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I've come up with a slogan for my health insurance company:
Aetna Health Insurance: Your Life Is Just Business You see I've been experiencing a pain in my leg that started in my lower calf. It started about 2 weeks ago & I figured it was probably a mussle spasm. The pain has moved, however sloly up the back of my leg and the pain is now sitting just above the back of my knee, so it slowly shift up all the way thru my calf. I went to see a doctor today and he stated he was worried it could be a blood clot, which would be a very serious issue if in fact that was the case. He said I needed to get an Ultrasound TODAY, as if it is a blood clot, it could be life threatening. So I began to call facility after facility to try & schedule an Ultrasound appointment, with little luck of actually getting one today. After calling all the facilities the insurance company had given me, and not having gotten an appointment, I called my insurance back. The person I spoke with stated simply that they have no control if any of the offices (only ones which Aetna supports) does them or doesn't do them. I asked quite simply if they had ANY recomendatios, and they refused to give me even one. I told them that personally I wouldn't mind waiting until tomorrow, but the doctor said I needed one ASAP. Again they refused to give me any advice. So, here I was (and still am), sitting with a possible medical condition that literally could at any given second lead to an anurism, which would most likely lead to death, and my insurance company is sitting there saying "we don't care if you could die, that isn't our problem." The guy didn't even bother recomending going to a hospital. When I mentioned it, he proceeded to IMMEDIATELY inform me that it would cost me a bunch more money than waiting for an appointment. It seemed rather obvous to me that their concern was not saving me money, rather that if I did go into a hospital, they would have to spend much more as well. So I told the guy I guess really I had no choice but to play russian rullet and he started laughing, seemingly not realizing what I said wasn't ment to be a joke... When a health insurance company laughs at a real posability of a patient dieing, that pretty much sums up exaclty how they feel about their memebers and the value of life. If you are looking into the posability of signing up for an Aetna plan, I would strongly recomend you look elsewhere. In the past I've used both Blue Cross & Blue Shield, and in BOTH cases the companies main concern when a patient called with a medical issue was to ensure they got the help they needed, especially when a life could be on the line. With Aetna, that apparently isn't even a factor as far as their concerned. I fortuantly was able to eventually get an appointment with the help of the doctor's office. It was an urgent care center that was packed at the time & they still took time out to help... Aetna, on the other hand, would rather see a patient die than have to pay to send that patient to the hospital.
I second that statement! My husband hurt his knee. The Dr wanted him to get an MRI. Aetna said this takes 24 - 48 hours! What! They don't believe the Dr? Ok so we wait ... we have learned that going to the emergency room may have been a better idea.So we wait... My husband has been out of work for 2 days so far and still no referral, no MRI. He'll be off the whole week. He has sick leave, but the cost of him not doing his job will cost his company lots of money. He'll spend time tomorrow writing letters to his employer and letting them no that Aetna does not provide "service". A referral should be seamless!AETNA NEEDS TO BE FIRED!
Interesting take you have on your situation. You (or his employer) pay a premium to Aetna to negotiate lower rates for a variety of services at specified medical facilities and offices. No where does it guarantee immediate service. The provider does that. You are making the choice of waiting 24-48 hours as oppossed to an emergency room. If it is that serious then you must have a death threat. If you liked Blue Cross, you better check them out on the California Department of Insurance web site, 7.6 million dollar fine. If you need to get taken care of DO IT! it isnt the responsibility of any insurance, they just help you pay the bills. You always have a choice. Have him write the letter while waiting in the E/R..
