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.
Terrible Customer Service
They lost my FSA paperwork I sent in, so I resent it via delivery confirmation the next time. They won't return my calls nor respond to my email requests for contact. Their website is not intuitive to navigate. Figuring out what paperwork they have processed via their website is difficult. Their online feedback form only allows 3 characters (not words, but letters!) in it.
I used Aetna's Mail Order Pharmacy. They substituted my brand-name drug to generic and charged me the brand-name cost. I am fine with substitution as long as I pay less than brand, but this isn't reasonable. When I called to get an explanation, I was bounced off 5 times, and met with "our pharmacists don't know what your co-pay should be, and there is nothing we can do for you." What a horrible service!
Terrible Pre-Approval Process
They actually denied a treatment claiming that it was not medically necessary and instead recommended something that was damaging. Apparently, the pre-approval process goes something like this...Board-certified surgeon recommends a course of treatment, recommendation is reviewed by NURSES, who in this case picked a cheaper course that would actually do damage. Reviewed recommendation is then forwarded to a Medical Director who is either not reading them or is under-informed. So now the burden of proof is left on the original physician.
Should Have Paid Out Of Pocket
It's expensive and their services/coverage do not make up for the cost. I paid around $2,000 for an 8 month coverage and my $1,700 medical procedure (and my ONLY medical claim) had limited coverage that the bill stated a "maximum benefit for this period"? Basically, I could have saved more money paying for the procedure myself instead of using insurance. I was also passed back and forth 5 times on the phone with customer service, claim inquiry, and pharmacy inquiry because they weren't sure which department was responsible for addressing my issue, which is frustrating considering I am a college student paying for my own finances.
Poor Records Keeping
I'm trying to get these guys to pay a bill for recent hospital treatment. They denied paying the bill because they said I hadn't filled in a form of pre-existing conditions. I called them up and told them I had. After about 15 mins of hanging on the phone they told me "yes, you did indeed. don't worry we will pay the bill." After three more demands from the hospital, the bill still hasn't been paid, so I got back on the phone with Aetna. They told me that they need information about my pr- existing conditions. I thought that we cleared that all up last time?
Only Mail Order Medications
Aetna used to be a good provider, but now its horrible. They changed how you get some important medication to mail order only and do not cover anything!
Waited For 3 Years
I was waiting over 3 years for a reimbursement. I called customer service every 3 weeks with no effect.
Poor Customer Service
Aetna tells me one day I have coverage and the next day I don't. I paid for it. They claim It's a paperwork issue and then never resolve the problem. Then they treat me on the phone like I'm unreasonable when I ask for help resolving the issue so that I can get the coverage I paid for.
Dropped Our Coverage Leaving Us With $20k In Bills
For 11 months we sent our insurance premium by mail at the same time of the month. Suddenly, when our deductible had been met and they were going to have to cover 100% of treatment, they decided to drop us, claiming that they never got our most recent check and that they weren't covering us for the previous month. They had pre-approved expensive treatments somewhat to the tune of $20,000. Now they claim that since they didn't get the payment they have dropped us and that we are responsible for the past months bills which they had previously agreed to cover, sticking us with this insanely expensive bill.
When you call customer service, they just confuse you as to why your service was denied. They deny everything or apply everything to every possible deductible they can come up with.