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health insurance question...i have aetna?

okay, i gave birth to my 2nd child on july 10th. our insurance company which is aetna is refusing to pay. the funny thing is, they stopped paying in june using the term "exhaustion of benefits". my sons doctors office wont even see him because aetna is refusing to pay. is anyone familiar with this? yes, my husband adding him on the day he was born. im going to try to look online at our policy. there is no limit listed in our papers. i contacted aetna when i found out i was pregnant just to make sure that our benefits were good enough and at that time they were. thats why i am confused with this. human resources through my husband job is in the process of getting to the bottom of this. im not really concerned with myself but the fact that my 2 1/2 month old son is being refused care and im scared on if an emergency were to happen for my daughter and/or my husband. and also, what exactly is coinsurance?

Public Comments

1. It depends on your policy and your benefits
2. "Exhaustion of benefits" usually means that you have limited benefits and have used them up. For example, a policy that will only pay out X amount of money per year. Once you hit that annual maximum, your benefits are exhausted. (Meaning, that you don't have any coverage for the remainder of that time period.) Does your policy have an annual maximum for services? (You can find this out by looking at your policy documents/benefit booklet, or by calling Aetna directly. Members can also access their Aetna benefits online, if they are registered users.) There are a lot of policies these days sold with very limited benefits. (For example, a $20,000 yearly limit on coverage...which is nothing, practically not even worth having.) Unfortunately, the people buying these policies don't even realize how limited their coverage truly is until it is too late. Those types of policies are okay as long as you stay healthy, but they certainly aren't designed to be used as a maternity policy or for catastrophic medical situations. If you get any further details (such as specifics on any maximums you have), then feel free to post updates. We might be able to give further assistance. P.S. Did you actually turn in the paperwork to add your newborn son to your policy?