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- #31
Thanks for all of the help on this case guys. I called the insurance company, Aetna. I couldn't believe that they told me why she was declined. When I took the app, all of the health questions were "no". when Aetna called, she told them she was currently going through physical therapy. So I called her, and she admitted that she told Aetna that, but she hasn't been to pt in over a month. She's not on a schedule or program for therapy, she just thought that she may need tp in the future for the condition she went through pt for last month. She should have answered "no". I even prepped her for the call. Anyway, now Aetna says that if she gets a doctors letter saying that she is no longer under his care, Aetna will reconsider. Her doctor told her that she should apply with UHC, as they are "the best supplement money can buy", which must mean that they pay her doctor quickest. So, final question...get the doctor's letter and reapply with Aetna plan G, or apply with UHC (there isn't a pt question on the app), probably plan N to stay competitive in price. And, she doesn't want to get the letter from her primary doctor, the only doctor on the app. She wants to get it from her specialist, who isn't on the app. I don't know how Aetna will feel about that. Her specialist should have been on the app under "specialists seen in the last 24 months". Another issue, her declination will be in the MIB. Can UHC decline her just for seeing that she was declined with another company? Thanks again!