Question:
Does Aetna USAccess have a waiting period?

I am looking to obtain insurance and I want to make sure the one I pick doesn't have a waiting period before I can get the surgery. Does some one know what Aetna's policy is? It is Aetna USAccess in St. Louis, if that helps.    — Jennifer B. (posted on November 13, 2000)

November 13, 2000
I had my surgery using Aetna US Access. I had the insurance about 1.5 years when the surgeon submitted the paperwork. I was approved in about 3 weeks with no hassles. I think whether there is a waiting period depends upon whether you have insurance now. If you can show that you have been continously insured for 6 or 12 months (not sure which), your new insurance cannot impose a waiting period for pre-existing conditions. Also, if you are getting the insurance through your employer (or your spouse's employer), the company may have negotiated a "no waiting period for pre-existing conditions" clause into the contract.
   — Gina E.