Insurance issues

I'm still feeling well today, but frustrated at insurance issues. If you're considering who to vote for this election, please note that only one of the people running is being clear about their healthcare plan.  Prior to the ACA (Affordable care act, also called obamacare), there was a clause that said that if you had a pre-existing condition that the insurance did not have to take you on a a client, or if they did, they did not have to cover anything related to your pre-existing condition.  I was literally uninsurable (I know, I tried to buy private insurance at the end of grad school when I aged out of my dad's insurance and COBRA ran out) unless I found a job with insurance without a pre-existing condition clause.  Please note that if the ACA is repealed and there is a pre-existing clause again, I would be uninsurable except via an employer, or claims related to my heart condition and transplant could be denied.  This would be catastrophic for us.  

I have received over $850K in bills this year. I put away $2K, my out of pocket max, pre tax. To my knowledge I had paid this already, so was confused by a bill from Duke for almost that amount again. I spoke to the finance person, who said it was all processed correctly, so I should call bcbs. I spoke to them, and they said I had met my co-insurance max, but that copays don't count towards it, so I do owe $600 for each hospitalization. They couldn't tell me when I hit my out of pocket max 

So I reached back out to Duke and they need me to find the Explanation of Benefits (EOB's) from my March hospitalization.  For which I have already found 4 seperate documents with claims from that period, and I know I am missing some.  So now I need to figure out how to get them, as the last thing I was doing while in the hospital and convalescing was paying super close attention to the mail.  I definitely owe $1200 I wasn't expecting, as it was not clear that copays aren't included. It's frustrating to have to be so on top of this, and that the two systems have different answers. This is why healthcare is my number one priority in the election. If things go back to his they were before the ACA, I could be on the hook for the entire $850K+. To give an example, my couple day hospital stay for food poisoning was $32K.  A clinic visit I believe is about $10K+.  Each time. 

Hopefully this only takes the few hours I've spent so far, and not much longer, to fix. I doubt that will be the case though, and now I have to spend time I would be doing other things in dealing with this.  This system is so broken. Please vote.  We have already successfully done so.  If you don't have a plan, please make one. I'm happy to help you look up any information you need.  Please vote as if lives depend on it (because they do)