Have you ever gone into a store looking to purchase an item they are supposed to carry because that is the kind of store they are, and been told that it is not available in your area?
For example, if I walked into a shoe store and wanted to buy a certain kind of very nice, but not too expensive shoe, and was told that shoe is not available in this area, I would feel that the act of buying shoes from a shoe store was somewhat disorganized and complicated. Especially if the store sells under their name (remember Florsheim?).
This is what happened to me today when I tried to get a Medicare Advantage plan for my medical condition from, you guessed it, Humana.
As my readers well know, I’ve been critical of Humana before due to issues with my late mother. However, after learning about Special Needs Plans from CMS, my agent informed me that Humana does not offer a Medicare Advantage plan for people with my condition in my area.
So, to use my shoe store analogy above, Humana does not sell Special Needs Plans (certain kind of nice, but not too expensive shoe) under their name in my area of the country.
How stupid is that?
Why shouldn’t everyone be able to buy the same shoe no matter where they live?
Naturally, if you wanted to buy sandals, and lived in Alaska during the winter, you wouldn’t, but all things being equal, you should.
Now I understand why in some counties there are only one exchange to purchase insurance, but again that is like saying there is only one shoe store in a certain county where you can buy shoes.
Totally wrong and bad for business. This is why we need Medicare for All, and should stop denying coverage to anyone, anywhere in the country, for whatever reason. If I buy that certain shoe in New York, I should be able to buy it also in California, Kansas, or anywhere else in the country.
To do anything less only makes the system worse.
So, “yes, we have no Humana, we have no Humana today.”