Refused CoverageNov 09 2011
I have dental insurance. I have been paying my premium for the last 10 months. Now I am in dental pain. I contacted Aetna, they said I can only visit after 12/1. Today is 11/09. How could they take money and not provide coverage? This is what the rep who I spoke with told me: "Unfortunately, this is how the Dental DMO Policy works. Any changes made before the 15th of the month will be effective the first of the following month. I may contact the dental office and see if they are willing to see you and render services without getting paid for them. With the Dental DMO Policy, you have to elect a Primary Care Dentist (PCD) on file in order to utilize your benefits. The provider gets paid on a monthly basis, based on the names on their roster for that month. You will be able to see the dentist on or after 12/01 for Diagnostic and Preventative Services, Basic Services and Major Services."