Aetna is one of the leaders in health care and dental pharmacy, providing many kinds of long term and care benefits to all the customers. The main aim of the company has always been to provide health and financial benefits to all its clients. Benefits can be provided to all people, with the help of safe and easy access, along with cost effective, high quality health care services to all the customers, in order to protect their finances from the different health related risks. We have a dedicated team of people, who help people in the achievement of health and financial security. There are around 50 states, to which Aetna is said to be providing health related benefits, along with providing them with enough resources so that they are well informed about the health related problems. Our main aim has always been customer satisfaction, with the help of our large number of innovative products, along with health care benefits. Aetna has a rich heritage of 150 years, and will soon be a leader with a large number of doctors, hospitals, patients, and public officials, taking care of the public health system.
Health and dental plans are often placed under the health care facilities, and are usually offered on a risk basis as well as employer-funded basis. In case of risk basis, the company assumes most of the responsibility, of the health and insurance, whereas in case of employer –funded basis, the sponsor is under an administrative services contract, and assumes majority of this risk.
Group Insurance refers to a renewable kind of contract, in which the amount that is required to be paid may be fixed or linked to the wage level of the individuals. There is a special kind of insurance that is referred to as a Group disability insurance that provides employee income replacement benefits, for short term as well as long-term benefits. There are many insurance companies that provide long term and custodial care benefits in a nursing home, adult care homes as well as in home settings.
Large Case Pensions
Large Case Pensions are known to be managing many retirement products that are primarily meant to provide you with benefits, and of contribution plans. There are contracts that provide you with non-guaranteed as well as guaranteed investment options, with separate account products. There are many health care products, that are fully insured and self-funded, that includes HMO, PPO, and Pharmacy, Vision, and all the health plans that provide you with reimbursement programs. On 31st March 2006, there Aetna was able to cover as many as 15.4 million medical members. There is also a dental coverage of 13.3 million members, providing insurance against group life and accidental death and personal loss, along with long term and short-term disability.
Aetna Products and Programs:
There are a large number of products and programs that are offered by Aetna, that is mainly aimed at improving the quality of health care, disease management, patient safety programs, and other kinds of information that is related to disability. We provide all our customers, access to a number of health care tools, that are quite easy to understand, and can also help you in making better decisions relating to all your health care and financial well being. We are the first health insurer who forms a consumer dedicated health plan, and continues to lead the way with the help of a number of products that include HAS, HRA and RRA options. All these benefits are provided to our customers in around 50 states, with the products targeted to small mid sized and large multi site national employers.
More About Aetna
Aetna is a diversified, health benefit Company that is known to be providing a large number of traditional and consumer related health products, along with a large number of medical facilities that includes medical, pharmacy, health, group life and long-term medical health. The company had issued its first medical insurance life policy in the year 1850, after thirty years of coming into business. It was in the year 1996 that Aetna merged with US Healthcare, and became one of the eleven companies to be earning a 100% score on the Human Rights Campaign Corporate Equality Index in 2002.This was also maintained in the following years of 2003 and 2004.
Cheap Doesn't Cover Anything
If you think for one second that Aetna will pay claims, you are sadly mistaken. Go ahead and pay the cheap premiums. Go ahead and think you're covered when you're not. Aetna will play games with words, exploit fine print and petty excuses to DENY every penny of your rightful claims.
Covered $1,600 of My $30,000 In Bills
II enrolled in Aetna's, SRC $10,000 Maximum Plan for which I pay $120.00 per month for medical coverage. My enrollment indicated that I would have medical coverage up to $10,000 per calendar year in addition to whatever co pays and deductibles were necessary. I had out patient surgery for a detached retina. Aetna only paid $1,000 for out-patient medical coverage. The bills totaled $20,000. Then I was rushed to the ER with acute kidney pain which turned out to be 6mm kidney stone. The Hospital bill was $8,000 for which Aetna only paid $600. Since my insurance plan only pays up to $1,000 for outpatient surgery I was forced to pass the stone on my own.
Terrible Dental Insurance
They systematically denied my claims. Their excuse was that COBRA did not update my election although I made a payment. Each time I called, they told me they resend the claim to reprocess.
What Should Be Covered Is NOT
I recently canceled my Aetna health insurance after experience the worst service. They refused to pay for any of the expenses of my daughters birth (about $11,000) even though I did everything right.
Less Service, Higher Costs
Since 1998, my coverage has been getting worse and my premiums are now higher! I currently pay $1,456/month for a family of 4. They have changed my coverage, so now a flu shot is not even covered! My son was diagnosed with diabetes at age 4. Now they no longer will cover his insulin pump!
Denied an MRI
I have serious back issues. My doctor has wanted me to get an MRI. I kept putting it off due to the cost of this insurance and my deductible. I have severe pain and was denied an MRI. What the heck do we have insurance for?
Slow Claim Processing
Their website is slow and EOB's post slow there. The reps are RUDE. Claims are very SLOW to get processed. Prescriptions are expensive. You can't stay in the hospital long.
Doubled My Premium
They increased my premium almost double stating that I had pre-existing conditions and ones relating to organs that I don't HAVE! When I called them, they told me that it was because I had the potential to develop the conditions. They also said that birth control medication and UTI's are part of the reason that it has increased. Now I have called and checked everywhere and I am pretty sure that they can NOT increase premiums for birth control medication. They are absurd and not helpful one bit. Their customer service reps are rude and not helpful, bouncing you around and placing you on hold for 45 mins!
Tests Not Covered By Full Coverage??
Aetna says that we have full coverage for my wife's pregnancy, but now we are being billed for ultrasounds. How is that full coverage? The worst is that you get totally different answers when you call to find out what is going on. This last lady said that ultrasounds are not part of a standard pregnancy. We also keep getting billed by our doctor for random stuff and Aetna won't help at all while we get nickled and dimed to death.
Sending My Records To My Dad
Get a policy only if you enjoy spending entire afternoons on the phone being juggled from representative to representative trying to correct the problem of why YOUR medical and billing forms are being sent to YOUR DAD. That's not only a huge annoyance but a HUGE breach of confidentiality! And they treated it like no big deal, and something that each representative said "wasn't their department" and transferred me.