All the threads on health care in the DR prompted me to write about my experience with Humano.
I have the Platinum plan, the most expensive. Hubby has the Royal Plan, less expensive, still with Humano.
We went to our dentist in Puerto Plata who takes Humano. We both had a cleaning. Our individual bill which was done separately came up to about the same price. I thought that a more expensive plan would cover more than a less expensive plan. In this case, yes it does but the dentist only deals with the least expensive plan so that was what the billing reflected. Nobody had told me that. I foolishly thought that if somebody takes Humano they take all levels of Humano. Not so and they don't tell you! Of course the bill is not itemized!
All hope of getting what I pay for is not lost. I have to submit my bill to Humano and they will apparently issue a reimbursement based on the difference between the plan Royal and my Plan Platinum. What gets me is... in the last 5-6 years I Have gone to a number of dentists or doctors or specialists, most of them took Humano. At which level was I reimbursed? Who knows!!!
The solution is to get a list of the dentists/doctors who are part of the Humano network and specifically take Platinum. No, it is not on the web. It took close to 1 month to get that list of dentists. They forgot to request the list of doctors too. One would presumably also double check with the doctors office and ask whether Platinum is still covered so one knows whether to ask for a reimbursement. While the price difference on a dental cleaning is not that much (about 900 pesos) the price difference on a crown is a lot more (25K just for the crown, not including a root canal).
The quality of health care may be good IF you find the right doctor (thanks to Hillbilly and dr1) but you also need to learn to navigate the insurance system.
I have the Platinum plan, the most expensive. Hubby has the Royal Plan, less expensive, still with Humano.
We went to our dentist in Puerto Plata who takes Humano. We both had a cleaning. Our individual bill which was done separately came up to about the same price. I thought that a more expensive plan would cover more than a less expensive plan. In this case, yes it does but the dentist only deals with the least expensive plan so that was what the billing reflected. Nobody had told me that. I foolishly thought that if somebody takes Humano they take all levels of Humano. Not so and they don't tell you! Of course the bill is not itemized!
All hope of getting what I pay for is not lost. I have to submit my bill to Humano and they will apparently issue a reimbursement based on the difference between the plan Royal and my Plan Platinum. What gets me is... in the last 5-6 years I Have gone to a number of dentists or doctors or specialists, most of them took Humano. At which level was I reimbursed? Who knows!!!
The solution is to get a list of the dentists/doctors who are part of the Humano network and specifically take Platinum. No, it is not on the web. It took close to 1 month to get that list of dentists. They forgot to request the list of doctors too. One would presumably also double check with the doctors office and ask whether Platinum is still covered so one knows whether to ask for a reimbursement. While the price difference on a dental cleaning is not that much (about 900 pesos) the price difference on a crown is a lot more (25K just for the crown, not including a root canal).
The quality of health care may be good IF you find the right doctor (thanks to Hillbilly and dr1) but you also need to learn to navigate the insurance system.