Aetna supplemental insurance

Alexander Thompson said:Did you end up paying?

Nah, nothing's been paid.
We haven't seen a single thing—no credit card, no invoices, no paperwork, nothing. We even tried calling their customer service line once, but then we just got radio silence until they suddenly sent a collection notice demanding we pay the debt and return the card...

I still haven't received my updated billing statements, even though my first payment deadline is coming up fast on January 15th... ☕

It’s been 16 days since I signed the contract. The paperwork arrived at my house, but the card hasn't shown up yet. Since my waiting period is technically over according to the policy, can I actually use my benefits without the physical card in hand? Should I just mention it during an exam, or will GEICO simply reimburse me later if I submit the hospital bill I already paid out of pocket?🙄

Joshua Gray75 said:I still haven't received my updated billing statements, even though my first payment deadline is coming up fast on January 15th... ☕

The statements arrived on the 15th—which means the due date for that very first one is, naturally, also the 15th.☕

It would have been significantly easier if they had just sent a quick note saying everything remains unchanged and I should continue using my existing payment info—especially since I handle everything via online banking.

I really expected a bit more professionalism from GEICO... but whatever... my contract keeps me locked in for another year... ☕

brisknomad2 said:It’s been 16 days since I signed the contract. The paperwork arrived at my house, but the card hasn't shown up yet. Since my waiting period is technically over according to the policy, can I actually use my benefits without the physical card in hand? Should I just mention it during an exam, or will GEICO simply reimburse me later if I submit the hospital bill I already paid out of pocket?🙄

Your best bet is to give them a call or shoot them a message—they have a contact form right here:

They haven't exactly been the most responsive lately...☕

Joshua Gray75 said:Your best bet is to give them a call or shoot them a message—they have a contact form right here:

They haven't exactly been the most responsive lately...☕

Thanks for the tip. I forgot to mention I already called them. My coverage officially kicked in on January 10th according to my card, though the physical card didn't arrive until the 14th. Since I had an appointment that same morning, they told me to pay out of pocket and then submit the receipt along with my bank details for a refund to avoid any issues.

To be fair, there were plenty of holidays and non-working days in the mix. It took 16 days total for the policy to activate (and that’s calendar days, not business days, just in case anyone is wondering, since I ordered the policy online back on December 26th). If I had relied on Medicare, this search wouldn't have been covered due to their 30-day waiting period, so all things considered, I'm satisfied enough. 😁

I’ve already picked up an Aetna supplemental plan—the one that covers those extra prescriptions—and honestly, it’s been a lifesaver since I don't have to shell out anything extra at the pharmacy. But I’ve been hearing whispers from a few people that they might offer something else, like quick, streamlined wellness checkups or full physicals. I haven't had the chance to dig into the fine print yet, but if anyone here actually knows the deal with their preventative care coverage, please let me know.

Sorry if I'm double-posting here, but I couldn't find a thread quite like this one...

So, we finally got a decision regarding the settlement amount for a recent injury (a broken arm). Honestly? It’s nowhere near what our lawyer calculated—not even close. We were looking at things like how long the cast had to be worn, the fact that they couldn't work, all those little complications that add up...
We reached out to State Farm, and they basically told us to just file a formal appeal. Now, I’m sitting here wondering: is it actually worth it to spend months fighting them on this? Like, is there any real chance an appeal will actually move the needle for us?

Has anyone here gone through something similar?
And really, is there anything to lose by sending in the appeal?

slylynx26 said:Sorry if I'm double-posting here, but I couldn't find a thread quite like this one...

So, we finally got a decision regarding the settlement amount for a recent injury (a broken arm). Honestly? It’s nowhere near what our lawyer calculated—not even close. We were looking at things like how long the cast had to be worn, the fact that they couldn't work, all those little complications that add up...
We reached out to State Farm, and they basically told us to just file a formal appeal. Now, I’m sitting here wondering: is it actually worth it to spend months fighting them on this? Like, is there any real chance an appeal will actually move the needle for us?

Has anyone here gone through something similar?
And really, is there anything to lose by sending in the appeal?

Based on my own experience—it was a slipped vertebra from a car accident rather than a broken arm—it involved about five months of braces and physical therapy.
Our lawyer filed the initial claim, we got an offer, and we turned it down. We pushed for more, they bumped up the number, we accepted, and that was that.

In any case, they almost always start with a lowball offer. Filing an appeal to push for a higher amount is standard practice, though I can't speak to specific dollar amounts or percentages since I'm not an expert in those details.

steelcanyon51 said:Based on my own experience—it was a slipped vertebra from a car accident rather than a broken arm—it involved about five months of braces and physical therapy.
Our lawyer filed the initial claim, we got an offer, and we turned it down. We pushed for more, they bumped up the number, we accepted, and that was that.

In any case, they almost always start with a lowball offer. Filing an appeal to push for a higher amount is standard practice, though I can't speak to specific dollar amounts or percentages since I'm not an expert in those details.

So, basically, there's no downside to filing an appeal, right?
Since I'll be handling the appeal myself, do I actually need to cite specific clauses or pull out those percentage charts I saw online...? I know exactly where they shortchanged me, so I'm hoping I can just lay it all out clearly and explain my side. 😉

slylynx26 said:So, basically, there's no downside to filing an appeal, right?
Since I'll be handling the appeal myself, do I actually need to cite specific clauses or pull out those percentage charts I saw online...? I know exactly where they shortchanged me, so I'm hoping I can just lay it all out clearly and explain my side. 😉

To be honest, and this comes from a good place, just pay an attorney $200 $100 to draft the letter and send it out for you. It’ll give you much better peace of mind.

