Aetna Health Insurance

The cost is roughly $240.00 monthly, however I pay a whopping $85.00 co-pay at Doctors for visit. A person without insurance pays $90.00. How is it better? The deductible is $6000,00. dollars. Is difficult to find specialty area doctors to take this insurance.

Where do I start... 11/15 I had a bad car accident that caused me to have bulging disc. I've sent police report, MRI bill, etc 3x! It just a never ending vicious circle of ignorance. First they never got the paperwork. Then they didn't get all of them. Then I sent it a 3rd time and the paperwork was too dark on the copies. Well turn the contrast down on the printer technology savvy people! I have an accident, not at fault and clearly the police report says it. So now the paperwork will be "escalated to processing department". You get insurance to be secure when life happens. They probably should hire retired people that have lived life and can understand doing one thing fully at a time and life does stop because of unforeseen events happen.

So, I found out why I was charged twice in the same month. They didn’t tell me that they bill a month in advance. It was November on the 5th and December on the 23rd. I would have never agreed to that. Because of that I lost half of my social security for November. (Bank let it go though not their fault/I didn’t have the money so the charges and overdraft fees cost me dearly.) I tried calling Aetna last Friday but couldn’t get through. Also tried on Monday. I spoke with another Medicare supplemental insurance company and found out you can cancel the supplemental insurance plan anytime (I’m working on doing that now) during the year. An Advantage plan only yearly at open enrollment time. I hope that I helped someone with this information.

My wife and I signed up in 2017 initially for the Aetna Medicare advantage hmo. We wanted to be sure that our primary care physician of 25 years was in the plan. However, after receiving our Aetna ID cards, we noticed a different doctors name. When we called Aetna, we were told that while our doctor was in their network, he was only categorized as a gastroenterologist specialist and could not be our primary care physician. We then were forced to switch our Aetna HMO plan to a PPO plan, as we were already into 2017 and past the Medicare cut off date. Aetna after reviewing our complaint regarding the misinformation we were given about our primary care physician, agreed to switch our plan to a PPO. The cost of the PPO plan was to be approximately $75 per month for each of us.

Aetna/MHBP no longer allows a wife or any dependent to receive their personal information or monies from their insurance company. ALL information regarding dependent's PERSONAL information is mailed directly to the primary holder on the insurance. Aetna has not yet figured out that women have achieved equality in most avenues of life, and at the very least, able to handle their own health details. Discrimination.

Updated on 12/01/2018: So as I wrote previously I’m being charged for both Medicare supplemental insurance plan and Medicare Advantage plan. On the 5th of November 2018, I was charged 240.74 for my supplemental and 20.00 processing fee For supplemental insurance, I have life insurance also 36.00 taken out. I went to pick up my pharmacy prescriptions November 29th and my bank card was declined (I’m on social security/disability). I was confused so when I got home I went to my banking site to find out why my card was declined. Aetna had taken out another 240.74 and 36.00 life insurance on November 23rd.

I am a licensed psychologist who is appalled at what can only be described as Aetna's relentless effort to find obscure reasons to kick me off the panel, in effect ending treatment for my patients who need it. For some, it is literally a matter of life and death. On two occasions now I have receive an EOB in the mail letting me know that I am no longer in network and that all of the recent claims I submitted were denied. This leaves the patient who is already in extreme distress in the difficult position of having to fight with Aetna to have the claims reimbursed. Almost always Aetna is unwilling to reimburse and the client ends up not only needing to pay but also hesitant to continue treatment.

Newly diagnosed adult type 1 diabetic. I didn't have years to prevent or a diet to change because it was developed as part of failing thyroid disease. I don't understand how Aetna could continue to deny and delay approving life threatening need for insulin. I don't have a thyroid and produce no insulin. While Aetna is waiting on paperwork pushing 90 days prescription, I could go into diabetic shock. I'm very upset with the politics of also telling us which drug to use when some generic brands have failed me for years. I want someone to understand that I'm just trying to live longer than 45 years old.

Customer service is horrible. They don’t know why they didn’t cover my bill. They have to figure out and explain why they didn’t cover it, but they just said “I don’t know why”. I and my husband had the exact same insurance but they only covered my husband’s bill. They didn’t cover mine at all for the same dental office with the same insurance coverage.

I tried to enroll in a part D two months prior to the end of my employer insurance and all seemed well until I got a letter saying I had lied on the application and was terminated. It had no appeal number. I called to find that who had lied was Aetna, changing my start date to Jan 1 and opening up an uninsured period which made me ineligible. I applied again and got NO notice by the specified date (now < 4 weeks prior to the due date). Navigating to the right office proved impossible as no appropriate using Aetna's phone system. I was eventually shunted from one agent to another until I asked to speak to a supervisor on the evening of 11/8/2018.

