Question:
tomorrow I pick out the health insurance policy I want, my company

Has aetna...which policy should I choose..which one will be the least painful to try to get approved through? I live in texas...do I want ppo or pos??    — [Anonymous] (posted on May 31, 2001)

May 31, 2001
I am in GA and have Aetna HMO. I just switched, too. They do pay for WLS if medically necess. PPO versues HMO can be really stood by visiting theri web site. HMO does pay for it, however, you have to stay in network for your surgery. Pick out a couple of surgeons, at least 4, and go to aetna's web page, go to the provider section and type in the names, if they come up, they are in the network, so an HMO will do just fine. If they don't you'll need a PPO or better. Remember with a PPO you will have a copay when you go out of network. could be a split of 80/20 or up to 2000 dollars, but you can go anywhere, but don't waste it if the doctor you want is in network. This is aetna's web site : www.aetnaushc.com. Good luck!
   — Courtney W.

June 10, 2001
I have Unitedhealth care PPo and it took 48 hrs to get approved. I was extremely happy. I had the docs office fax the request.
   — Linda B.