I have to say the worst health insurance company, that I consistently hear complaints about, is Aetna. Multiple parents have shared how difficult it was to get

I have to say the worst health insurance company, that I consistently hear complaints about, is Aetna. Multiple parents have shared how difficult it was to get them to cover their labor and delivery costs even though it was clearly a part of their coverage. All of them had to spend hours on repeated phone calls over several months to get them to cover it. Once a claim is denied initially, Aetna’s appeals and reviews each take 30-60 business days for each step, and they usually have wait times of 1-2 hours. Exhausted mothers who should be enjoying their precious time with newborns are instead drowning under stress from being on the hook for five figure sums, and Aetna knows that they cannot be on the phone for hours. I suspect it’s all a purposeful strategy to frustrate people and prevent them from collecting on their claims. In my opinion, if an insurance company ends up paying a claim that was denied, they should be forced to compensate the person for all the time spent, including wait times on hold, at 5x the equivalent hourly wage that person would have earned.