Surprise coverage

My PPO insurance plan (Federal Employee Program Blue through Blue Cross Blue Shield) has covered a couple of medical bills over the last year in full randomly. One was for an out of network ambulance ride that cost the insurance $4000 and the other was about a year later for a three month supply of a name brand prescription that cost the insurance $1200. Normally for an in network ambulance(not even out of network which, according to what I can find on the insurance website, should not be covered at all) my set copay would be $100 and for a three month supply of name brand prescription my copay would be $180. However, in both of these cases, my copay ended up being $0. I know that this is something abnormal since I’ve taken an ambulance before and gotten this same prescription and I’ve always been charged the expected copay. This may seem a little strange for me to be questioning because I suppose in theory it’s a blessing, but I’m just so confused and worried that at some point I could get a surprise bill for the amount I was supposed pay. In both of these cases, I can see that two claims were submitted before I was charged. After the first claim, the insurance sent enough to cover everything beyond my normal copay amount. Then a second claim was submitted for the full amount again, and the insurance sent in $100 in the case of the ambulance and $180 in the case of the prescription which left me with no copay in either case. I don’t want to inquire with my insurance too much about it for fear that they’ll realize a mistake and bill me so I’m hoping someone on here may know what might be happening and if I have any reason to be concerned or how I can get this to happen more often so I can save more money.

submitted by /u/StunningReward6620
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