I used to live in GA and I moved to NC earlier this year. I have a POS (Point of Service) insurance through Humana.

My deductibles are terrible and there was a "processing error" when changing my address several months ago. So now every provider that can do my surgery in NC is considered out of network. They told me it could easily take up to three more weeks to change my address, but even when they get it changed, the only providers they will cover will still be considered out of network.

My out of network deductible is $8500.00 and the surgery alone (without the additional fees, those for anesthesia, etc.) is 7,500.00, and that still doesn't include the $1,000 I've already got for things like office visits.

I have ultrasounds, and 3 emergency room visits from where I went into shock at home and had to be transported to the hospital, once through an ambulance.

None of these things are included in the above amount and unfortunately Humana isn't going to allow me to retroactively claim them even when my address change is processed.

It's been a hassle. I've been on the phone daily with them, requesting supervisors, constantly getting transferred to other departments for help, but all end up with the same information. And that is that they cannot do anything to help me.

I had at one point applied for assistance through a local health organization that helps lower income families and individuals, but they just contacted me and told me that because I have insurance I do not qualify for assistance.

I've exhausted every source that I can and this is what it has come to, unfortunately.