I thought about contacting my state's Attorney General's office, or Medicare, but feel I should probably put this aside for a few days to get my thoughts in order. In the meantime, I wanted to get some outside perspective, or perhaps even the perspective of anyone who's encountered a similar situation.

I feel Human is either being fraudulent or incompetent.

This is an email I sent them Monday morning:
This is an excerpt of a reply I received from them a few minutes ago (semi-personal information included but I think it's safe to quote). I have copied the text verbatim. The first time I read it, I found it confusing. The second time I read it, I realized *why* I found it confusing - there are several statements that are worded using extremely poor grammar:

I don't know the correct avenue here except to contact them and talk to a person who classifies as a supervisor who agrees that they are empowered to resolve this. Make a note of who you spoke to and when. Sending email and letters can lead to "form" responses, of which I classify what they've sent to you.

What you see are also a divisiveness between what they sent to you originally in a bill and what they're telling you in their response regarding billing, and entirely ignoring your statement that you reject this coverage entirely. They've clouded the issue and made it appear unclear whether or not you can reject this coverage, while also implying that you merely need to call their number to make changes to reject things and also warn you that you'll be subject to a penalty if you choose to reverse you mind on the matter in the future.

I'd start by calling that number and also start by telling the person answering the phone that this is already a matter in dispute and that you'd like to speak to a supervisor. Then do not disconnect with them until they answer these concerns fully.

I haven't seen the bill, so maybe you have a piece of paper showing something different? But the way I read their reply they are saying that you have their PPO and that Part D is included in that price and is not a separate charge.

Further, if I understand them, if you want to drop Part D that would mean a change in your plan; which would make you late b/c it's past time to do that.

it's an outrage that they don't bother to reply in understandable sentences (probably outsourced to india - sorry, i have nothing against indians).

i'd insist, if i were you. of course not to the point of going to court, but at least to the point of talking/writing to an actual employee who is authorized to deal with this.
because the reply you got basically says: i'm a minimum wage person who's just replying to emails.

An American probably wrote the letter, but likely one with a high school education at best. I agree the complete lack of punctuation make the complex and run-on sentences impossible to follow.

I agree with everyone who said you should call and ask to speak with a supervisor on the phone. Don't even start with a rep. Ask right off for a supervisor. Try to come up with a date when you called in October or November. It's quite possible that there is a record of Humana's contact with you on that date, but that information likely won't be offered unless you ask about it. There is probably a record of the notification that was mailed to you so that's a place to start. Based on your description of the conversation it sounds like the representative did a look-up of your information. It is also possible that there is a record of the look-up too.

I doubt the rep was being deceitful, but customer reps are under-educated in general (note your email response), under-trained on the products they support, and under enormous pressure to get you off the phone as quickly as possible.

Update us on how it works out.

Thank you everyone. I've chosen to follow the consensus here and attempt to contact a supervisor. That does sound to be the next logical step.

Expect a struggle. Humana doesn't care about you.

Being old and grumpy, I signed up for Medicare a bit ago and did extensive research before I did.

If you qualify for U. S. Medicare (Parts A and B--and D, if desired), it is best to get it directly through the U. S. government (medicare.gov); the sign-up is smooth and straightforward.

Part C (getting it through an insurance company) is in my opinion little more than a ploy to allow insurance companies to take a cut of benefits you would have gotten in any event. The primary concern of U. S. commercial health insurance companies is paying for country club memberships and private jets for their CEOs, not anyone's health care.

Just my two cents.