Subject: Re: Federal death penalty
So I had this array of Medigap, Medicare advantage, my own health care plan, and ACA to muddle through. No one selling Blue Cross Blue Shield understands my BCBS plan here. If I call Florida Blue, I understand my plan better than the person I'm talking to. My wife doesn't deal with health plans until after she's one one. :) And not even then. - Lapsody>/i>

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Wow, that is a lot of benefit programs grinding against one another, seems like it would make it easy for the insurers to get things confused over who pays what and how much has been paid. Delays and paperwork for you.

At my employer, we had a BSBS Group Medical Plan with the usual deductibles, copays and out of pocket maxes. My various healthcare providers had the BCBS Group on file as Primary, with Medicare Part A as secondary (I signed up for A since it is free). Years passed, and when I did go on Medicare Part B, I dropped the group BCBS plan at work and enrolled in a new medicare supplement (aka Medigap) also from BCBS. As I lived life, whenever I went to one of my health care providers, I advised them of my new insurance arrangement and provided the new policy numbers. I learned that only about half the time they would update their records, and bill the old employer plan and get rejected requiring me in explain it to them, sometimes a few times, meanwhile I am getting dunned by the providers computer.

Another thing that happened is one of my medical providers ordered some blood test that Medicare and Medigap paid for 100%. But the Dr sent the sample off to some specialist to get a DNA reading o some sort and my Dr provided that guy with my old insurance numbers, so I end up getting more dun letters from a medical practice I never heard of or ever went to. That bill started at $8,000 and after a couple years Medicare and BCBS paid most of it. After a couple of revised claims and adjustments, I ended up being stuck with $340 because somehow reasons... Insurance is not for the faint of heart.