Aetna bs BCBS health insurance, non Medicare

[stevezero]

well, its annual enrollment time at work, and this years choices are aetna and bcbs. we were UHC forever, and tried bcbs in 2017, and changed back to uhc last year. bcbs was cheaper than uhc, but it was a lot of hurdles, and extra time and paperwork to do things, which is why we switched back to uhc last year.uhc doesnt appear to be an option for us. coverage would be 2 adults, one adult child under 25. plan benefits are the same (supposedly), and cvs caremark is our medicine provider. a quick search shows our docs are in network for both. havent found out the cost difference between the two careiers. I think cvs bought aetna in 2017, so they may try to leverage cost savings with the medicine ccoverage.

anyone have input on aetna as a provider? we arent medicare age, and this would be in our "silver" price and coverage. I dont mind paying a higher price if the coverage and ease of processing is greater.

Any input would be greatly appreciated

 

[roadstr6]

In the same boat as you. Currently UHC. Looks like we will have to switch as UHC is no longer an option in NC. I too am curious what the benefit would be (if any) to going with Aetna over BCBS. UHC has not necessarily been great for us (I can tell you some horror stories), so it doesn't break our hearts to leave them, but Amanda is very familiar with how to get things done in the UHC network. As much as we don't care for UHC, the thought of leaving and starting over somewhere else just sucks. It will most likely be a change to BCBS for my family. We will keep our fingers crossed.

 

[David70FJ40]

Just finished with updating the Medicare supplement coverage with UHC. Been with them for a while and like the service although some of the spanish and middle eastern accents can be tough to get through.

Just this year my wife alone has racked up over $250k in charges which was reduced to about $150k in contract payments leaving use with $4.5k+ out-of-pocket. For how the payments have gone I am satisfied with UHC but that is a Medicare suppliment not general medical ins.

 

[stevezero]

weve had uhc for 19 of the last 20 years, and like Dave, knew how to get stuff handled in their processes. we had our horror stories too. tried bcbs in 17 because they were cheaper than uhc, and it took a lot of phone calls and time to get stuff fully paid. first timenclaims were al.kst always denied, or paid out at a fraction they should have been.


my wifes neck issues will require she be on medication that is in "the news", and it's an uphill battle. I dont want to end up with a carrier who does 7 day ex's for long term meds, and want to taper her down.