Haven't used medical too much this year but my son went to the ER and i was told my copay was 150. I told them my old one was 100 and that i believed the new copay was lower. I paid $100 on the spot. Went home and found my copay should have been $75. I called BCBS and they said wait til i got a statement of benefits. Got that and BCBS still said i had a $150 copay. I called again and they said "yes, it should have been $75". They refiled the claim and paid the difference and the hospital automatically sent me a $25 check. The whole thing was BS though. Watch the small stuff.