Aetna Health Insurance Reviews

Husband had to have surgery. Did our best to get referrals for specialists leading up to it. Claims folks kept nitpicking but eventually paid. He was cleared by Aetna for surgery. He has the surgery and then the hospital submits the bill. Suddenly they start to second guess and we had to send his medical records. Now their nincompoops are claiming the surgery, which had been pre-approved, is now not medically necessary and we have to pay $45k ourselves. So now we have to go through a lengthy appeal process and contact doctors and meet with their appeals department. And all this to happen during the work day when I am supposed to be, you know, working.

Aetna deserted me in my hour of need. I am 75 years old and was very active till I started having back pain shooting down my right leg. I could not drive, bike, etc. About all I could do to relieve the pain was to lay on the floor. I could not even attend church on Sundays. My orthopedic Doctor requested an MRI to determine treatment and it was denied by Aetna. Aetna suggested physical therapy and I went. The first thing I heard at PT was "do you have an MRI." So it has been about 8 months of pain. Over the last 10 years I have paid into Medicare over $40,000.00 in monthly payments and Aetna denies a Doctor requested MRI.

Every bad thing you hear about insurance companies is represented by Aetna. I received an approval letter for a treatment. The medicine they approved was not carried by their required pharmacy. After many hours of contact trying to get an explanation of why they would approve a medicine and require me to use the pharmacy that doesn’t carry it I was told that there was a specialty pharmacy that did carry it but that they couldn’t find the approval. I offered to email them the approval I was sent. I was told that they would override whatever was out there and approve the medication.

I had 3 different doctors recommend an MRI, it was declined by AETNA EVERY SINGLE TIME. I had it done anyway, because I care about a Dr.'s recommendation. They clearly don't. BASED ON MRI FINDINGS, a CT Scan was recommended, which obviously was declined. I had to file an appeal in order to get it approved by AETNA. Total waste of time over and over again. I have been requested approval for the MRI since April 2022, we are in July, 3 months later, Stella L. is not working today... Or any other unacceptable excuse.

This is the worst plan for providers to become credentialed. I have credentialed 6 providers over the last year and only 2 have just been approved. Credentialing is easy but waiting on Aetna is the worst. They credential fast. You see the patients then they won't pay the provider stating they are waiting on the contracting specialist to add them to the roster. So if you plan on being a provider expect a waiting period to get paid way over 1 year then they stale date your claims.

Tried and failed 3 times to get a simple cardiac stress test authorized. I had to cancel THREE appointments. They will blame their vendor Evercore, but I contracted with Aetna, not Evercore! The worst! Would not recommend to my worst enemy!

I switched to Aetna CVS Health Insurance in Jan 2022 and the benefits summary appeared to be pretty good. What I didn't realize is that they want to decide what medications I take even at the objections of my doctors. We have spent 2 months requesting prior authorizations, appealing, appealing again and all they say is NO, try an alternative that we (insurance company) likes better. How can an insurance company be allowed to decide what medicines are right for me? This is completely backwards.

I had Aetna 2 years in a row. I was promised my monthly free med when I signed up, it turned out I had to pay $100/month copay, I appealed but it was useless, the powers that be insisted I keep paying the $100/month copay. I had to pay $250 copay for an ER visit, $5/ month copay for a monthly test, $140/month copay for a sleeping pill, $600.00 copay for a Cardiovascular drug performed during a stress test, that's a lot of money when you're on SS.

Aetna denied me getting a crown on a broken front tooth even though I have 50% coverage in and out of network! I pay them $140 a week! Why?! Just a bunch of thieves! Run as far away from this company as you can!

P.O.A for my mother who has dementia. They can't seem to find the P.O.A document that I have sent over several times and which came with the application. Now they've hired people offshore, a no-no in my book when it comes to sensitive information. Bye-bye Aetna.

Aetna Health "Insurance" reps chat up your HR department with promises of lower group insurance costs with no loss of benefits to the employees but instead employees are required to not only pay sizeable shares of premiums, but high deductibles, and co-pays which effectively add up to no one earning under $68,000 per year can afford even an annual physical with tests. A real life example of this nightmare is when the employer offered a "complimentary" on sight dermatology screening.

On 11/11/2021, my neurologist conducted EMG, MRI and wanted a Myelogram done. I have a severe condition that affects bladder retention, my ability to walk and my balance. I had difficulty getting a specialist referral PCP, Memorial Hermann Southwest told me the Radiologist had to approve it that not true. Due to having to escalate simple issue, I decided to switch plans for 2022. I feel the issues are directly dictated by Aetna because they do want to pay for service when member changed their plan. Aetna gave the appearance of assisting and basically is dragging out the process until 2022 plan begins. It is scary to think that Aetna would place a member’s health in jeopardy to save money. Also, penalizing the member for changing plan.

I proceeded to go to an out of network dentist Aetna told me to pay the hundred dollars and I will get reimbursed. Three months later they finally approve $100 and they send it to the provider instead of sending it to the customer. No agent has any idea what you’re talking about. They tell you they taking care of it and they just hang up. I got disconnected four times because they did not know how to solve my problem so they just hung up on me. This is the worst insurance company I’ve ever dealt with. Good Luck If your place of employment offers this insurance.

After my first year of service with Aetna I would never register with them again. Their copays and deductibles are terrible. They are a reflection of how broken the US insurance system is. It's pretty much not worth having insurance through them at all, you may as well just bankroll savings or switch providers instead of giving funds to these frauds.

After turning 65 a few years ago, I had to find supplemental insurance. I started with Humana. Being a low income person, most of the services were low costs and low co-pay. My 2 medicines were also free. I talked to someone who said my rates would stay the same for a year. In one word...LIE. After 3 months, my rates went up nearly $100 more a month, and I was STUCK until Nov, due to Obamacare. Then, at the same time, my cholesterol med changed from zero to $8. I called and was told that medicine was reclassified to a higher level. I protested and said it was not nice that I have to pay $8, while their CEO was making $220 million, and asked them to remove that med. I found a website that charged me $10 for the same med, but was glad to change. BOTTOM LINE: In Nov, I dropped inHumana, and tried Aetna. This will be my 4th year (they now added vision coverage), and I am satisfied. My 2 meds (now 3) are still free. Thank you Aetna.