So its reasonable for an insurer to laugh at a possibility of one of their customers dying??? I must have missed that clause in the policy... I was looking for assistance for a situation that had a possibility of being very serious. Having nearly died (less than 8% chance for survival) from a medical issue in the past, I wasn't happy to be in this situation. And keep in mind I DID NOT ASK FOR THIS TO HAPPEN TO ME, THE ONLY ROLE I PLAYED IN THIS SITUATION AS IT TURNED OUT WAS BEING BORN AND NOT DIEING PRIOR TO THIS DATE!!! The irony is that what they could have done was made an effort to help me. They made every effort to give me as little help as they humanly could. Had I gone into the emergency room, it would have cost BOTH of us a fortune. They likely understood that at the time that was not an option I could afford to take (as I had a previous issue with them where again they refused to help me). But by not even making an effort to help me find a covered location even outside my area seemed like a real money saving step for them. If they knew I couldn't afford a hospital stay, and the possibility existed that I would die before I could have anything done, well just think how much money that would save them. For crying out loud, in a previous situation I was trying to get help as I had a degenerating knee and was told I needed a brace. Upon going for a fitting I found out the insurance company covered almost none of it, and the price was quite steep. I asked them for possible alternatives but the directly refused to help me. I told them it sounds like I'm better off going in for surgery being I will need a knee replacement in the future anyway (if I'm going to spend that much on a brace, why not just put it twards the surgery I would need anyway?), they got all defensive and kept ensuring me that if I could not afford a knee brace, there was no way I could afford to pay the hospital bill... So its not like this was an isolated incident. My Aetna coverage ended in 2006, and since then my issues along these lines has vanished... I had back surgery last year (fixing the issue that caused this original incident before it had been diagnosed) and my insurance company was very helpful in getting everything arranged & handled. After determining it wasn't a clot as the doctor had suspected, my new insurance company was more than happy to give me sudgestions on where I could go to get the help I needed. Insurance companies can be helpful, Aetna appears to have an active policy prohibiting this. Just because one door is closed doesn't mean there isn't another to be opened. Unfortuantly Aetna's active policy seemed to me to be making sure i couldn't find another door at all, because if they could keep me from being able to do anything at all, they saved money... janice morris, teague, tx says that their rx insurance is a joke too. We just got Aetna this year and had to send all new rxs to the ins company. My doctor wrote all of them out 2 rxs to a blank. we paid expediated shipping because I was out of one of my medications. They sent all but two rxs. one of them was the one I was out of. Evidently two of the blanks got stuck together and the blank with my medicine I needed wasn't logged in. They say they never got the rx. I asked them to go back to the original claim and look at the original rx forms but they can't do that. they are idiots
I made the mistake of signing on with Aetna for another year of their incompetence and mis management of my claims. And somehow they are rated as one of the top insurers in NJ. When I had their traditional imdemnity plan it was smooth sailing, now no longer offer by my employer and its been rough seas to say the least. I'm guessing the good rating was paid for with the money they have saved by not paying claims. What a nightmare. I'm not sure what HMO really means but I'm thinking POS means 'piece of $@'... I am getting ready to graduate from college and have been on my mothers policy. I have heard rumors that some health insurance companies have extended their age limit policies to 24-25 years of age. Is there any truth to this??? I can't find what I am looking for on their website and haven't been much satisfied with their services in the past, but if it's free I'd really like to know as soon as possible. Do you know anything about this???? Hope you can help!!! My daughter has been dizzy, throwing up etc. for months. We have gone from emergency room, to doctors etc. Well we found out the problem was her ears. The doctor gave her a sample nasal spray that has solved the problem and a prescription for more. OOOPS!!! Aetna will not give it to her. We were ready to take her to a shrink because she was so sick and nothing worked. Now we have the solution and because it cost $105 Aetna says NO WAY! Oh and when we traveled to Panama a doctor prescribed a drug to keep us from getting typhoid but Aetna said NO... you can only have the drug if you get typhoid... THEY ARE THE WORST insurance company ever. When I spoke with "Sara" at Aetna about my daughter she actually laughed. Now that is SICK!
This is a nice little story. A woman goes in for brain surgery. Aetna waits until its too late to perform the surgery to approve it, making the surgery that day impossible. Now they won't approve the surgery at all... http://www.foxnews.com/story/0,2933,383781,00.html
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