I am a professional w family insured by an Aetna PPO. I have a particularly agregious example of what has become the norm in the insurance industry and that is claim denial by default.

Recently Aetna denied coverage of my 6 year old daughter's annual well-care visit. The reason? Apparently we had only allowed 359 days between appointments and they look for "12 consecutive months" to have elapsed.

Given a company that will automatically deny well-care coverage for a healthy 6 year old, one can only imagine the heartache they give to someone truly sick.

B. Craft