OK, don't know where to start b/c this is so dang confusing to me, but here goes...
While I was pregnant I had medicaid (BadgerCare, since we are in WI) but I also had Anthem BCBS. I applied for BadgerCare b/c my policy with Anthem did not cover any maternity related services. I was dropped from BadgerCare at the end of June, 60 days after I had my baby. During my pregnancy I also injured my knee (completely tore my acl).
So it looks as though all the expenses related to my knee have been counting towards my deductible because on my latest statement from Anthem it says I have $3590 accumulated towards my $5000 deductible/maximum out of pocket. I never saw any bill for anything related to my knee. I had several visits to dr.s, surgeons, PT and I always checked that they took BadgerCare, so those bills must have gotten paid by BadgerCare.
I would like to take advantage of the fact I am so close to my deductible and have knee surgery this year and would only have to pay $1400 for it! But this all seems to good to be true. Does Anthem care that BadgerCare really paid the $3590 worth of expenses and it didn't come out of my pocket?
I have tried to email Anthem - I asked them if having secondary insurance during the course of this year would have any effect on my policy - but got some generic answer about how the policy is limited to terms and conditions in the policy contract. Emailing Anthem is better for me with 2 small children. I will call them as a last resort, but I'm afraid I may go off on them b/c I think health insurance companies are the biggest sham out there...
My mom thinks I need to spell it out to them, tell them right up front I had BadgerCare & that they paid all of the bills and this money towards my deductible/out of pocket maximum did not come from me. I say that nowhere does it say on my statements "money that you have paid towards you deductible/OOP max." KWIM?
Anyway, I'm rambling. Anyone been in a similar situation or know more about this?