Hi Paul and welcome, I too have been in a roller coaster ride when I was originally on BCBS federal which did well with my original transplant year but became out of network after the first year. I had complications unrelated to the transplant itself but stemed from the reduced immusupresion and the recurrence of viruses which required an expensive treatment. So because BCBS was now out if network I would receive the check from BCBS and cash it then send a personal check to Mayo with the Eob and figured it would be applied to the appropriate bill. But this didn't happen and I was now treated as self pay. Well this raised the cost to me of everything. I'm still in negotiations on this matter now 3 years later but it appears it will work out in my favor.
This all happen in 2019 and in 2020 I started getting my National Guard pension which came with it a secondary insurance of Tricare which is an accepted insurance by Mayo but because of the BCBS as primary it fell to secondary. So this added to the confusion as tricare wanted to know what BCBS paid before they would pay anything. But with BCBS not sending EOB to Mayo directly, Mayo billed tricare directly without the amount that BCBS paid and was denied on that bases.
Thats the nightmare I've been going thru for over 2 years now. Finally after many phone calls my account just this year has been frozen to evaluate what happen. I've paid about 13,000 our of pocket and figure they owe me some back. Now realize I had a very expensive transplant of close to a million dollars so I'm not upset to pay some. But in my case I have insurance that will pay but needed additional information which wasn't provided. So in my case it a matter if resubmitting the correct information to the secondary insurance and receiving the money they would normally pay, thus reducing what I owed.
Now I ended up working with Lisa in the Social Workers dept to help navigate this whole area and She helped me alot to get to the right person in the finance dept who has been very helpful in figuring out how to fix this. He is still working on it in my case but it's in the finial stages now.
So to wrap up, I now have Medicare A&B with Tricare for life as secondary and haven't paid anything out of pocket since those became effective. Hope that helps and good luck with your situation. Keep at it is my advice.
Blessings