Have amazing health coverage with BCBS through a family plan with high deductible (pays 100% after 4K deductible). Work part time for university and was automatically enrolled in their lesser health plan with United (pays 60% after 1K deductible, no out of network out of pocket max), which I discovered today.
Had a ton of doctors appointments along with an appendectomy in June. I only passed along my BCBS card as I thought that was my only insurance. Was fine with paying the remaining $2K to hit the $4K deductible on the plan. Someone who works for the university as well informed me I had insurance through the university. I realize this was an automatic enrollment and call United in hopes to save some money and not have to pay the entire $2K. (Thinking two insurances MUST be better than one. I was wrong).
Next thing I know, I trigger an entire investigation between the two companies in regards to which one would serve as my primary, regardless of what I decide. This is alarming because I was informed that if United “won” between the two, I may have to pay up to $15K for my appendectomy whereas with BCBS I would’ve just paid the remaining $2K. I never though having two insurances would somehow hurt me considering that the provider I went to for the procedure was out of network for United but in network for BCBS. I specifically stated I want BCBS to remain primary but they said it’s not up to me. I never even personally signed up for United so it’s a little ridiculous to me. When they began to threaten me I just hung up, contacted my insurance guy, and he told me not to give United any more info as I have never used my insurance card with them before.
Anyone have advice on this situation? Is it true I could actually be responsible for half of the full appendectomy cost if United “wins between the two?” I just don’t see how having two insurances could be worse than having one.
Edit: location is Tennessee
submitted by /u/Samomac97
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Have amazing health coverage with BCBS through a family plan with high deductible (pays 100% after 4K deductible). Work part time for university and was automatically enrolled in their lesser health plan with United (pays 60% after 1K deductible, no out of network out of pocket max), which I discovered today. Had a ton of doctors appointments along with an appendectomy in June. I only passed along my BCBS card as I thought that was my only insurance. Was fine with paying the remaining $2K to hit the $4K deductible on the plan. Someone who works for the university as well informed me I had insurance through the university. I realize this was an automatic enrollment and call United in hopes to save some money and not have to pay the entire $2K. (Thinking two insurances MUST be better than one. I was wrong). Next thing I know, I trigger an entire investigation between the two companies in regards to which one would serve as my primary, regardless of what I decide. This is alarming because I was informed that if United “won” between the two, I may have to pay up to $15K for my appendectomy whereas with BCBS I would’ve just paid the remaining $2K. I never though having two insurances would somehow hurt me considering that the provider I went to for the procedure was out of network for United but in network for BCBS. I specifically stated I want BCBS to remain primary but they said it’s not up to me. I never even personally signed up for United so it’s a little ridiculous to me. When they began to threaten me I just hung up, contacted my insurance guy, and he told me not to give United any more info as I have never used my insurance card with them before. Anyone have advice on this situation? Is it true I could actually be responsible for half of the full appendectomy cost if United “wins between the two?” I just don’t see how having two insurances could be worse than having one. Edit: location is Tennessee
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