They take forever to process claims/reimbursements. They will deny your claim for the smallest of details. Deductibles are extremely high. HSA spending is not worth it. Customer service is friendly but often times not helpful. It’s so bad that I’m actually considering changing jobs because the health insurance is so bad.

I am a current customer and I am beyond frustrated with this insurance company. I always have to call customer service to get my medicine approved even though my doctor said it is medically necessary for me to have the medicine. Aetna also took 10 days to preauthorize my MRI & now they are denying my surgery stating it's not necessary. Currently I can't sit for more than 10 mins, I can't walk far and I have a Limp, and I can't sleep through the night because my back and knee is hurting that bad. I guess this insurance company would rather I become crippled and have to pay for insurance claims the rest of my life instead of approving my back surgery. What ever happened to Quality of Life?

Aetna Insurance has been a great help to me. I have never had any kind of problem with the insurance or anyone that I have had to speak with. They have been extremely helpful in answering all my questions, even the dumb ones. They helped me understand how everything will be going for me after being diagnosed with lung cancer. Caring, understanding and helpful. Can't get any better than that.

I have 3 denied claims that should be denied. 1. Before I started order my 1st breast pump with Aetna, I called Aetna to check if it will be covered. The Rep said yes. All I need to do was login to my account and follow the steps and order the pump through Aetna partnership. It was in April 2021. I got the pump but my claim shows "denied". I've been calling so far 5 times and the Rep kept saying it should be covered and they said will push the document again, asked me to wait 7-10 days. Still, it shows "denied" until now, which is end of August.

My husband had an accident and was in three hospitals for a total of nine weeks. After our $3000 deductible, everything was covered 100%. This was one less thing for me to worry about while he was recovering and not working.

My wife and I have recently become more physically ill at 79 years of age and so we have filed more claims with Aetna. Aetna has responded quickly and paid for much of the charges by our family physician, our eye doctor, and my urologist. I am very happy with Aetna's providing of these charges.

Excellent customer service experience every time I connect with rep either online or via phone. Additionally, the website is very intuitive. As far as information is concerned that will guide me when I am looking for anything pertaining to my health insurance info or providers.

I started experiencing health issues in February and still haven't been able to get the help I need and it's July. yes, half a year. The amount of "positive reviews" on here feels fabricated. I live in southern California with 4 surrounding cities all within 50 miles of each other... Yet I have to drive 75 miles out of my way. I'm not paying the bottom of the barrel coverage mind you. Personally, I feel it would be worth going to someone that initially sounds more expensive. Like Kaiser the service you get with them is worth what you pay.

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!

The guys I've been receiving emails from are very nice and responsive, in general if this review great would be based on Customer Care, I'd rate it 10+ stars. But: 1- Just too expensive. Comparing to BUPA, Allianz I had before (working for the same company; they've never got back to me why they've changed providers) like 13-15%. And their lists of benefits were longer than AETNA's. 2- I've been exchanging emails with their Claim dept. for days now. Apparently, vaccination for kids is not part of my coverage. Not for COVID. For MENINGOCOCCAL MENINGITIS A, C, Y! & W. Sorry for being sarcastic, but I was shocked: at the early 21st century!

We have had a high deductible policy for a few years with them and things were going smooth so long they had to pay nothing! Once, my husband's renowned cardiologists (my husband is a retired cardiologist himself) had him do a CT angio after a positive stress EKG test and angina pectoris, and the bill exceeded the deductible ($6000), they denied the claim and the appeal stating contradictory statements where they acknowledge he is a high risk patient but the procedure is not indicated. So, what is indicated? Well, they don't tell you that. For sure, we will be changing Aetna next year. Hope the big company my husband works for now has better options. Also, will make everyone in our surroundings know about this. Thanks for nothing!

Aetna is simply a trash company. I did my due diligence and spoke to their "fully trained" concierges to make sure acupuncture was covered before starting treatments. I was told (by more than one concierge) that acupuncture was covered – no conditions or caveats were given to the acupuncture coverage. Lo and behold, after 5 or 6 treatments, the claims were denied. I went through all the appeal processes and even lodged a complaint with the Commissioner of Insurance Office. I’ll give Aetna credit, they held firm and denied coverage at every step of the way (it's clear money means more to them than anyone's health or well being). What offends me the most is that Aetna did not take any responsibility for creating the problem.

This is the worst insurance company. You pay a Fortune out of pocket only for them to tell you, not a doctor, that surgeries won’t be covered Medications won’t be covered and they constantly lie about how much of your out-of-pocket max has been met. When it comes to Medications the insurance company decides what Medications are good for you not a medical professional. It is an absolute disgrace.

I am an expat, living overseas and have used this coverage for the past two years. I was very careful in reviewing and comparing plans, trying to get one that would cover virtually everything beyond a $1000 deductible. Unfortunately this plan has not lived up to its benefits package claims. I submitted $2,294.70 over the past year, and was informed that I was only eligible for slightly over $200 in reimbursements.

Bought a $15,000 health insurance policy from Aetna International and was told medicines would be covered. Up until now every single claim has been denied. These people are crooks and their CEO belongs in jail for fraud.

I was told initially that the MRI office I scheduled an appointment with was in system. The earliest appointment was more than a week out and I took it. The day before the appointment that office messaged me to say I had to reschedule because Aetna had not approved it yet. I called Aetna to double check in case there was an error. The automated menu cut off the call every time while I was in the middle of it, punching the correct number to go to next. I finally went to a free wi-fi down the street to go online for contact. The person I got told me there is a 15 day wait on certification! I asked why it was instant for the first referral appointment but now takes 15 days for a second referral appointment! That is horrible customer service and horrible patient care.

