we've been very pleased with Aetna HMO's in-network doctors and hospitals. I have not had any major health issues, so I see my primary care doctor only once a year for a checkup. I do not have any prescription medicines. Since 2002, my husband has had 5 surgery / emergency conditions and each event required 3 days in the hospital with many tests and occasionally specialists. We never had a problem with any of our doctors getting paid by Aetna. The hospitals and doctors submitted the info directly to Aetna and we did not have to be involved. But since 2002, our premiums have gone up 540%.