Aetna supplemental insurance

Right now, doctors aren't actually forced to go for the budget options, because if you're covered by Medicare, you have the right to any medication on the preferred list without paying extra out of pocket.
But some people are so terrified of Medicare's oversight that they cling to those cheaper options like a lifeline.
Medicare got a little ahead of itself, and now doctors don't even have to justify why they chose a more expensive brand over a generic.
The reality is that anyone under Medicare is entitled to the full range of medications, not just the cheapest ones on the shelf. They’ll be updating the formulary soon anyway, so once everything is priced similarly, you’ll end up getting the exact same medicine you were taking before.
All this confusing "recommendation" nonsense just creates a massive headache for everyone—doctors, patients, and pharmacists alike. It's an endless loop of back-and-forth. Plus, a lot of those "cheapest" drugs on the preferred list never even make it out of the factory. Some of them are produced in such tiny batches that we're already seeing shortages hit the shelves.

Joshua Gray75 said:A brilliant strategic move—paying for $25 now that Medicare has slashed its coverage rates for $23... and naturally, the USA remains absolutely silent... just... well... you know...
🙂🙂🙂

Don't even sweat it. If you only knew the kind of absolute nonsense Medicare can pull out of thin air... this $1.75 difference isn't even worth mentioning.

For that $1.75 difference, you get all your prescription meds covered—the ones with the red labels. For anyone who needs even one of those every month, I guess there isn't really a better way to go about it.

Yeah, that’s the bottom line right there.
I don't think anyone has actually touched on how refunds work when you're dealing with facilities that don't have a direct contract with State Farm. It seems obvious enough—you pay the bill upfront and then file for reimbursement—but I’m honestly not 100% sure if that’s still the standard procedure. Ever since this spring, has it changed to just paying directly at the pharmacy if they have a decent card reader? Does anyone know???
Anyway, look—if we're talking about something like hospital stays where the costs skyrocket into the thousands of dollars, the usual move is to grab an estimate and send it over to State Farm so they can cover it. The patient should only be out of pocket up to $167 (and then they file for that refund). If the cost goes over that, you go with the pre-payment route. At least, that’s how my agent laid it out for me.

velvetskipper8 said:Yeah, that’s the bottom line right there.
I don't think anyone has actually touched on how refunds work when you're dealing with facilities that don't have a direct contract with State Farm. It seems obvious enough—you pay the bill upfront and then file for reimbursement—but I’m honestly not 100% sure if that’s still the standard procedure. Ever since this spring, has it changed to just paying directly at the pharmacy if they have a decent card reader? Does anyone know???
Anyway, look—if we're talking about something like hospital stays where the costs skyrocket into the thousands of dollars, the usual move is to grab an estimate and send it over to State Farm so they can cover it. The patient should only be out of pocket up to $167 (and then they file for that refund). If the cost goes over that, you go with the pre-payment route. At least, that’s how my agent laid it out for me.

If the pharmacy is in-network with CNN, they just swipe your insurance card and take the whole amount right then and there.

So, more than a month ago, I finally pulled the trigger and signed up for Aetna
and even dropped $25 for my first month of coverage...
The pitch was that I’d have all my paperwork and my ID card sitting in my mailbox within ten days tops..
Well, guess what? It’s been over a month now, and I haven't seen a single thing—literally nothing!

Honestly, I’m kind of itching to just cancel the whole thing. I mean, they go on and on about this 16-day waiting period, but if they can't even manage to mail out a simple ID card in a full month, what does that say about their service?
Do I actually have the right to just walk away from this contract?

It’s usually best if they mail that card directly to your house—you know, like when they leave that little yellow slip in the mailbox if you aren't home to grab it.

They’ve got a massive influx of new policyholders right now, so things are moving a bit slow. Just a heads-up though, there isn't really an option to cancel the coverage once it's set.

Look, I totally get how the process is supposed to work...
But the real issue is that they just don't have it—and honestly, their backlog isn't my damn problem.
Karen has been waiting for 16 days now, and it’s been 36 full days since I actually signed everything and paid up.
I mean, seriously, what if I actually needed that money during these last 20 days?!

Honestly, I’d just handle it right then and there. I'd grab an itemized receipt in my own name and file a claim with the insurance company for a refund—provided your policy was actually active on that date.

Aetna ends up being slightly more affordable than Medicare

http://www.healthinsurance.gov/plans/example-coverage-details

So, $22 monthly premium plus the policy fee (though that excludes the Tier B drug list)
...

Christian Hernandez11 said:Aetna ends up being slightly more affordable than Medicare

http://www.healthinsurance.gov/plans/example-coverage-details

So, $22 monthly premium plus the policy fee (though that excludes the Tier B drug list)
...

So what’s the catch? Sure, the price is lower $1.00 but you lose out on those specific drugs—plus dealing with them is way more of a headache than just sticking with Medicare 🤷

You could also negotiate an extra tier for a broader selection of prescription drugs at $10/month... if you're the type who wants every option available on the table.

Can someone clear something up for me? Since August, I've been paying for GEICO supplemental insurance at $25. That plan included coverage for the B-list medications. Now that the rate dropped to $22, what does my coverage actually look like? Do I still pay the 75 to keep those meds covered, or am I paying $22 but losing the B-list benefits? Basically—is everything staying the same for me, or is something changing?

Nothing changes for you. You’ve already set up your agreement and you’re paying $25, so you’ll get that B list too. It’s not like Medicare where everything is government-run—you actually have to go in and update your contract if you want to lower those payments. Until then, I guess just keep paying and enjoy it. This policy with $25 is probably the best deal you can get in America—honestly, it beats Medicare

Hey everyone, I’m kind of in a bind here and really need some quick advice from anyone who knows the drill : I need to get a new set of dentures, and my dentist is part of my standard Medicare network. Does anyone know if Aetna is actually going to cover the cost or give me a refund for the dentures??

So, I’m spiraling a bit thinking about getting supplemental health insurance.

I was digging through the fine print for Medicare and apparently, their coverage doesn't even kick in until 30 days after you sign the contract... which is just typical, right? Just waiting around for nothing.

But here's the thing—I am looking everywhere, and I seriously cannot find the specifics in the Aetna terms. Like, when does the coverage actually start? If I go ahead and sign everything tomorrow, how long am I stuck just waiting before I can actually use it?

I'm guessing the waiting period is also 30 days—though I'm not entirely sure myself, since I actually have one of their policies on hand

Straight from their website:
Coverage Start Date

This is the date your policy actually kicks in. For UnitedHealth Group, they officially take on the responsibility at midnight on whatever start date is listed on your policy. Just a heads-up though—with UnitedHealth Group, there’s a waiting period of 15 days. This means they aren't on the hook until the 16th day after your official start date, provided you've already cleared that first premium payment...

So, here’s my take on this whole mess:
I set up a contract online for my mother-in-law, but the card, all the paperwork, and the billing statements just vanished into thin air. They never showed up.
Now, these people have the nerve to demand that I return the card and pay up the overdue installments. When I tried explaining that I don't even have the damn card and never received any bills, they basically gave me this blank, mindless stare and insisted—with zero empathy—that I still had to send the card back.
Looking at this letter, I’m honestly floored. It turns out they sent it via certified mail, so I’m really hoping I can dig up some proof at the post office showing that I never actually signed for that package.
Since when does "business ethics" involve treating a customer like a total liar?

Did you end up paying?