Aetna offers a low premium compared to other companies, reliable payment to providers via automatic crossover, and they haven't raised their rates in 3 years. No hassle on my part so I will stick with them.

I had Aetna insurance years ago and had a wonderful experience so was excited when my spouse's employer (HCA Hospitals) offered Aetna coverage. That soon changed! Their website is HORRIBLE and you can't do even basic things online, such as choose find a list of healthcare providers for the HCA plan or choose a PCP. Customer service is horribly unhelpful too. After a few weeks and multiple emails providing directions on how to find the list of PCPs and how to choose the PCP online, they finally admitted that all of the information they had given me was inaccurate and that you couldn't do either in an online account! It took weeks of frustration and inaccurate information to arrive at that point though. I'll be moving to a different insurance provider and dropping this coverage as soon as it's possible and would warn anyone considering Aetna HCA insurance to be very careful about signing up for it. They promise a lot and then don't deliver.

I have tried several Medicare supplements but have found Aetna is the BEST. No cost to me at all and the coverage is well above what I have expected. They have several different plans to choose from, in the last 2 years I have been very impressed.

I've had a good experience with Aetna, It may not cover everything but their customer service is excellent. You can always get through to them. They call regularly to see how you're doing or if you need help.

Competitive rates, widely accepted by physicians and hospitals, low co-pays, fast claim approval, dental reimbursement, easy to use website, broad drug coverage, free at home medical review and assessment.

I have a great agent. Best benefits overall offered in my area. Other plans lacking in the extra coverage that is covered in my Aetna plan such as dental and eye care. I really need those options benefits.

Been online with four different numbers under Aetna's customer service - transferred around now for over 60 minutes and still waiting. Miserable. I was waiting to change a plan within their new Silver Script program but am now waiting to cancel altogether. Uggghhh.

Arguably the worse heath insurance in the US. My company signed with Aetna for a supplemental Medicare. What a mess. I got my yearly monogram when I could, as it turns out 3 days before I was eligible. Now I was lucky to get an appointment with this entire pandemic crazy going on. I explained this to Aetna, and appealed and still got rejected. Now I have to pay out of pocket 700 dollars. It seems that the yearly mammogram has to be on the exact same day you got one last year. So in 2021 my due date is a Saturday, so I am out of luck as the imaging centers are closed. These fools would pay hundreds of thousands to treat Breast cancer but are too cheap to pay for a mammogram 3 days early. A company clearly run by idiots.

Aetna customer service is good but their rates are high & we don't use services much because of copay costs. We liked the old HMO that covered everything. The dental coverage is poor as they choose the lowest quality dental providers for us to choose & we might as well pay out of pocket for one we like. We have put off going for that reason.

Not bad but not perfect. They all have to work on taking care of their members. Without making them jump through hoops just to be able to ???? a doctor. And make easier for customers to reach someone whenever they have a question.

It was the lowest premium price based on cost and deduction and coverage among insurances but still very expensive to pay and spend medical costs even with non-pre-existing conditions. Very disappointed and almost useless.

For the most part, I am privileged to have an employer sponsored health insurance that meets the needs of my family. If I were to purchase health insurance through the market place it would cost me upwards of $1K. I also don't require any referrals and Aetna has a good network of participating doctors whom I can see whenever I need their service.

Diversity in Doctors is lacking. Wanted to find a particular dermatologist to address some skin troubles, preferred a person of color as they could related more specifically to my problem. When asked, they said they could not help.

It's a standard US health policy. Costs about $20 a week and pretty much gets you in the hospital door. After that you're on your own. But you need it otherwise most hospitals will let you bleed out on their sidewalk. I've experienced this personally so I know the cost of not having even poor health insurance.

Aetna coverage is moderately comprehensive and payments are made to health care providers in a fairly expeditious manner. Co-pays are comparable to other health insurance companies and prescription coverage is great.

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.

My company switched from Blue Cross/Blue Shield and I believe we had I feel like we had better health insurance. We now have Aetna and prices are higher in copays and medicines they cover. As for doctor visits the network is broader than I thought so that is a plus. Everyone seems to take Aetna including the doctors I previously seen.

I had to cancel because my family and I had a family plan and paid around $9,000.00 with vey high deductible; I had a procedure which I was told that the insurance would cover, and till this day I still receiving bills that Aetna did not pay. And I am sorry to say but all insurance companies plans are way too expensive, impossible for middle income families to obtain.

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 never had any issues with my Health Insurance. Whenever I needed to find a physician or specialist the customer service representative are always helpful. I have never had any Bills left over from my procedures.

I had an issue with a referral I had gotten to see a Ortho Doctor about surgery. When I called the Doctor's office, they said it would be out of network. I contacted Aetna and the rep, called the Doctor's office and corrected the issue.

Terrible customer service. When the president of the United States said no one can be dropped for health insurance during Covid Aetna decided that didn't apply to them and dropped me April 8 2020 for missing 1 payment. I didn't realize I had missed a payment. I offered to pay and they said, "No you're dropped." And then refunded my prior month.

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.

If I could give them no stars I would. They are trash, I have had both Optima and Aetna in Virginia, and my personal opinion, optima is way better. You have to jump through too many loop holes just to get a prescription that requires preauthorization with aetna. And you can't even speak to the department that does the preauthorization.

I have been a member with Aetna for about a year. I am completely satisfied with their health care coverage. Just a shoutout to Aetna. I just received a free box with many items like toothpaste/toothbrush/floss, hand sanitizer, bandages, and many other items. This tells me a lot about Aetna. They care about their clients in this difficult time. Thank you for your kindness.

Aetna Health Insurance is trash rate insurance. They could never compare with the UPMC plan I had prior to this. Do not sign up for this insurance unless it is crammed down your throat like it was in my case. If given the choice I would never have chosen such a terrible health insurance plan. You will end up paying more out of pocket expense with this health insurance.

