Aetna HMO v. PPO in Arizona

[meg1778 1]

Open Enrollment is coming in my office and I need to choose between the Aetna HMO and PPO. Does anyone have experience with either insurance? How hard is it to get approved on either of these plans?

Also, I can't find any information on wether or not Flex Spending dollars can be used toward the surgery. If I can't get approved I can private pay, but I would love to use Flex Spending funds to avoid incurring more debt.

Thanks, Meg

[aubrie 6]

Getting Aetna to pay for this is a nightmare. I went through 6 months of hell, time and great expense and went to evey doctor I see. They still denied me. I was devastated. The emotional damage they heaped on me was WAY worse than anything from being fat. Aetna is cruel and insensitive. I wish you lots of luck. It took me weeks to get back up the courage to appeal and put myself through it again. I'm STILL waiting. I've been waiting since June. Started the process in January. Maybe try getting the requirements in writing. I didn't and they obviously changed them. I've never been so frustrated, disappointed or angry in my entire life. I felt like I had been lied to and taken advantage of.

Aubrie