I am having surgery in three weeks and was informed by one of my doctors that my primary insurance is listed as Aetna, which I got through an employer.
I am still employed seasonally but have not worked for this company or paid into the insurance for more than a year. I think it was extended automatically because of the pandemic. I already have low income insurance through my state of residence.
I’m worried that Aetna will authorize the surgery, then come back later and say that I owe them a year of monthly payments or that they will retroactively deny coverage, when I never needed them in the first place.
Because of this fear I tried to cancel the Aetna insurance but was told by my employer that the policy reactivated January 1st and that I can’t opt out again until the fall.
I also just got my credit in order after 20 years and don’t want to get smacked down with some impossible medical bill.
Is there anything I can do? Will any unpaid portion of the surgery costs default to my state insurance and be covered anyway?
submitted by /u/yetisong
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I am having surgery in three weeks and was informed by one of my doctors that my primary insurance is listed as Aetna, which I got through an employer. I am still employed seasonally but have not worked for this company or paid into the insurance for more than a year. I think it was extended automatically because of the pandemic. I already have low income insurance through my state of residence. I’m worried that Aetna will authorize the surgery, then come back later and say that I owe them a year of monthly payments or that they will retroactively deny coverage, when I never needed them in the first place. Because of this fear I tried to cancel the Aetna insurance but was told by my employer that the policy reactivated January 1st and that I can’t opt out again until the fall. I also just got my credit in order after 20 years and don’t want to get smacked down with some impossible medical bill. Is there anything I can do? Will any unpaid portion of the surgery costs default to my state insurance and be covered anyway?
submitted by /u/yetisong [link] [comments]Read Morer/HealthInsurance