If you have a choice, don't choose Aetna. Aetna declined chiropractic care previously approved by Highmark for years. I am looking into the open market for insurance since it will be cheaper than what I self pay with Aetna.

Aetna imposes a lot of limitations on providers and provides with poor reimbursement. This is affecting our ability to provide quality care. In addition to this their customer service is outsourced overseas and of very poor quality. They are presenting with significant language barrier which is making communication very, very difficult.

I switched to Aetna last year from my husband’s insurance plan and this is hands down one of the worst financial decisions I have ever made. After paying thousands in premiums, I pay hundreds in out of pocket expenses for every diagnostic test that my Primary Care Physician orders. I have to spend hours on a phone call with them and then they’ll accept that only some of the claims were denied in error. I cannot wait to switch back to a better insurance plan. If you have a choice, do not go with Aetna.

I have had nothing but the worst experience with Aetna. From issues when signing up through my employer to claims being denied (for no reason AT ALL), total lack of customer service and delays in processing even after calling and trying to get claims addressed. My daughter was born with a health condition, and never once did we ever have issues with other insurance companies, no claims were ever denied, I was actually assigned a nurse case manager with my other insurance. This isn't even an option with Aetna, I asked. I am exhausted and disappointed by the pathetic service, meanwhile they make hand over fist and their customers pay the price.

I just join this year with Aetna, did my research to make sure my PCP was in the network an all. Now they sending me a letter in May about the provider not being in the network as of Aug/2019. I joined Aetna in Oct/Nov. 2019. talking about I can still see the provider... by paying more money out of my pocket! I am on a fix income. Dont have money to throw around. I would not recommend them to anyone! their info is not correct, unprofessional to me! Wish I could give them a FAT 0.

I am having horrible experience with Aetna. I went to multiple service providers for my family members and given my Aetna Card to them, they check it in their system and say that yes they are in-network with Aetna and had to just pay the copayment. Later I receive hundreds of dollars of bills, when I checked the same with Aetna they say that the provider is not in network. I believe that multiple service provide can't lie and tell the same thing, what it means is there is something incorrect or Aetna provide misleading details to service providers which is passed on to the patients.

Aetna Medicare got to the point 2020 they refused to pay for almost every medical procedure. Denied all medicine. Pay for some that make no sense and you're making medical calls whether or not I can see a doctor. They actually told me that, "We are a HMO. We have the right to decide whether or not you can see a specialist. If we don't want you to see a specialist we have all rights to stop you from seeing any doctor we don't want you to see." I had to contact Medicare so I didn't have to be their patient anymore. They don't actually like paying for medical services at all. I was with him for 5 months. Started receiving all bills and they were supposed to pay for them. They always find a way to wiggle out of paying for your medical even though you're paying them money.

I have two special needs children, and they both receive multiple therapies a week. We transitioned to tele therapy because of COVID, and were told by Aetna copays were waived for all tele therapy sessions during this time. Now they say they aren't and I am being stuck with a giant bill retrospectively. I have learned over the years that Aetna never gives the same answer twice when you call to discuss coverage. I should have known better than to believe them.

My dad had to have triple bypass surgery 3 years ago and my parents had Aetna. My dad was in the hospital about 4 days then sent to another rehab/recovery facility. Aetna decided he needed to go home after 2-3 days because who needs ample supervision and care after major surgery like that? All his doctors and my mom had to fight with these "people", I use that term very loosely, to keep him there as long as he needed.

I’ve never written a review of a health insurance company before. However, having Aetna has compelled me to do it. It’s horrible, but unfortunately we are stuck with these guys via my husband’s job. Getting an approval for a medication seems to be just about impossible. The drugs my husband has to take for his condition require a prior authorization from his doctor. This is where you have to brace yourself. The faxes get lost, and I end up being transferred to five different departments etc. And guess what? In the end they still deny you for no reason.

I have had Aetna for 4 mths. In this time, most of my medications have required preauthorization, or I have a crazy high deductible to get name brand medication. Once the RX deductible is met (meaning the customer pays out of pocket for everything before insurance pays toward cost), they then have the right to deny me the medication once they have to participate in paying towards the medication. I was transferred for 48 mins to different departments to try and file an appeal...I never reached the right department and then I was finally put back into the main system w/ no direct transfer. I hung up at that point. When you call for basic benefit help, you get routed to outsourced workers in countries like India, making it hard here and have to wait on that annoying delay.

I have been a customer with Aetna for over seven years and have yet to have ONE satisfactory experience with them!

I Have their Gold plan and have a $6k deductible. I paid them almost $20k last year and went to a doctor twice, and only for routine physical and the second time to review lab results. Recently broke my leg and these guys don't even cover the boot for my leg. So far, they have covered almost nothing in my couple years with them. Not sure if this is just Aetna or just the American Healthcare system, but someone is failing. If it weren't required by the feds, I would drop these guys immediately.

I use an asthma inhaler. I called in a refill only to learn, on a Saturday morning that Aetna would no longer cover it. Aetna is closed on weekends, so left without critical meds. Why did Aetna not provide me with advance warning? I never experienced an issue like this with my prior provider.

My father was admitted to the hospital and then the doctor ordered rehab at skilled nursing facility. Aetna denied the claim. The hospital sent an expedited appeal. Aetna claimed they never got the most recent report. My father's deteriorating in the hospital, while the hospital fights with Aetna to get approval. The case manager said Aetna is notorious for denying referrals. Avoid Aetna like the plague!

No matter what the answer is NO, not in this lifetime or any other. They did not follow through, did not keep their word, did not provide what was fair and reasonable and DENIED EVERYTHING that cost me a fortune because they ALWAYS SAY NO. TOOK THE PROBLEM HIGHER... RESPONSE... NO. Was supposed to have a patient advocate... did they help, NO. The most dishonest, conniving, irresponsible, lying, useless health insurance company on the planet. DO NOT GO HERE. You will lose. Time, money, patience and anything else you want to achieve will never happen. They are horrible, horrible, horrible.

