I was at the end of my rope. Aetna was denying each and every one of my service provider's bills, stating "Aetna is denying this bill as the client has another primary insurer, Horizon BCBS." This was wholly inaccurate, as while Horizon BCBS had been my insurer when I was employed, I retired on 12/31/23. Every call to Aetna ended with, "The problem is with the Coordination of Benefits (COB) and it will be corrected in 15 days." Again, this went on for six months! Rummaging through papers in my Aetna file, I found a Chapter card offering help, so I called leaving a message. Justin Morrow answered the call! Calm and patient, Justin provided excellent advice, that I followed through to the letter. Justin set up a follow-up call for today, June 12, 2024 at 3:30 p.m., I set up a conference call, and we called Aetna together. I fully anticipated more of the same, but to my amazement, "Ula" said the COB had been updated, that the update happened on June 6, 2024, which is when Justin got involved! Justin asked that she read the comments aloud to us .....and it was true......the COB was finally updated! After six months of receiving bills at my home, even to having Quest Laboratories threaten to go to collections, I could barely believe what "Ula" said. "Ula" did say it would take maybe 30 or 40 days to re-work the bills, but it was finally going to happen! THANK YOU Chapter for having Justin Morrow in your employ.....thank you so much! Kerry Gennace, 6/12/24