Front line telephone service calls are answered by people for whom English is a second language. They also don't know anything. I used one of the providers they recommended by phone only to have Aetna later deny payment to that provider. Not only is their information incorrect, their back office is so slow that you can't count on their approval in reasonable time. I've had to reschedule appts because they don't respond to physicians either. I got better drug prices using a discount coupon from GoodRx online-- so much for Aetna's Rx insurance. I also bought medical supplies over the 'net at full price plus shipping cheaper than the 20% co-pay Aetna wanted me to pay. So, unless you want glacially slow response with information you can't trust and prices you can't afford, don't pick Aetna Medicare.

I had to pay $1800 freaking dollars because they wouldn't grant me a one day extension to submit my student health insurance waiver. My father was transitioning to a new job so his new insurance plan kicked in one day after the waiver deadline and they told me I still had to pay the FULL AMOUNT even though I'll never have to use it at all. These people have no compassion and do not care about you at all. How unfair is it to ask someone to pay $1800 for absolutely 0 service. This company and its employees are a joke. Please no one buy insurance from them and let these absolute low-life rot in hell. They are literally stealing money from people with their so called strict guidelines. Go rot in hell you scumbags.

We pay 14,000 in premiums, best plan we could get was with a 6,000 deductible. that's 20,000 out the door before one thing is covered. AND they don't approve tests that are needed - never once have we had tests approved. Our doctor is always fighting with them for tests he orders. Twice for broken elbows, once for chest issue that needed an MRI, once for a dislocated shoulder etc. etc. All tests that we had to pay for out of pocket EVEN if they had approved them - still hadn't met our deductible!! Will NOT renew - We've had enough of this company.

I have recently needed to help three family members get through cancer. At the same time, my spouse of 44 years abanded me. To say the least, things have been overwhelming. While trying to arrange for some STD and FMLA leave, I was put in contact with Aetna Insurance. The level of customer service I have received from Aetna borders on being criminal. While they seem attentive and focused while I am personally speaking to their reps on the phone, their apparent lack of internal communications has frustrated me beyond any polite words.

We have had this insurance for 3 years since living the majority of the year in the Turks and Caicos Islands. We are residents of the US and pay extra for access to US providers since care is limited on the island. The first year they covered routine care and a emergency service. Starting the second year they have denied and not paid for one routine visit, emergency treatment, etc. We have tried for 18 months to figure out why and have spoken endlessly with their account reps with no action. We are changing providers this year since thank goodness we have not had any major health issues but feel absolutely uninsured.

I’ve found that using Medicare Part D through Aetna is a total rip off. Every prescription that I’ve had written was TRIPLE the cost using Aetna insurance than using either Walmart Pharmacy or Good RX which is not insurance. I’m paying 170.00 a month for Medicare and Aetna and they sent me a bill for 121.60 for one RX while The Good RX app cost was 33.00!!! They must think medicare recipients are stupid... We are NOT and what Aetna does is downright criminal!!!

I'm a health care professional and I've been suffering from back problems for over a year plus. I've been through PT, MRI's, injections, and now all I have left is surgery. I have seen a surgeon and they wanted to do a procedure that would help relieve my back pain. Aetna has denied my procedure twice. I have appealed and lost. My doctors have said that surgery is my only option at this point. However it's clear that my doctor's assessments mean nothing when it comes to Aetna. I don't want to be on painkillers for the rest of my life but this is what Aetna is condemning me too. If you have a choice when it comes to choosing your insurance company, NEVER choose Aetna.

Pt. gets Medicare Advantage Plan through Aetna. If Pt has dual MedCare and Medicaid plan and Pt filled his deductible this year with Medicare/MedAid it will not be valid for Aetna. With new insurance for Pt.- Dr. will be victim of cut payments and not be paid second time in the year normal fee for services he rendered - fee they signed to be paid for, with Medicare. Aetna got idea how to use all those murky, uncharted waters in their advantage - to count it as deductible again, in same year, even if Patient filed his deductible for this year and, Dr. already got paid at Medicaid rates that are MUCH LOWER THAN 80% of what is agreed amount that Dr. should be paid by Medicare. So Drs will eat up loss and Aetna will gain - it's not called for nothing ADVANTAGE - I doubt that Medicare had that in mind when they offered those insurances chance to serve as their contractors - not to take advantage of Drs and patients any way they can.

Aetna approved an MRI for my back. They directed me to a provider that I must use in their network. The cost for the MRI: As an AETNA member: $425. With no insurance: $275. As an AETNA member, I'm essentially paying 50% more for the same service. You would think that AETNA would negotiate better rates for its members? I've had 5 different service calls with AETNA customer support. Each time they blame it on the "contract rate", even though it's their team that has negotiated the rate. AETNA is horrible. They're making me spend more money to get the same service if I never had their health insurance.