This company is so terrible my provider just dropped them, after 2 years I need to now shop around in network and rebuild the medical understanding of the last couple years. Let's reflect on that Aetna, you're equally atrocious to patients and doctors and every time I drive by your ridiculous castle off I84 in CT I'm reminded of how much money you're making and how goddamn poor of a job you do for the citizens of this country. You suck.

Called customer service in order to make doctor change. Javier located in Fla was not able to understand English, repeated a few times still, going off in another direction. This was the English line, not the Spanish, when I mentioned he is not following what I am saying, he said "Jesus!" and added some expletive, then " I will transfer you to someone else."

We took my husband to an Urgent Care for cellulites only to find out the co-pay for urgent care is $175. If we would have utilized a "Walk-In" clinic, our co-pay would have been $35. When we spoke to an Aetna agent, the only Walk-In clinics in our area are Minute Clinics inside a CVS. There are numerous Urgent Care centers in the area. So I have an option to visit a CVS for $35 and visit a non-doctor or pay $140 more for a doctor. This seems absurd to me. Why make it difficult to visit a doctor.

Saw a dermatologist (who I've seen for many years) in Sept. In Nov. I received a letter from Aetna saying they had made a mistake in processing the claim - which wasn't processed until Dec. At that time they claimed the doctor was out of network. I spent an hour with an Aetna rep who determined he was in network and the claim was reprocessed correctly. In late Feb. I received a bill from the dermatologist for 350.00. Apparently, Aetna asked the doctor to return the previously issued payment. I called Aetna. Spoke to an inexperience representative who repeatedly told me the doctor was out of network. I pulled up the Aetna website where it clearly showed the doctor in network. I was told I would need to file an appeal but that she didn't think it would be approved.

I've been trying now to get a couple of completely valid routine wellness check up medical claims paid for two of my dependent kids. Date of service was last Jun 2019. It's now Feb 2020 and these bills are about to go to collections. After MANY times of calling in and holding for a good hour, I was given the same run around each time. I provided the additional information they needed to process the claim, which was ridiculous in itself. To make a long story short....they will do anything to avoid paying a claim in hopes you will just give up. I can't say enough bad things about my experience with Aetna. At this point my recourse is to consult an attorney. If you can get insurance elsewhere run!

I signed up with Aetna Medicare in November 2019 to start Jan 1 2020. Was in need of three doctors. Primary, Gastroenterology and Pulmonology. Went to Aetna website and picked out a list of six doctors. I called all six and none of them participated in Aetna Medicare. I called Aetna multiple times and their end answer was the system needed to be updated with the most resent doctors participating. Needless to say how unacceptable this is! This is February, the system should have been updated in January. So disappointed that I am stuck with Aetna for a year.

My main reason for trying out this plan was to have a battery replacement for my spinal cord stimulator. For about 20 years I’ve been on plain Medicare, but it was/is going to cost over $4,000, and the plan I thought had a $280 ambulatory service copay. Turns out, it’s $375 ish or close to it. It became active on January 1st of this year (2020).

Called to confirm surgery. Told by first 3 of 4 service reps I no longer was covered. 2 hours on phone to get correct response. Also, told I needed to see primary physician for PT coverage even tho I had letter of order from surgeon dr. Wasted time and $ on appt with primary dr even tho not required under managed care policy. Told last yrs PT covered when inquired but refused partial pay when bill submitted. Terrible service with usual incorrect info when requested.

This company is a Awful and horrible company to deal with. They have no communication skills and Credentialing dept. and provider services are off-shore reps that don't know how to spell out the next word they are saying. Whatever question I have the answer is 30 Business days. I am waiting over a year for some requests and the wall is a better thing to talk to. Don't deal with these slow people!!! Contradicting info provided by the reps looks like they are all working under their pillows!!!! Pity zero stars is not an option to rate this company. They don't even deserve the first star!!!

Rates went up 100% for me in 2020. My insurance premiums were $156 per paycheck in 2019. Now in 2020, my premiums are $300 per paycheck. Also, the plan doesn't cover much. My wife just had a baby and I still have to pay about $6,000 out of pocket.

Dr. said, "You need an MRI," but said, "They (Aetna) wouldn't pay for an MRI unless you get an xray first." Then aetna wouldn't authorize the MRI because, the xray didn't show the problem. The problem the Dr. said she wouldn't be able to see in an xray, thus the need for a MRI???

One of the worst insurance companies. First the hospital sends me a bill when Aetna was supposed to cover me. Then when I call aetna they agree with me and call the hospital to get rid of the extra charges. Few weeks later another person from aetna calls and claims there were some fine prints which we did not read and you have to pay the whole amount. Does not matter if you buy their platinum, gold or silver plan. You will end up paying for everything.

I switched insurance thinking that Aetna was a better choice for me. I was totally wrong. I am an individual with chronic pain, stenosis, degenerative bone disease, rheumatoid arthritis, fibromyalgia, spondylosis, and post-laminectomy pain syndrome. I TAKE ** and will be taking in addition ** to alleviate the unbearable pain that I live with. Well, this company has chosen to brand me and NOT cover the OPIOIDS that I so much need and that I have been taking without any shame, for nine years, they think that people that take those medications are junkies.

Worst insurance in USA: So confuse, all refers are denied. Very difficult to call offices. You get from CVS the over the county stuff that neither the CVS workers want to buy, terrible everything. If you get Aetna with Chen Clinic as as your health provider you are going to be in hell (el infierno) both are an evil combination, Chen doctors are fine, they do their best but the administrative process from Chen Clinic headquarter are going to make you sick back again. I will comply with the Social Security, Insurance Commission, Better Business Bureau, and the Attorney General. In fact I maybe will record all the terrible bureaucracy about this mediocre insurance and Chen Clinic Headquarter. Muy malos los servicios telefónicos en español.

