Is this even legal?

I work full time and have employer based health insurance through United Healthcare that covers me and my wife. My wife works full time and has employer based health insurance through BC/BS that covers her only.

There was some confusion between her and doctors offices on whether UHC or BC was primary insurer. She assumed it was my UHC insurance, because our UHC insurance was first, chronologically (in other words, it became effective a few months before the BC/BS insurance). As a result, UHC denied a lot of her claims, saying BC/BS was responsible as the primary carrier.

Most of the claims billed in error were resolved, however, UHC said they paid two claims in error. UHC is demanding that we reimburse them for these two claims totaling $200. The letter says "our office does not recoup or retract payments". They are threatening "further action" if we don't pay.

I don't feel we should have to pay for their error. Is this even legal to demand reimbursement from us? Should I file a complaint with my state's insurance regulation department?

submitted by /u/Ok-Bit4971
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