I won't hammer you, but do you have it in writing? Because I can only go by what I've been told by multiple Humana reps (including the market manager here in Atlanta). And since I don't have it in writing from Humana, there is no way I'm risking it. Thankfully Aetna/Coventry has added one of the major hospitals here to their network and will now give Humana some serious competition.
I had the same question for UHC regarding mailing apps and sent their compliance department an email asking specifically about it. I received a response that said, while not ideal, they will allow it if you still go through a compliant presentation (review). So now I will do that when warranted. Most every other carrier I deal with will allow it (WellCare is one that comes to mind who doesn't allow it).
If you're enrolling people in Humana via mail, more power to you. But I'm not sure "my home office regional manager said I could" is the best defense.
Update...
I called Humana yesterday. The lady I spoke with (very rude, by the way) said they changed wording on this from "required f2f" to "preferred f2f."
As soon as I *hinted* that this was a great chang I got a lecture on how only an uncaring and/or non-thorough agent would not want to do f2f.
She told me how confused they will be if I don't sit down with them to go through the SOB.
I politely informed her that....even when I or any agent goes through the SOB...many are STILL confused!!
When I said that...she almost hung up on me. Guess I wasn't falling in line like a good soldier or something...
Silly Humana...