I was a lifelong member of Aetna Better Health. My primary care physician left the network. I spent days going through mind-numbing voicemail screening only to repeatedly be provided with a list of physicians that was obsolete. When I phoned an office I was either told that the physician “is no longer in the network” or else that the facility as a whole “no longer accepts Aetna”.

My husband and I both selected Aetna for our Medicare advantage plan for 2019. One of our primary considerations was dental care that we both needed. This plan allowed for $525 in reimbursement for any dental services. We had no problems or concerns for general medical services with our PCP, referrals and prescriptions. For that I would give them a 5. But I needed dentures at a cost of $1500. I knew that Aetna only paid $525, but that was a significant help towards this expense. I sent my receipt and documented services to them in October. I followed up a few weeks later with them.

I signed up with Aetna Insurance this year because of the hearing aid benefit, $1250 per ear, advertised on Aetna's Website members benefits for hearing aid. They're purchased from a Hearing Aid Supplier-Hearing Care Solutions that is being represented by Aetna for the hearing aids benefit to purchase them. It's a bait and switch scam and fraudulently aids & false advertising. Turns out the $1250 per ear is not true of what Aetna advertised benefits are. Hearing Care Solutions states it's only $950 per ear, that Aetna's clients ordering hearing aids from Hearing Care Solutions. Nowhere on Aetna's or Hearing Care Solutions listing benefits page for hearing aids- does it show which hearing aids consumers do or do not qualify for- Hearing Care Solutions Management says that Aetna Clients do not qualify for a $1250 per ear, only @ $950 per ear.

My doctors at UNC hospital recommended TMS treatment for my severe, treatment-resistant depression. Aetna denied coverage of this treatment because I am 20, not 21. I turn 21 later this year, and the FDA approved age for TMS treatment is 18 years old. I am within the medically recommended age limit provided by the FDA and doctors at my hospital and in the field. My doctors attempted to file an appeal, and were denied a peer-to-peer review for my case.

Can't get straight answers. I have Humana and never had these problems. No one recognizes my member ID when filing claims including flu shots as well as blood work. I have tried calling customer service and cant get a straight answer.

I was calling from a provider's office regarding a claim that was denied because of 'gender-mismatch.' This patient's claim has been accepted and fully covered for 6 times in a row and this 7th claim is suddenly denied because of the patient's gender is mismatched? This is a terrible excuse for not getting jobs done properly. The patient's coverage has not expired, still eligible, and the representative kept repeating the information I gave him in arrogant manner. Clearly did not know what he was doing and didn't even have willpower to look up what went wrong. Name of the Representative: Richard. Ref#: **.

I have been using a generic version of my asthma medication for months now and paying a reasonable $15 copay since I switched jobs this past summer. I received notification in December that this generic medication would no longer be covered and that I would have to use a brand name versions that are now going to cost me $200 a month. I called and spoke with a representative who couldn't provide any valuable information about what my other afordable options were. The call with their rep was a complete waste of time. Two of the three drugs on their "preferred" list are for COPD only and cannot be used for Asthma, so these are NOT even alternative options for my condition. So, even though there are generic, reasonably priced options available in the market that I used to be able to purchase (with the same plan), I now have to use the most expensive options on the market, so they can all make their money by taking mine. Beyond frustrating.

Floridians DO NOT CHOOSE AETNA insurance especially if you already have AV-Med Insurance in South Dade County. We have been fighting since Jan 1 to get to our Cardiologist, as both my husband and self also have loop recorders. No Doctor is monitoring us since Dec 2019. Doctors have cancelled appointments due to lack of PCP showing on our records. Our Primary DR. Cindy Mitch ** is in their plan, but technical difficulties stop her referrals. Our agent after over a month can not help us. The customer service no. refers us to that special Florida customer service no, because of all the problems with this new Florida Plan. No help there either as we are unable to register and no one in the meantime is watching, listening to us.

On December 13, 2018, I was in a no-fault scooter accident in Quintana Roo, Mexico. I was transported by ambulance to a local island hospital and then moved to to a hospital in Cancun where I received Emergency Care due to the extent and severity of my injuries. In Emergency Care, I was diagnosed with a concussion without loss of consciousness and it was noted that I suffered multiple contusions to my body including an injured right leg and knee. This required a two day stay (December 13-15, 2018) that included immediate hospitalization, blood work, diagnostics tests, CT scans, stabilization, observation (had blood on the brain in proximity of my neuro cortex!) and general care.

I have Aetna Insurance through my spouse's employer and pay more in 2020 than 2019 with sub par coverage. I had a procedure of an EEG from 4/23 to 4/25 in my home for Syncope passing out and severe migraines. I received a bill from my doctors office in Jan 2020, statement date of Oct 2019 and the Service was performed in April 2019.

I mailed in my prescriptions in December 2019 and only got an email on January 7th saying they could not fill the dosage written. My doctor wrote me a prescription for 90mg per day of generic ** and Aetna is saying they can't go higher than 60 mg per day. Who are they to change my dosage? Why are they questioning my doctor? Why did it take so long for them to get back to me? I now have 3 days of medicine left and am having to take 1/2 doses while trying to get more. I have spent over 3 hrs collectively on the phone with very rude customer service agents who have given inaccurate information.

We got the policy through employer, Aetna has wrong info. about gender. My employer contacted aetna to change my wife gender as female but they keep on reversing as husband. Because of that all the claims got denied. Worst service ever. Aetna representative told us to contact employer to change the info from their system. We contacted our employer (HR) they did change our info. and sent it to aetna but aetna keep on reversing my wife gender as husband. Worst service ever.

