Why has my insurance stopped covering my medical expenses all of sudden.

Is there something going with BCBS, or something? All of a sudden BC has decided to stop covering things that we have always covered… it’s taken me 2 years but I’m about to absolutely lose it. 2 years ago, is really where my issues began as that’s when I really needed my insurance. I was paying BCBS $700 a month, to have a $25 copay, $1,500 deductible, and they were to pay 80% of hospital bills until deductible was met. Well 2 years ago I was pregnant, my OB office was in network, after my first visit my OB slapped a $4,000 bill at claiming that was my portion owed for their “services” I was told that I needed to have that paid off before I gave birth. Okay.. whatever I guess. I struggled hard but I paid it off. During this time I’m having major issues with my mobility, so I now have to go to PT, also an in network provider. I got slapped with a $1,425 bill for 5 months of physical therapy… ah okay. I paid the minimum owed and that was paid off after a year. I was going into early labor told I needed to go to the ER asap, mind you my health deductible is PAID! I got hit was a $650 ER bill! ER was able to “stop” the labor. A few more weeks go by, it’s now time to deliver my son. I got hit with a $2,650 bill for my “portion”, my son got hit with $5,675 because his “deductible” wasn’t met.. okay well again my deductible is $1,500, and my “family” deductible is $3,000. Today I am still paying off these bills, now I’m getting slapped in face from a 3rd party for a bill of $8,700 for the “attendance” of his birth…. Excuse me!

Now let’s jump forward to last year 2024. Same insurance company, same coverage however now my monthly premium is actually $850 (just for myself). The first half of the year no issues, the second half I see my primary doctor twice, my copay is $25. I pay my copay and move on, now my primary doctor is claiming that I owe then $50 for both of those visits. I argue with them, show them my receipt to prove that I paid my $25. BC denied $25 for each visit now claiming that I have a $50 copay, yet has failed to provide me with any documentation of this “change”.

New year benefits elections come up, to continue with the same coverage it would now be $900 a month for just me. I have decided that I can’t do this anymore, I’m struggling to pay off my son’s bills from giving birth. So I choose to stay with BCBS but have a higher copay of $50, a higher deductible of $3,000 but still cover 80% of hospital expenses and such. I just went to the doctor last month, my SAME primary care that I have been with this whole time. They tell me that my copay is now $50 which I knew, get my care and move on my marry way. I’m now getting slapped with a $150 doctors visit bill. So essentially this visit would have costed $200, the whole visit itself costed $243. So BC only paid $43 of this visit.

I am tired. I am angry. Someone please tell me why the F BCBS is neglecting their duty to pay for these claims! Why the F am I paying them so much money for X coverage yet they won’t hold up their end of the deal.

submitted by /u/Significant-Smile-21
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