Work swapped us from Anthem to UHC, bill for procedure went from $50 to $1000

I'm a 34M in Kentucky.

So every six months or so for the past three years, I've had an RFA done on my spine to stem the chronic pain from a degenerative disk and arthritis.

The cost of the procedure before insurance hits is $1355.

I had not fulfilled my deductible in either case.

In both cases I was offered a base plan, a +1 plan, and a +2 plan from my employer and in both cases I went with the +1 plan. The provider I'm using is In-Network for both.

With Anthem, I had both a plan discount of $460.82 and the plan paid $842.8, and I paid a copay of $50 before the procedure leaving me with a bill of $51.30

This has been the case the last five or six times I've had the procedure done.

With UHC, I have a plan discount of $281.34 and the plan paid $0, and I paid a copay of $50 leaving me with a bill of $1023.66

Can anyone tell me why UHC paid nothing? I tried contacting them and they stated that the reason was because I hadn't hit my deductible, but I hadn't hit my deductible with Anthem either? I'm just trying to figure out why there's such a drastic difference since both plans are, on paper, near identical with only a difference of $1000 on the deductible?

submitted by /u/CitizenKing
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