So, I've been a Independence Blue Cross (IBX) policy holder for 10+ years, and have always had my premium billing automatically deducted from my checking account - it's a personal policy. Anyway, I get a notice in the mail from Blue Cross saying physician "allowance" payment cannot be made because patient coverage was not in effect. I call IBX, and the nice gentleman tells me that they'd had a "technical issue" on their end, and because of that, my last two monthly premium payments had not processed properly, and my policy had "been cancelled". That's why doctors were not getting their reimbursement payments. It had been over 45 days, and IBX had done nothing to notify me, the policy holder, that because of their screw-up, I was "out of coverage". So, while I was on the phone with them, I got all the billing brought current, and they are reinstating my policy (in 3-5 days). But what would have happened if something major, critical had happened while my policy was "cancelled"? And why didn't someone from IBX contact me immediately once this "technical error" was identified on their end, so that I could have avoided having my policy "cancelled" by their error. I would love it if someone from IBX would contact me to explain this to me in more detail.