I have called multiple times to get a new insurance card for my newborn baby. Every time I call they are rude and inconsiderate. They aren't helpful and obviously don't know what they are doing. If my employer didn't have this insurance company as their provider, I would have kicked Aetna to the curb a long time ago. The rates are outrageous and the out of pocket amount is much more than my husband and I can afford. I would never use this insurance company on my own.

I am an Aetna Medicare Advantra Premier Plus (PPO) H5522-001 member as of 1/1/2020. Problem 1. The "technical support" group claims they do not have me in the system. Why not? I have an Aetna card with all of my membership information included on it. Problem 2. I went through the website communication process last week but they have not yet responded. Problem 3. When I call Aetna, the phone keeps hanging up. It took me six (6) calls to get through - and I've been on hold waiting for someone to answer for 30 minutes. Problem 4. I am losing faith in Aetna - and I've only been a customer for 6 days! IN SUMMARY: I AM HOPEFUL I DIDN'T MAKE A BAD DECISION SWITCHING TO AETNA!!! How about a little help Team Aetna! Thank you in advance for responding to this correspondence!

Aetna website is beyond useless and unusable. After I paid 2 claims online to the provider, I did the same thing again and this time, it kept complaining card info was invalid. Card info was correct. I triple checked. I tried Discover instead of Visa and same thing happened. Then I started from scratch and entered Visa card again. This time it said payment was declined by credit card company. I called my CC company and they said, "We did not decline anything, nothing came through." I tried again while online with the agent and now back to card invalid error. SIMPLY AWFUL. Also, the site does not work well with Chrome and I had to use Safari. They do not make links open in new tabs. Everything needs too many clicks. The online experience is awful. I hope they make some investments in technology. It is after all 2020!

Our company provides mental health to many patients with insurance. Aetna pays below Medicaid for the state of Virginia. Several attempts have been made to increase our rates. No one at Aetna has bothered to respond, except to send out ridiculous questionnaires, stating they need more information, which they were sent. Calling Provider Relations is a waste of time, as they are clueless. Their English is poor. They know nothing about the network department, and they do not have a phone number for the network department.

We’ve had Aetna health insurance through my husband’s company for the past 18 years. They’ve become progressively worse. For the past 2 days, they played games with us re: filling a Rx that I’ve taken for the past 12 years. Putting us on hold forever several times, transferring us to agents who give us the runaround and do nothing- only to hang up on us, and tell us different stories about what paperwork they have received from my Dr. when we repeatedly send it to them. I take the brand, and have tried the generic in the past, which has sent me into tachycardia due to a heart condition.

The new 2019-2020 Aetna Plans are pure robbery. You must meet the deductible with in-network providers before your coverage kicks in. 3000.00 deductible + 8400.00 premium = 11,400.00 per year before you get insurance. All cost with specialist, behavior, etc goes toward your deductible (at a reduced network rate.) This is like bad dental insurance - which they offer as well. How can they get away with this?

Had to take my husband home from hospital after having his toe remove because of diabetes. Was in hospital for 11 days, doctor wanted him to go to rehab and Aetna refused. We are both 73 yrs old and now I take of him which I am not equipped to do. We pay all this money to Aetna and this what they do. They only care about the money, not the patient. Aetna would not tell why he was denied. Some company they are. Would not advise anyone to use them.

Aetna is the absolute worst company I've EVER had to deal with. Unfortunately my employer chose to move our health insurance from Blue Cross (fantastic company) to Aetna (garbage company). Since switching to Aetna, I've had the most out of pocket expense that I've ever had in the 10 years that I've carried my own insurance. This year for example, I've only met $80 towards my deductible & have spent over $1,100 in out of pocket expenses. This is the last month of the policy period.

Aetna Healthcare provider many companies with ill suited treatment or no treatment at all. Beware, to save money and cut costs, your health is in jeopardy if you are beholden to them for your health benefits. They have a wide practice of denying legitimate health claims in order to secure their future revenue. Do not ever assume that they will do the right thing where your health is involved. The customer is very low on the totem pole and usually ends up being nothing more than one of their casualties. They truly are an evil enormous company promoting clients to suffer needlessly in order to further their own greedy financial gain.

Aetna is the worst insurance company I have ever had the displeasure of dealing with. Unfortunately, through my job I have no choice but to use their insurance. They don't cover medically necessary charges, leaving their customers with high out of pocket bills to pay. I wouldn't recommend them to my worst enemy. If you have the choice, do not use Aetna unless you like throwing away your hard earned money.

Aetna refuses to pay one dime for my hospital bed. It covered everything else at 90 percent. After visiting the ER, I was hospitalized on a floor dedicated to my medical crisis. This hospital unit was designed with private rooms, only. I am being charged $7,200 for this hospital room because Aetna has told me they only cover a semi-private room. That was not an option for me, a semi-private room so, I appealed because none of this was my fault. My appeal was denied. I am absolutely furious that Aetna will pay nothing for my hospital room. I was forced to have a private room and am now getting screwed over for it. I am being told that the hospital has semi-private rooms. So what??!! That has NOTHING to do with my situation which, Aetna REFUSES to consider.

Aetna requires you to have an annual exam and blood work to keep from paying 30 percent more for insurance. Even when you do these 2 items they still charge full rates. Total rip off. I wish we could change plans.

We’ve had Aetna Health Insurance through our employer for many years. Our company switched from another provider which was excellent so we had a good reference. I have spent countless hours on the phone trying to get basic coverage and claims info from their poorly trained reps and they also show little respect or kindness in how they talk to customers. The other day I was told their system crashed and that I’d get a call back. Of course I never got a call and when I explained this to a new rep she did not offer an apology, explanation, was completely disinterested. I had to escalate a basic claims question to the manager which is like pulling teeth, all over her poor attitude and misinformation about my claim. It seems they have a hard time getting info readily - such as trying to find a clinical policy bulletin - which speaks to the inefficiencies and leadership inside Aetna as well.

