I did not have any problems with Aetna, until I got a second medical coverage. I could go to any Medical facility on their covered list and Aetna would pay for my visit. Now, Aetna will not pay for any office visits or medical treatments unless the bills are submitted to my second insurance company. Aetna is requiring proof of refusal of payment from my second insurance company, before they will consider paying any claims. This took over 6 months to settle a simple medical claim. Now they have gotten worse! Aetna has stopped listing the reason why a claim has been refused!