Back in the beginning of August, I wrote about how I had gotten a letter upon returning from our vacation which stated that our current insurance, Blue Cross/Blue Shield of Michigan had "recouped all previously paid claims stating "other primary insurance," and that I owed my doctor's office $1,828.
Cue head explosion.
One day between then and now, Keegan called up BC/BS to see what was up. Apparently, after I had used my Coventry Insurance, which I have from my dad, for my HSG, BC/BS realized that I had other insurance (which I had told them before!), decided it should be my primary, and kicked back all previously paid claims.
I finally got the chance (and to be honest, the courage; does anyone else hate talking to insurance people?) to call Coventry yesterday. After the whole name, phone number, address talk, the lovely man from Coventry asked if I had any other insurance. Apparently, even though I had also previously told them I do, it failed to get into my file. After giving them my info from BC/BS, Lovely Man said, "well, since we've been covering you longer, we're your primary insurance," to which I responded, "Yes, I've recently learned that the hard way."
(Can I just say that Coventry's explanation of being my primary because they've been covering me longer is way better than BC/BS' reason? BC/BS told Keegan that Coventry is my primary because my dad's birth month is before Keegan's. Not birth year, birth month. If Keegan had been born in a month before my dad, then this wouldn't have been a problem, according to BC/BS.)
After all was said and done, Lovely Coventry Man told me that I just needed my doctor's office to re-submit the claims to Coventry, and everything should be taken care of. After a quick call to Dr. B's office, the claims should be on their way to Coventry in the near future.
So, while I'm glad we've gotten everything sorted out, I won't stop holding my breath until I get a bill of $0. I don't have the $1,828 that I owe from BC/BS and I also don't have the $4,000 my HSG will cost if for some reason it's denied due to this whole mix up.
So, lovelies, the moral of the story is, if you have two insurances, don't be a dingbat like me and make sure you know which should be your primary. It'll save you a whopper of a headache.