Owe Aetna money, what do I do?

[brighteyes]

Okay, life is just getting better! NOT!

I'll try to sum up the situation in bullet points as it is very very very long.

- DH left job 10/09 that had Aetna insurance
- DH found new job 11/09 that had Cigna insurance
- DH found new job 2/11 that had Aetna that started on 3/11
- Found out 1st job never canceled Aetna insurance, so we've been double insured for almost 18 months and didn't know it.
- For the past couple of months I've been fighting with Aetna on who is primary, why is the other insurance is still active, ect.
- What happened is most of my medical/pharmacy bills were billed to the 1st Aetna plan which had no deductible.
- Previous employer FINALLY canceled plan and back dated it to 2/28/11 which causes all the bills to be re-submitted under new plan.
- New plan has decent deductible, $2600.
- Since I have only been paying co-pays, I now owe well over $2K to Aetna.
- Just found this all out, but most bills were pre-filing.

Obviously I don't have the money to pay that. Can I update my creditors and include Aetna? If I do that, can they drop me? What will happen with our relationship if I do? If I can include the money owed, will it still be added to my deductible?

[catleg]

I think technically the creditors will be the healthcare providers. A lot depends on whether Aetna reimbursed them already under the old contract.
If Aetna is a creditor you could try listing them, but at best you'll reset your deductible at 0 for the year and have to pay it again.
Best case may be working out a payment plan with them. (Aetna is a sharp aggressive company, unfortunately).

[Freddy03]

If Aetna paid any providers before the plan was terminated then the policy termed (back dated) Aetna would request the money paid back from the providers and you can then submit them to your insurance that was active at the time of service. If you had a deductible then you would be responsible for the provider's insurance allowance (unless you included the providers in BK).

[Pandora]

were you not receiving EOB's from Aetna during your Cigna period and vice versa? When you went to drs / got meds, didnt they ask you to verify your insurance information and provide your card?

I hope you can get it all straightened out...