Citi Benefits Handbook
Claims and Appeals
Aetna will make an appeal decision within 30 days with one 15-day extension available if notice of the need for an extension is given within 30 days. Aetna must also give notice that more information is needed within 30 days after the claim is filed. You will then have 45 days to submit any additional information needed to process the claim.
See "Out-of-Network Benefits" for more information on submitting a claim.