We probably spent a total of about five hours on the phone with several different agents and each of them gave us different information. We overpaid a provider by nearly $500 and BCBS couldn’t do anything about. Basically the provider overcharged us by not disclaiming the copays we had paid during several visits. At the time of the visits we haven’t reach our out of pocket max for the year so we were paying our copays like we should. However, when the provider submitted the claims we had already reached our out of pocket max so the provider submitted the claims to the insurance requiring total payment for each claim (a total of eleven claims) and not disclaiming that we already had paid $40 copay each visit, a total of eleven visits. I am not a insurance agent but for me this seems like fraud. I believe BCBS should take responsibility for this types of acts and solve the issue with the provider since it’s demanded that we pay copays to the provider. I pay the provider directly but only because my insurance card says so and to add to that I haven’t reached my out pocket max at the time. Now BCBS doesn’t want to take front and solve the issue when the provider is clearly trying to mislead and keep the money we overpaid. Last time we call a agent called our provider after arguing for one hour on the phone but instead of solving the issue and explaining to the provider the problem, the agent simply put the provider on the line with me to talk to him myself. If I wanted this type of resolution I would have called them myself. To top that the provider just alleges on the phone that he can’t login to the system and that’s it we ar still out of the overpaid money and having to deal with the provider ourselves. Why do we even have insurance?? BCBS used to have away better customer service. It’s beyond bad now!