@trang, @hirschey, and I are contemplating a trip to Africa to visit my brother @jhimmel in Liberia. The U.S. Centers for Disease Control and Prevention recommends several vaccines for travelers to Liberia. And the yellow fever vaccine is required before the Liberian consulate will issue a travel visa.

Anyways, I have the University of Pennsylvania Postdoctoral Insurance Plan through Aetna. I messaged my primary care physician at Penn Medicine and her office recommended obtaining the required vaccines through Penn Travel Medicine. Therefore, I messaged Aetna via their website to inquire about whether my Penn insurance would cover this preventative care at Penn's clinic.

The experience was not great and I don't have much more clarity than when I started. For the record and in case this is helpful for anyone else, below is my message transcript with Aetna:

From Me to Aetna on 2019-10-02

Greetings,

I am traveling to Liberia, Africa in February 2020 and have contacted the "Penn Travel Medicine" clinic for vaccinations. This clinic does not accept insurance. Instead patients pay directly and must submit claims to insurance for reimbursement.

According to the CDC recommendations, I may need one or more of the following vaccines (I've included the Penn Travel Medicine pricing for each):

• $220 for yellow fever
• $400 rabies for each of 3 inoculations
• $120 hepatitis A for each of 2 inoculations
• $100 hepatitis B for each of 3 inoculations
• $130 typhoid fever

Furthermore, the consultation fee required to visit the clinic is $85.

Can you inform me what amount of the above expenses are covered by my insurance plan? According to my math, if all vaccinations listed above are deemed necessary, the total cost would be $2,175. Assuming proper documentation, how much of this will Aetna reimburse?

From Aetna to me on 2019-10-03

From: Member Services
Dear Daniel Himmelstein:

Thank you for using your secure member website to contact Aetna. To help protect your confidential information, please continue to use the link 'Contact Us' to send a message. This online form provides greater security than standard Internet email.

Determining coverage
Coverage for services is based on your plan and certain clinical criteria called a Clinical Policy Bulletin (CPB). Please be sure to review and discuss the CPB with your doctor.

Finding a Clinical Policy Bulletin (CPB)

1. Under Plans, click on the 'View Coverage' for Medical.
2. Scroll down to the section called "Some Helpful Information" and click on 'Find a Clinical Policy Bulletin'.
3. Choose one the options of Medical, Dental or Pharmacy Clinical Policy Bulletins.
4. Click the 'I Accept' button.
5. You can search by Alphabetical, Numerical, a keyword or with the policy number '0473'.
6. Click 'Go'.

The information provided above is not a guarantee of coverage. Coverage is based on all the terms and conditions of your plan as well as eligibility at the time services are received.

Your plan covers immunizations administered by participating providers at 100% of the network negotiated charges with no deductible

Submitting a claim
You can submit a claim for reimbursement. Please send us an itemized bill including the following information:

• Diagnosis code
• Description of services performed or a billing code
• Date of service
• Federal Tax Identification Number (from treating doctor or facility)
• Billing and servicing address
• Patient name
• Receipt showing payment

You can send your claim to us several ways:

• Mail your information to the address on the claim form or to the address located on the back of your ID card.
• Fax your claim to us at: 1-866-474-4040.
• Use the 'Contact Us' link, attach your claim form and email it to us.

If you need a claim form

1. On your home page, click the 'Documents & Forms' link at the top.
2. To the left; choose the type of forms you wish to view.
3. Scroll and click to open a PDF copy of the form you want to view and print.

Remember, if you use an in-network Doctor, they will submit claims for you.

If you have additional questions, send us a 'Contact Us' message or call the toll-free number on your member ID card, if applicable.

Sincerely,
Aetna Internet Response Team
41316208

From Me to Aetna on 2019-10-03

Please see the attached file 2019-10-03_aetna-message-reply.pdf for my reply, which exceeded the max character count for this message box.

Side note for the technical team: it's a bad implementation to silently truncate pasted text. At least give a warning that the max character count has been reached, since I almost submitted a partial message. Also I found that it's essential to compose the message in an external application because the messaging page logs out after inactivity and renavigates based on activity on other Aetna pages, making it highly unlikely that a complex communication can be composed before getting lost.

---

Dear Aetna Internet Response Team,

Thanks you for the response and information. I would like to inquire further about the following statement:

Your plan covers immunizations administered by participating providers at 100% of the network negotiated charges with no deductible

I am wondering whether the travel immunizations listed in my first message would be reimbursable if provided by Penn Travel Medicine. Penn Travel Medicine is the clinic recommended by my in-network primary care physician. However, they do not accept insurance. Instead patients pay via credit card. Hence, I assume they are not a “participating provider” with “network negotiated charges”.

Based on your advice, I read the Vaccines for Travel bulletin. This document includes all the vaccines I potentially need, which are CDC recommended for certain travellers to Liberia. It also describes the “medically necessary indications”, which from my reading cover at-risk individuals in their travel to Liberia.

From the document “Summary of Benefits & Coverage: Standard Supplemental Information”, I found the following:

The following is a partial list of services and supplies that are generally not covered ... Immunizations for travel or work except where medically necessary or indicated.

Does this mean that travel related immunizations that are medically necessary / indicated are covered by my plan?

In short, I am back to asking my original question. If I go to Penn Travel Medicine and get the medically-necessary immunizations listed in my first message for a total cost of $2175, how much, if any, of this amount is reimbursable?

Based on my plan, will Aetna reimburse 100% of immunization costs at the prices listed in my first message, even though the provider is potentially out-of-network? If not what is the maximum reimbursable amount for each of the immunizations?

From Aetna to Me on 2019-10-03

From: Member Services
Dear Mr. Himmelstein:

Thank you for using your secure member website to contact Aetna. To help protect your confidential information, please continue to use the link 'Contact Us' to send a message. This online form provides greater security than standard Internet email.

Your suggestion
Thank you for your feedback on our website. We're continuously working to enhance it by adding new and improved features over time. We apologize for the inconvenience caused.

Your plan excludes coverage for immunizations solely for the purpose of travel.

Therefore, there would be no benefits available for immunizations performed solely for the purpose of travel.

Your request
Penn Travel Medicine does not participate in your Aetna health plan. You can search for an in-network doctor in your secure member website.

Using Find Care
The search feature prefills your plan and zip code to help you find in-network care faster. You can search by name, specialty or category.

Finding a doctor

1. Click the 'Find Care' tab.
2. Then enter the type of provider you are looking for into the search box.
3. Several choices may appear. Choose the option you want to see by clicking the arrow to the right to view in-network providers in your area.

Searching in a different zip code

1. Click in the box where your registered town and state are located.
2. Enter the new zip code or city information and then click 'Apply'.
3. Re-click on the arrow to get your list of in-network providers in the new search area.

Note: Some doctors can work in several offices. If you plan to see a doctor at a different office than you normally would, make sure to check they are in-network at that location.

If you have additional questions, send us a 'Contact Us' message or call the toll-free number on your member ID card, if applicable.

Sincerely,
Aetna Internet Response Team
41322555

Conclusion

In the last message Aetna claims they will not cover the immunizations if they're solely for the purpose of travel. I think this is bad policy since it makes preventative care expensive. It's disappointing that the one of the few times I actually need my health insurance, it seems that it won't apply.

Also I am still not sure where to find the contractual agreement that indicates whether the vaccines should be covered. I guess I should submit the claim and see what happens? In the meantime, I've been working to assemble a spreadsheet of all my inoculations throughout my life and looking into other health care providers with lower costs.