Insurance charging me out of state prices?

i live in massachusetts and my job provides us with blue cross blue shield of florida. i pay top dollar for the best plan ($500 deductible) and noticed my last appointment, i was charged $120 for. didn’t make sense to me, i met my deductible a long time ago. why wasn’t i just charged my copay?

i called insurance and the first woman i spoke to reviewed the bill and said i should’ve just been charged my $50 copay, so she transferred me to another department where they could break it down more and explain things to me better. the woman tells me that because i used an “out-of-state provider” that my copay is $60 and i was charged twice, one for the appointment and again for the doctor reviewing the results. i asked how is that right? i don’t live in florida so i’m penalized because my company offers a florida insurance? and why would i be charged twice – what happened to continuity of care?

at this time, i’m waiting for a call back. she promised to get back to me by the end of the day. in the meantime, i emailed my HR department and they said none of this makes any sense and they want to reach out to blue cross directly to speak to this woman themselves but i don’t remember her name or department, so i have to wait for her to reach back out. i also reached out to my doctor to see if she had any insight.

but what do you guys think? anyone else have insight on this situation? i feel like i can’t get ahead on these medical bills and if HR is correct, there’s going to be a lot of adjustments they’re going to have to make because they’ve been charging me for using “out-of-state providers” this entire year!

submitted by /u/MH-Counselor
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