Humana keeps using excuses not to pay according to my daughter's policy. The claims come back as "penalty applied for not obtaining pre-authorization, " or they don't pay within the 15 business day time period required by the state of Georgia, or they claim there is a co-pay owed. In 2010, my daughter made 5 trips to one doctor. Same excuses. We fought it, and they finally admitted they should have paid. The doctor got paid in March 2011. We reported them to the Insurance Commissioner numerous times. In all instances (there... read full review »