and shopping online using their site. Payments are made via check or PayPal. Fusion Cash is an online platform that allows you to make money from taking surveys, watching videos, shopping, completing short tasks, and much more.

Most offers pay between. Fusion Cash is a member of the Better Business Bureau. InboxDollars here you can earn cash for surveys, reading emails, playing games, redeeming coupons, searching the web and shopping online. Payments are made via check.

Love playing games on your mobile? Cactus hires freelance workers for various editing positions. Editors do not need prior experience in English editing. You should have a love for the language and the ability to explain your subject matter in grammatically correct English. Editors bid on projects and Edit Fast charges the client an additional fee. First Editing only hires experienced editors but offers full-time and year-round work in various editing capacities, such as copy editing, business editing, proofreading services, book editing, thesis editing and much more.

Cambly is an online, foreign language, tutoring platform that lets individuals practice their language skills with a native speaker. To get started, you must be a native English or Spanish speaker; you must have a webcam and Internet connection.

Payments are made via PayPal. Gogokid is hiring ESL teachers. Must have a Bachelor's Degree. With this position, you can teach anywhere in the world as long as you have a stable internet connection.

SayABC hires teachers to teach small groups of children up to four per group ages 5 — 12 English as a second language. Zeqr, an online learning platform , connects like-minded people who seek to impart knowledge and those who are eager to learn. Sign up as an Xpert, create your unique class and share your knowledge or expertise with students and people looking to acquire new skills online.

The platform enables you to set your own pricing and schedule and teach from anywhere via live video. Create your class today: The Hartford offers a wide range of work from home positions including customer claims specialist, national account underwriter, and sales. When performing your job search, look for the designation: Prudential hires work-at-home financial services associates, customer solutions reps, and customer relationship specialists.

Prudential offers a comprehensive benefits package for full-time employees. Acceleration Partners hires for a wide variety of affiliate marketing jobs. Candidates must reside within a reasonable driving distance of one of their key hub regions: These remote, full-time positions come with benefits and lots of perks.

Work from home making calls and completing short online forms. Flex hours and great pay. No upfront costs or background checks. Payout via PayPal within 24 — 48 hours. We have employed and paid thousands of people across the United States.

Member of the Better Business Bureau. Aetna hires nurses to work from home telework in case management, pre-certification and as nurse consultants. Candidates must have RN license. Humana hires home-based nurses for inpatient case managers, concurrent review, and case management. DoorDash needs food delivery drivers. Flexible schedule, work as many hours as you want, and use your car, bike, or scooter to make money.

Instacart needs full-service and in-store grocery shoppers. Make your own schedule, get paid weekly, and start earning quickly. Must be 18 or older to work as a shopper. Uber is an on-demand job where you can make money using your car to drive others around town.

Part II: Obamacare costs and tax subsidies