Ok, now I am totally confused. I called the member services number on my ID card and the person there told me that our coverage is actually NOT an Aetna plan, even though it says it is an Aetna company. Because it is a different type of plan/company, they don't follow the same guidelines and rules that Aetna does. She said that it doesn't matter what type of surgery we have done, it is covered up to a certain amount, with deductibles of course.
I'm afraid to be too excited about this until my surgeon's insurance coordinator calls to confirm. But, I am optimistic because this woman told me the same thing several times and even gave me a direct phone number for the provider to call to confirm. I told her that the insurance coordinator called before and was told something different and she said that, according to our file, no one has called (they keep track of every call) and that the coordinator probably called Aetna, not them.
Has anyone had this kind of insurance before and used it? Even though my ID card very clearly says, "Aetna" on it, it also says, "SRC an Aetna Company."