One way could be to file formal complaints. If enough people do this, it might force Aetna to look into and fix the issues.
Advocacy groups can also play a role. They can bring public attention to the problems and put pressure on Aetna to improve. Additionally, members can share their experiences on social media and review platforms. This can influence public perception of Aetna Medicare Advantage and potentially lead to changes as the company may not want to have a bad reputation in the market.
Patients should keep detailed records of all their interactions with Aetna. This includes phone calls, emails, and letters. If there's a problem with a claim or referral, having this documentation can help when appealing a decision. For example, if they were promised something by a representative and it didn't happen, they can use that as evidence.
Another common horror story is about poor customer service. People call in with concerns or questions regarding their coverage, and they end up on hold for long times or get transferred from one representative to another without getting any real answers. It's frustrating for the members who are relying on this insurance for their healthcare needs.
Some Medicare Advantage horror stories involve unexpected out - of - pocket costs. A beneficiary thought they had comprehensive coverage, but when they got hospitalized, they were hit with huge bills for things like ambulance rides and certain medications. The plan's fine print was so complicated that they didn't realize these costs were not fully covered until it was too late.
Another horror story is about poor customer service. Some beneficiaries have complained that when they try to get information or resolve an issue with their Medicare Advantage Plan, they are met with long hold times, unhelpful representatives, or misinformation. For instance, a person might call to clarify a billing issue and end up getting transferred multiple times and still not get a clear answer. This can be extremely frustrating, especially when it involves important healthcare - related matters.
I've heard of situations where the Medicare Advantage Plan providers were not upfront about all the costs involved. A person might sign up thinking they would only have to pay a certain amount for a particular service, but then find out there are all kinds of hidden fees and extra charges that they were not aware of.
Sure. There was a case where an elderly patient with Medicare Advantage needed urgent knee surgery. The insurance company first approved it, but then at the last minute, they said they needed more paperwork. By the time the patient got all the forms in order, the doctor's schedule was full for weeks. This delay in treatment was extremely painful for the patient and could have led to more serious problems.
To deal with the problems, we could make the rules of time travel more explicit. For instance, if the story says that the past is unchangeable, then any attempt to change it would be futile. This would avoid the paradoxes. Also, for the power dynamics problem, we could introduce limitations on time travel. For example, only certain people with special abilities can time travel, and they are bound by strict ethical and physical rules. Regarding the issues with causality, we could use circular causality where events are self - fulfilling. So instead of creating paradoxes, things work in a loop that makes sense within the story's logic.
One Aetna horror story could be about denied claims. A patient had a necessary medical procedure, but Aetna refused to cover it, citing some unclear policy reasons. This left the patient with a huge bill and in a difficult financial situation.
Denied claims are very common. For example, a person had a valid claim for a pre - approved surgery, but Aetna still declined it, saying it was 'experimental' even though it was a standard procedure in the medical community. It caused a lot of stress for the patient.
One common horror story is unexpected claim denials. Insurance companies may find loopholes to deny claims. To avoid this, read the policy carefully before signing up. Make sure you understand what is covered and what's not.
There are cases where medicare doesn't cover certain life - saving drugs. A person was diagnosed with a rare disease. The drugs that could potentially save their life were not on the medicare formulary. They had to either pay exorbitant out - of - pocket costs or go without the treatment, which was a real horror story for them and their family.