Yes, I have aetna cover/health policy overseas, where I work.
Aetna seem to have ties with the majority of the Hospitals/Health Clinics (over here) so access for any consultation/treatment is never an issue. The Doctor does have to get pre-approval from aetna before he does any procedure on you and or any operation.
For just a consultation, no initial approval is required from aetna, but I must pay 20% of the Standard Consultation Fee and aetna then pay the balance 80%
For medicines which the Doctor may prescribe, again the Pharmacy (in the Hospital) has to contact aetna and get approval before dispensing them to you for free. aetna are slow in giving their medicine approval and often it can take up to one hour for them to give the Pharmacy the approval. But then this may just be due to where I am and in some cases due to the nature of the medicine prescribed.
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