I paid $200 a month just to pay bills that I would have paid even without giving Aetna the $200 monthly fee. They state in their description of benefits brochure that they would cover certain procedures and immunizations if done at the school health clinic. Well, I went to the school health clinic for those covered procedures and a few weeks later, received some letters from them stating that my routine exams are not covered. I checked their benefits page and called the school and it actually should be covered. So I was asked to call Aetna and the person informs me that the only thing covered are some accidents and emergencies but even then they have to be within guidelines.