Does anyone have Aetna Health Insurance

[khunt719 2]

I have Aetna POS and it took 1 1/2 years from the first surgeon visit until I got my approval letter. I got denied on the first request and had to do an appeal letter but after it was submitted along with all the nut information that I did for the past 6 months, it went quick. It was like I had my approval letter and was in surgery 3 weeks later. They can screw you with the dietician appts and doctor appts but it is so worth the cost.

[CurvyCat 0]

It defnitely varies from policy to policy.

I have Aetna Choice POS II and mine covers 80% of the surgery, anesthesia, and pre-op testing.

It would have covered the 6 month diet with me only paying co-pays, but because I chose to do the 3 month multidisciplinary plan, it only covered the Dr. visits, not the nutritionist visits, I paid those out of pocket.

It covered most of my psych eval, but I went to a psychiatrist, not a psychologist, for it.

Now, my plan is one of several POS II plans offered by my husband's employer.

I would expect that they have even MORE variations on their base plans with other employers, and even more for their plans for individuals. So what you read Aetna covers for one person here on a particular plan may not apply at all in your case/plan, even if the plan has the same basic name.

I've been self-employed for about 14 years, and until just the past year when my husband became employed with a large company, we often ran through the headache of finding individual coverage for me, for him, and then for our kids. I can't remember running across WLS coverage on any individual plan, but I definitely could have missed it somewhere. Pick your coverage carefully.... there are SO many places where you can easily miss essential coverage or end up with totally unnecessary coverage. It's so expensive, it's worth the time to be very thorough before buying a policy. Good luck!!