You may have to keep after them until you get an answer.

You have every right to know what you are paying for or not paying for. And they cannot hide this information from you. Call the insurance company again and play ignorant if you have to. Tell them that you aren't sure what is and isn't covered, if there is a co-payment or not, and what your deductible is. By law they have to give you this information, just like it's a law that you are entitled to your medical tests, the notes the doctors write, blood tests, etc.. Do not give up until you get the answer. If you have to, call a rival of theirs and ask what their policy is, as if just checking around. If none of this works, we need to come up with a new plan. But we will get this problem solved. Keep us all informed, okay?

Kuno--you're paying for this product, so you have *every* right to have up to date information. The insurance company AND the employer are supposed to notify every employee of changes to the policies well in advance of those changes taking effect.

So you know...many big industries define legal as: Anything we can get away with, or that's cheaper in the long run than playing by the rules.

Now...I just spoke with someone who worked in the insurance industry for decades. He said unequivocally, consider contacting the Labor Board in your state and filing a complaint about the employer. Also, there should be a state Insurance Commission. They are generally more concerned with representatives than policies, but if you have a rep who's lying or hiding things...that's another good place to start.

My all time favorite however, is Twitter. Companies HATE complaints via Twitter, because EVERYONE will see them. I checked...Aetna DOES have several Twitter accounts, including one that's @AetnaHelp. I'd keep it civil, I'd avoid any cursing or nastiness...but I'd be very blunt in a Tweet about how you just CAN NOT get answers...lol. Hit their pockets...they'll listen. Hope something here helped.

Thanks for the ideas. I just remembered that I have an old friend from high school who could give some advice. All though we were notified that we were getting new cards through the mail, we were told that the policy was not changing. Being as I had surgery back in March and loads of DR visits, I frequent the website to keep track of bills and was alarmed in early July when my old policy no longer showed up and said that a policy was to start in August. I consulted my boss about it to be told that new enrolment started August 1st and that this was the reason, although an Aetna representative told me flat out that it was a different policy.

I don't plan on being at this job much longer, but I don't want any surprises in the form of medical bills either. I know the deductable doubled and was told that co-pays were 30 bucks for primary care and 40 for a specialist. Still, I like to see things on paper as I don't trust either insurance companies nor my employer.

HILLARIOUS! As I am typing this message, there is an ad for Aetna right on this page! How ironic.

Excellent support Kuno, excellent.

Ugh. I head back to work today. Hubby keeps saying he is going to get me out of there soon, but we still need to get a car loan and do a bunch of other things until I am free from the dump.