Help needed with dual coverage
My insurance companies created mess that I am trying to sort through. Help please!
Insurance 1: Cobra through Anthem after I was laid off, started December 2022, EPO with $10 copay only per visit no deductible, paid by severance benefit.
Insurance 2: Employer insurance through Anthem started February 2022, HDHP with $3000 deductible then 20% coinsurance.
I am the policyholder on both products
Laughably, but both Anthem insurances say they are secondary: Insurance 1 says so because it is Cobra, Insurance 2 says so because they started later.
My bills stay declined, providers started sending full amount bills to me, and I have been through multiple rounds of conversation with the insurance representatives that lead to the same "we are secondary" for both products.
The questions:
Who should be primary? Any chance that Insurance 2 can really be secondary?
What to do about my piling bills? Will they be re-processed once Anthem decides which is primary, or I am in a big mess here?
Any chance both will continue claiming as secondary?
submitted by /u/cray_psu
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