I get a billing statement from BCBS for office visits. They state how much BCBS paid minus the $10 copay. On the paper work there is a field for “Other Insurance” which is always $0.00. Maybe the health care provider does not send the bill to my secondary insurance Tricare Prime.
You really need to talk with an insurance professional, because your situation sounds like you are paying way too much money for health insurance.
BCBS as a prime is fine; especially if they pay everything but the copay. You are paying over %500 a year for Tricare Prime. You don’t break even until you have gone to the doctor/hospital for 50 visits - 50 copays! Unless there is another cost that BCBS isn’t covering!
I have Tricare Prime and a supplemental insurance; along with a slew of family health problems including cancer (my spouse). My health insurance cost doesn’t come close to my total medical bills had I not been insured. For me, it’s a good deal.