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Aetna因拒絕患癌病人的理賠申請而被要求賠償2600萬美元!

Aetna因拒絕患癌病人的理賠申請而被要求賠償2600萬美元!

Aetna

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奥克拉荷马州 — 陪審團要求醫療保險公司安泰(Aetna)向奥克拉荷马州一家庭支付2550萬美元的賠償,理由是該親屬在其去世前一年間,被Aetna拒絕其放射療法承保的要求。奥克拉荷马州報導員說,週一陪審團發現,安泰的醫生沒有用足夠的時間來審查Orrana Cunningham的病例。

OKLAHOMA CITY — A jury has instructed health insurer Aetna to pay an Oklahoma City family $25.5 million for denying a relative’s claim for coverage for a type of radiation therapy the year before she died. The jury on Monday found that Aetna doctors didn’t spend enough time reviewing Orrana Cunningham’s case, The Oklahoman reported.

The jury ruled that Aetna recklessly disregarded its duty to deal fairly and in good faith with Cunningham, who had nasopharyngeal cancer.

Aetna is considering whether to appeal. Company attorney John Shely said the insurer tries to do the right thing.

“If it’s in our control to change, that’s what we’re going to do,” Shely said. “Aetna has learned something here.”

An Aetna doctor denied Cunningham coverage for proton beam therapy in 2014, deeming it experimental, and two other in-house doctors reviewed and upheld the decision.

Doug Terry, the family’s attorney, noted that the Food and Drug Administration had approved proton beam therapy, which is also a treatment covered by Medicare. He alleged that Aetna denied coverage for financial reasons and that its doctors were unqualified, overworked and biased when making decisions.

Court records show that one doctor complained to the insurer about having to review more than 80 cases a day.

Cunningham’s family had to mortgage their home in Meeker to pay for the therapy in Texas. “We have exhausted all our resources on top of our normal living cost,” her husband Ron Cunningham, wrote on GoFundMe page before his wife died.

Orranna Cunningham, 54, died in May 2015

“My wife, her goal, was to make this fight,” said Ron Cunningham. “Her comment was, ‘If we can save one person and stop Aetna from doing what they traditionally do on every claim, it was worth the battle.'”

According to her obituary, the couple was married 28 years.

Aetna團體醫療保險計劃

由上述個案可見,Aetna並不好,所以遭來巨額的賠償要求。所以我們不太推薦Aetna的醫療保險計劃。

再者,從下圖可見,就連Aetna它們自己家的網站上,最新的一份醫保價格資料都只是去到2016年,由此可見它們也並不重視團體醫保計劃的產品,這讓我們更加不願意把它推薦給客人。

Aetna-Group-Health-Rate

Aetna紅藍卡計劃

但是,自從Aetna被CVS收購後,就推出了十分吸引人的PPO計劃 – Aetna的紅藍卡老人計劃

cvs-aetna-reinsurance

以下是我們其中一個參加了Aetna紅藍卡計劃的客人的藥物申請紀錄。

從中可見,此藥物申請單中包含好幾種不同的藥物種類,無需Copay,藥物也是不用錢的,那就是全免費!

這就是我們推薦它家的老年人紅藍卡計劃的原因!

Aetna-CVS-1 Aetna-CVS-2 Aetna-CVS-3Aetna-CVS-4 Aetna-CVS-5 Aetna-CVS-6 Aetna-CVS-7

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