Can someone help me out with this?

I abmit it, I still don’t completely understand medical insurance — which, of course, is what they want. You may have to talk like I’m a five year old, and I’m sorry about that. I’m just really confused.

I have Blue Cross Blue Shield of Arkansas as my primary insurance from my husband’s work. Cigna Medicare is my secondary insurance due to my disability. As long as I go to a doctor who accepts both, I have nothing to pay. BCBS pays their portion then the bill is sent to Cigna. Cigna pays their portion and then the rest of the bill is adjusted to where I owe nothing. I’ve never had to pay anything for either insurance until February.

In February, I started getting bills from a few doctors offices that I’ve been to. Because I’ve been at this now for six months, I now know to call Cigna; they usually “forgot” to adjust the bill. I let them know, they adjust it, then send it back to the billing department. But there are now some times that the billing departments as well as Cigna claim that I owe money because of BCBS. For example, there is a Grievance Resolution that I got from Cigna for a procedure that I have done roughly every three months saying that the BCBS paid their portion, Cigna paid their portion, but I still owe the BCBS copay; so why has every other one of these same books for the same treatment gone through without me having to pay for anything except this one?

I just don’t want to get effed up like I did a decade ago and have to claim bankruptcy again. I’m on SSDI and don’t have the spare money to pay $50 or more for all my doctor’s appointments. I thought that Medicare was supposed to help with this.

Thanks for all your help