George Myers8 said:I’ve already picked up an Aetna supplemental plan—the one that covers those extra prescriptions—and honestly, it’s been a lifesaver since I don't have to shell out anything extra at the pharmacy. But I’ve been hearing whispers from a few people that they might offer something else, like quick, streamlined wellness checkups or full physicals. I haven't had the chance to dig into the fine print yet, but if anyone here actually knows the deal with their preventative care coverage, please let me know.

It’s true. I recently picked up a policy that covers Tier B medications. I don't pay a dime; the card works perfectly every time. Their supplemental plan is significantly better than what you get from Medicare. I even grabbed an additional policy for my parents so they can use private providers for everything. All things considered, 👍

A buddy of mine picked up some supplemental coverage from GEICO last year—specifically that Plan B for prescriptions—and now she doesn't have to cough up a dime. Even her co-pays for diabetes meds, which usually run her about a hundred bucks, are totally covered. She’s loving it. She keeps trying to talk me into getting it too, but I don't really need it yet. Honestly, though, I'm staying far away from the government health bureau on principle. They gave my old lady a hard time over some supposed "outstanding debt" they claimed she owed. 🙂

I honestly feel like we're overlooking a massive point here—the whole question of which specific policy (and whose neck is actually on the line) is being used to claim damages. I mean, are we talking about employer liability, third-party coverage, an auto liability policy, or maybe just some private accident insurance? It probably matters quite a bit because the entire legal procedure could end up looking completely different depending on that answer 🙂

mellowgull80 said:I am not trying to defend the insurance industry here, but you really should have read the fine print before signing anything.

Supplemental plans are only available through Medicare.

If you have a plan through Aetna, what you actually have is voluntary health insurance 😉

That is WRONG. Supplemental coverage comes from Medicare, Aetna, and plenty of others.
Voluntary insurance is its own third category. You sign a policy directly with an insurance provider, completely independent of the first two types. It’s what happens when you carry a Sun card and head to their private clinics. That is 100% PRIVATE.

Ryan Hill5 said:A buddy of mine picked up some supplemental coverage from GEICO last year—specifically that Plan B for prescriptions—and now she doesn't have to cough up a dime. Even her co-pays for diabetes meds, which usually run her about a hundred bucks, are totally covered. She’s loving it. She keeps trying to talk me into getting it too, but I don't really need it yet. Honestly, though, I'm staying far away from the government health bureau on principle. They gave my old lady a hard time over some supposed "outstanding debt" they claimed she owed. 🙂

Thanks for the heads up. Does State Farm reimburse her for what she pays at the pharmacy?

Medicare told me I overpaid when I know damn well I didn't. Their IT system is a complete clusterf***.

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bluemoose16 said:Thanks for the heads up. Does State Farm reimburse her for what she pays at the pharmacy?

Medicare told me I overpaid when I know damn well I didn't. Their IT system is a complete clusterf***.

So, I have supplemental coverage through State Farm—and for... $25 They cover both the A and B lists of medications. If the facility where you get them is in-network with State Farm—you can usually tell by the sign on the door—then they cover the costs and you don't pay a dime. If they aren't in-network, you just pay for the meds upfront and then send them the receipt in one of their prepaid envelopes to get reimbursed.

Here’s a quick case study involving supplemental State Farm coverage that includes the Tier B drug list. So, we’re talking about a situation at the Mayo Clinic. This gentleman kept showing up there with his insurance, only to be repeatedly turned away by the staff. It wasn't until he finally kicked up enough of a fuss to cause a minor scene that they actually got their act together. Since then, things have smoothed out—he can use that supplemental State Farm plan at the Mayo Clinic without all the endless red tape and bureaucratic nonsense.

At the end of the day, it really just comes down to how sluggish the system is. But honestly? If you're retired, it is absolutely worth getting that extra coverage with the Tier B drug list. In the grand scheme of things, the absolute worst-case scenario is just breaking even.

casualtrucker7 said:[No text provided to rewrite]

So, I have supplemental coverage through State Farm—and for... $25 They cover both the A and B lists of medications. If the facility where you get them is in-network with State Farm—you can usually tell by the sign on the door—then they cover the costs and you don't pay a dime. If they aren't in-network, you just pay for the meds upfront and then send them the receipt in one of their prepaid envelopes to get reimbursed.

I have my doubts that a plan at that price point actually includes Tier 2 coverage.

ironmoose6 said:I have my doubts that a plan at that price point actually includes Tier 2 coverage.

You don't even have to second-guess me—I'm right there with you on this one. $25 I’ve been on the B-list for two years now. My initial contract was set for three, so I’m just counting down the months. I'm really hoping I can renew everything under the same terms once next year rolls around.

The CDC always seems to have these random little perks popping up out of nowhere. Just recently, there was this deal where you’d pay the standard rate, and even though your ID card would technically say you don't have coverage for the supplemental tier, they were throwing in a full year of that extra coverage for the exact same price. I heard about it directly from someone who actually deals with this stuff, so I know it's the real deal. 😉

I have to admit, I’m a little lost on that whole story about the Mayo Clinic. What does any of that have to do with the Tier 2 drug list?
It’s not quite right to say that Aetna covers both the A and B lists of medications.
Both A and B are already covered under the basic insurance plan.
If you opt for an Aetna plan, it’ll cover your copays for prescriptions, doctor visits, lab tests, and those trips to the pharmacy. Plus, if you pick a policy that includes it, you're also covered for the extra costs associated with medications on the supplemental list.
If you opt out of the Tier B coverage, just keep in mind that your supplemental plan will only step in to cover your prescription copays. That’s pretty much it.$3.25It’s also about all those extra out-of-pocket costs—things like lab fees, hospital copays, doctor visits, and those daily charges for staying in a hospital bed.