Aetna Health Insurance

I have Aetna Max Choice Gold with a high deductible. The good thing is that Aetna is accepted most places. But all prescriptions and non-preventive office visits are subject to deductible which means you pay the whole contracted price of the prescription or visit instead of a copay or %. Another downside is that they seem a little disorganized on the back end at times. Overall decent insurance if you have the $ to pay your deductible.

I’m not sure if I’m doing the right thing by paying for Aetna with my Medicare coverage. From my teaching pension, I was getting BCBSM, and I see a big difference in the amount of copays, but I don’t know whether or not it’s worth it. I do have a lot of health issues which stemmed from breast implants, but I had them removed, and still have some issues leftover.

The coverage has been decent. Customer service is another story. They don't know what they are talking about. I called in to find out the price of a drug that was not a formulary drug. I was quoted a price and as a result decided to use GoodRX. When I went to pick up the drug at the pharmacy the pharmacist informed me that my insurance price actually was cheaper than GoodRX. That was not what I had been told, this price was about $40 cheaper than what I was quoted. My opinion on this is quite simple. If you are the person on the phone quoting drug prices for a particular insurance plan GET YOUR INFORMATION RIGHT!!! Some of us out here are counting on that information. I was NOT HAPPY with my experience.

I have been with Aetna Complete Care for over a year. It has saved my life and has kept me out of assisted living so I can live at home. With this plan I have home delivered meals, a home health nurse and aid. The plan also includes a care manager with Aetna that helps me with anything I need. I suffered 3 mini strokes in the past 5 years and had a right knee replacement back in February of this year. I was able to get in home therapy at home instead of going to the nursing facility. I am very happy with the services Aetna has and is providing me with my long term care.

Aetna has a lot of pros & cons. They have a dental plan that pays back up to $1700, reimbursement for dentist. The specialist fee was only $20, with no copay for seeing your PCP. I didn’t like paying $200 for a MRI, but I needed it. Next year it’s supposed to be no charge a MRI. They also pay up to $100 for eyeglasses, and you have the option to join a gym and take advantage of the Silver Sneakers program. Not sure if I will keep them for next year, I need to see what’s being offered.

I have Aetna QCHP through my wife. For some unknown reason, they terminated my health insurance coverage in February, 2021. It is supposed to run through the end of June 2021. The State of IL tells them I should be insured, but Aetna continues to say I am not insured. I have been on the phone with Aetna, the State of IL Benefits, three times and all three times I have been assured the matter is resolved. After more than 3 weeks it is not resolved. This is very expensive insurance. I would give Aetna a zero out of ten rating. If I was grading Aetna, I would give them an F- or a lower grade if there is one.

Run from this insurance company. They are truly not forthcoming with their reimbursements!! I always thought reasonable and customary prices are the same across the board. Nope!!!! Aetna hires a third party called IData that decides what is reasonable and customary. Their reimbursements for out of network is absolutely the worst!

I have now come to realize that Aetna is an evil company. I started a new job and had to change my health insurance. I picked Aetna, knowing nothing about them. I didn't realize that was a mistake until six months into the job. Suddenly, they stopped refilling one of my prescriptions. I called. They told me that Aetna had suddenly decided to stop paying for prescriptions at any pharmacy in the entire country - except for CVS. (I did not know when I picked Aetna that they were owned by CVS). I was spitting mad. It was a mild inconvenience for me - but the principle of the thing is outrageous. They are unfairly, illegitimately restricting healthcare access. They are doing it in a self-serving, monopolistic way, driving people to use their own pharmacy in order to increase profits at patients' expense. That has me spitting mad.

I’ve had Aetna Better Health of LA for over a year and have never actually got to speak with a human being. I have called every number I can find. They have an absolutely useless recording at the number they give out. The recording will tell you that you DONT need a referral -which is a lie because all health care practitioners tell me Aetna Better health absolutely requires a referral. There’s NO LIST of approved doctors either. You just have to call every doctor In a hundred mile radius and ask if they will take ABH. ABH will not email. They have an obnoxious portal that takes days for a generic useless response from an answering service that will definitely be inaccurate.

In January 2020 I switched from Aetna to another carrier. Aetna didn't cancel my coverage as requested and continued deducting over $300 a month for premium. I thought this was my wife's insurance premium so it was paid. This year we both went to a zero premium Medicare supplement. When we were still billed the $300+ premium in January 2021 Aetna was contacted. They owed us over $4000.00 for premiums we paid in 2020. For 3 months we have had to constantly fight with Aetna to get our money even though they admit it is owed to us. Aetna keeps promising payments were mailed but they never come. They are either unbelievably incompetent or unethical. Either way, we will never choose Aetna insurance again!