Only selected one because I HAD to. So a few years back our school district decided to switch to Aetna Health Insurance. BIG MISTAKE. My husband and I (previously) work for the same district. During the first year of paying for Aetna health my husband experienced a back injury that caused a herniated disc. After going through the necessary 6+ weeks of physical therapy his doctor decided he would benefit from an epidermal steroid to help the progression of healing. They never approved it after we tried and the doctors repeatedly tried. So we finally came to a point that we gave up on ever hearing anything.

Prior to my doctor appointment, I called to verify if my visit would to fully covered. They assured me yes, it will be 100% covered. However, they billed me afterward. I called again and they said that how the hospital billed them so I have to call the doctor. Worst experience ever!! Customer service is also very impolite and unprofessional.

I had a medical claim on February 3, 2018 which was filed with Aetna in May. It is now September and they claim they have no paperwork which three telephone calls they did have the information. Now they tell me you cannot email a claim in but must have a claim form which nobody ever told me I needed. They went from inefficiency to outright lying when I have talked to the claim department. If you do not have to get Medicare from Aetna - don't!

Aetna's state employee health plan has zero out of network coverage. None. Unless inside a tiny network area - for us Oklahoma City only - you will pay full costs EVEN IF DR. HOSPITAL, or URGENT CARE says they take your insurance and processes your card. Aetna won't pay anything and you will get the full bill. When 90 miles out of town camping or on an out of state trip with an emergency they have denied all our claims and multiple appeals AFTER hours on the phone saying we were in fact covered. DocFind is not reliable at all. We've been denied several providers that listed as covered in network. Higher premiums than other options; terrible service.

It is a confused and deceptive health plan, badly organized and horrible, this plan has made me sick of so much stress, if you are reading this, I recommend that you do not pay a penny to Aetna because it is losing money.

Whether I get hung up on or transferred from place to place over and over again, I have the same provider relations difficulties time and time again. It is utterly the most exhausting time in my life trying to get things solved with Aetna. As a provider I have still not been able to submit several claims from 3 months ago. I call to get directions and no one sees a single note under my file from any of the previous CS agents. It's like starting over every single time. Today the person transferred me somewhere and instead hung up on me. I cannot understand anyone through their accent. Not being insulting, it's just the truth. I can only deal with this a bit longer.

This company is poorly organized. Physician offices go in and out of network at random, they claim. I have had 3 separate dr offices, including my son's pediatrician go out of network unknown to the dr office. They paid out for the whole year of 2017 to this office, and then told me 3/2018 that the office was out of network since 1/2017.

WHAT A WASTE OF MONEY/PREMIUM COSTS! You proportionately have insurance, but it just does not pay the providers so more costs back to the consumer,

Meritain Health cant explain their payment reasoning to the consumer. The adjudication takes months to settle a claim, and then it's really not settled to the benefit of the patient. Being a TPA allows these bandits to skirt all clean claim laws in the state I live in. Out of network consideration is below area averages and then the cost is thrust on the patient/consumer.

I was diagnosed with DCIS. This year had surgery 7/19/2018. They didn’t cut me a check until July 25. I was off work since 6/25/2018 prepping for the surgery. Had to take 2 EKG before I qualify for surgery with heart issues and they denied my claim August 19. One month after my surgery and my body haven’t heal enough to even start radiation they claim they need more notes from my doctor when they clearly fill out all forms about my condition. I guess cancer go always after surgery. To them no more treatment is necessary!! This have kept me from healing as fast as I could. I believe because they have stress me out more than the cancer.

I wish there was an option to give them negative 500 stars. Aetna has been an absolute nightmare to deal with. Never in my life have I had problems with a health insurance company until I went on Aetna. I have a few autoimmune diseases and treatment includes monthly infusions. My previous insurance, Medica, (which is wonderful and I highly recommend them) covered it with no problems. Aetna refuses to cover it, says it's not medically necessary, yet these infusions basically keep me alive. Aetna would rather pay for me to be hospitalized on a monthly basis and receive the infusions there than pay for them on an outpatient basis. Where is the logic in that? My provider's office forgot to call for a preauthorization and I got charged several thousand dollars for a service. My policy states that if the provider doesn't call for the preauth, I do not have to pay.

I rarely go to the doctor, but anytime I have if my doctor prescribes me medication that I NEED, tests to be ran, procedures, whatever the case may be... I am denied EVERY. SINGLE. TIME. By Aetna insurance. I have shingles currently, I was denied antivirals today. I had bursitis on my right knee that grew to unusually large grapefruit sized lump, I mean it was huge. I had to carry this around, sometimes waking in excruciating pain because they kept denying for just the MRI to be done, which per their guidelines is required before the surgery.