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I have @Anthem Blue Cross and Blue Shield Bronze Pathway 6550X thru Healthcare gov I had to call 911 for an anaphylactic rx to wasps. First they only discounted ER bill 20% claiming they had a flat, fixed rate contract with Ascension St Francis rather than a true discount so I was left with $3699 ie 80% of the bill as it was under my deductible. I'm sure if they had to pay they would not have paid 80% of the bill! My appeal was denied and the meeting they had to discuss it I wasn't able to even attend as the letter came the day of the meeting, how convenient for them! Now they claim the City of Milwaukee ambulance is out of network leaving me over $1,000 to pay of which over $500 is out of network and doesn't even count toward my deductible or out of pocket. Yet the Fire Dept assured me they are in network. Anthem then said well we are, but not for Anthem Bronze Pathway thru healthcare gov is not! Yet they are the primary first responder for 911 calls!
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