We had to prove that our son was a full time university student with an insane deadline that if wasn't met, all coverages on all dependents would be dropped. Then my son had a broken clavicle and it required surgery. First they want to point fingers at anyone or anywhere he was at time of injury. He wasn't in a league, nor did anyone touch him to cause injury, he fell on an older broken clavicle that snapped the bone up by his neck. He wasn't on school grounds, nor in school related activities. No orthopedist would touch him for miles due to Aetna. It took a 150 mile trip to have the surgery. My husband suffered severe angina and was admitted to the hospital for 24-hours observation. Our part of the bill after Insurance payments are in excessive of $2,500. We have the cardio stress test today. They have pre-contacted the insurance company. Our out-of-pocket expenses was in excessive of $1,100.