BCBS of MA Saying I have an Overpayment and owe them on claims from Nov 2022

So I have BCBS of MA but I don't live in Mass, and I had an out of network therapist.

I would send paper claims to BCBS to see what they would cover.

In Oct 2022 BCBS updated my ID (b/c my company changed owners) but I still had the same exact plan, and even my deductible wasn't restarted or anything. Literally the only change was my ID. So when I sent the November 2022 claims I put the *new* ID just like I knew I should.

They still processed it as my old ID and denied them. I had to call them and talk to someone and explain that I didn't even put the old ID on the claim, and have the reprocess it under the new ID. Which eventually they did, after multiple different discussions and explanations. Eventually I got reimbursed for it.

I got a letter in the mail today saying I owe them several hundred dollars. They're saying that I wasn't covered (which is bull – I'm literally using the same ID today, with the same coverage). I've been with BCBS of MA for literally almost 13 years at this point.

I feel like they're just going to keep coming back to me saying that I wasn't covered, because I must've talked to them a thousand times it feels like. I'm tired of talking to them about this.

My overall question is, these claims are from November of 2022. I know that I, myself, only had 180 days to submit the claim to them. Can they really come back 1.5 years later and demand payment from me if I just ignored it?

Like what is their actual legal recourse?

Could they cancel my current policy (under a different ID, and technically different company ownership) even though I know they reviewed the claims as if they were under an old ID?

There was nothing in the letter that seemed like threatening, like I *had* to pay, is that because they can't make me pay, and are really just hoping I will pay them if they ask nicely? lol

submitted by /u/CalciteQ
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