My husband has a DVT in his left leg and has now been diagnosed with Prostate cancer. As part of his cancer treatment the Doctor has to have a MRI in order to map out where the radiation rods will be placed. This mapping helps to ensure he does not end up pooping and peeing on himself for the rest of his life. Aetna sits forever on the request then turns it over to some horrible lying company called Evicore. They kept delaying delaying and kept lying to me about when they would let us know. They delayed long enough that the MRI had to be canceled. The Doctor says he was on the phone being transferred around for 45 minutes and could not get an answer. Now his treatment is delayed while the cancer is eating away and still we are trying to get approval. They keep delaying and delaying.

I received a bill from my doctor for the bloodwork I had done for my annual physical. When I called Aetna, they told me it was denied because I didn't have the bloodwork done in the required 7 day period. I went 10 days after my physical appointment because I already had a scheduled mammogram at the same place and didn't want to miss more work. I explained that I was never informed that the bloodwork had to be within 7 days of the appointment as I have never had Aetna before and asked for an appeal because they could see I did both on the same day. I then asked for them to send me where it is written in my policy that I had to have the bloodwork done within the 7 days. I was then informed that it is not written in my policy. The 7 day rule is an internal rule.

I've had Aetna Medicare Advantage PPO since 2017. For the first year, it was great. Then they were bought by CVS and now it is a giant hassle to do anything. Fax in reimbursement forms and they go into a black hole. You have to call multiple times, file grievances, call corporate, etc. to get any information at all. Employees are not trained and can give you hardly any information at all. Nothing but frustrating. They don't seem to care about customers at all. Even the hold times on the phone have gotten lengthier. A good company has gone totally downhill. I cannot even find an Aetna agent to discuss 2020 plans. They appear to simply not want customers. It's too bad, as my doctor is in their network, but I don't think I can deal with this horrible customer service for another year.

I've submitted claims via their website, which they claim to have not received and I've submitted claims via the postal service, which they've also claimed to have not received. That is issue #1. Issue #2 is that I have been submitting claims for 10 months of 2019, which have been going toward my deductible and now they say they've made a mistake on that! I have been in constant, monthly contact with the claims area, who call themselves "your customer advocate" and no one in the past ten months has ever said that these claims wouldn't apply. I even have emails from them discussing where the funds would be applied. I am a trained employer benefits person and I can now honestly say that I have never worked with a worse company with respect to employee health insurance.

Aetna Better Health of Ca is a company that leaves families feeling frustrated and hopeless. This company hires anyone to be case management and these people do not know how to coordinate care and above all provide care to their disabled population of clients. Families feel very unsupported by their providers and case management staff.

I was in a car accident that caused 2 herniated discs, multiple bulges, and other issues with my back and spine. Before I could even get an MRI I was told by Aetna that I needed to try physical therapy, which doesn't make any sense because this was before we knew what was wrong. I eventually finished PT and got an MRI that revealed my injuries.

My mother recently suffered a left-brain stroke that immobilized her right side (arm, hand, and leg) as well as her speech. She transferred to a Skilled Nursing Facility where she is improving. Though she is unable to speak, she is walking with a walker and is starting to gain strength in her hand and arm. She requires assistance getting dressed and eating, and must wear diapers due to incontinence. When she arrived, she was on a feeding tube; they removed it 4 days ago. She has lost weight and has been on pureed food for just over a week. They were hoping to put her on solid foods this week.

How in the ** do I stop the mail adverts for a person that has died? My brother died five years ago. I really do not think that he needs the advantage program!! I have called, emailed and sent US postal mail. This has been going on for over a year. How do I stop this harassment? ?

Aetna will only allow mail-order prescriptions and they take upwards of ten days to fill them. This is a massive problem if you actually require daily doses. They are willing for you to run out of required medications to preserve control and ineptitude. I strongly recommend choosing another insurance provider.

I pay hundreds a dollars a month so I can pay hundreds more. I have Aetna through my employer and still have to pay hundreds of dollars a month in premiums. Last year, Aetna provided a "wizard" to see if I was getting the best coverage for my needs. I ran through it twice and switched based on its recommendations. What a mistake. My monthly medication costs went from $20 a month to $190. Not to mention the massive deductibles. But what really fried me was the need for a "preauthorization" for an MRI ordered by my doctor. Why on Earth does Aetna have the right to delay and even deny my medical needs?

If you need something simple and are on the phone directly with Pharmacy or setting up insurance they are fine. With any other task you will often get young, new reps that don't understand your question or when they do, they have to study the system to figure out what to say to you or how the process works. It's often like waiting for your 85 year old grandfather to fill out his email address on the Apple remote for Apple tv. Way too often the reps don't know what a insurance, vacation override is and you can tell them 5 times and they will have to ask someone else, where to send you, what it is you're asking about and if it's possible.

I cannot judge Aetna performance since I had it for less than a year, but decreasing coverage for one of my medication starting September means I get full coverage for only seven months, that could be an indication that its coverage is not as good as claims indicated.

When we moved to another state I was able to get a lower monthly premium with Aetna than my previous supplemental plan. The coverage is the same (plan g). The ease of switching plans was easy also. Both my husband and I have aetna and have been satisfied with this plan.

I love this insurance plan n, Aetna senior products supplemental insurance for my medicare plan, because it helped me with cataract surgery cost (0), compared to previous insurance company, clover (500 per eye). It is high (98.00 per mo.) Is why not a perfect score.

Sorry insurance, paying per week my half of the insurance is $52.00. My job pays $52.00 for their half of the payment. All in all this insurance is being paid $104.00 a week, my deductible is over $6,200.00. My out of pocket is pretty much the same. In order for this insurance company to pay for anything I have to pay this first. I have to pay my deductible first before they pay anything. Only thing I get is a discount on in network doctors. They say after your deductible is paid they pay 100%, not true. I still have to also pay out of pocket money of over $6.200 and then it's 100%, not sure if this is the case because I've never finished paying the out of pocket amount. Most doctors I've been to don't have much faith in this insurance company.