Business ProfileforMedica

We're new to Minnesota, and my partner's employer recently switched from UnitedHealthcare to Medica. Medica is a "non-profit". What on earth does that mean? Established in 1975, Medica is the product of a merger between two physician-founded HMOs in Hennepin County, and its parent company is a non-profit, tax exempt holding company called, Medica Holding Company, and Medica calls itself a non-profit HMO? Honestly, nothing is clear, except for the following:Medica fails to pay for benefits, as approved and promised; the in-network coverage is totally impossible to understand; Medica arbitrarily pays for standard coverage, usually not in full, and we just don't know what we're going to get; and, finally, for some reason it feels like we're always satisfying a deductible--but we can't figure out what it is! I am still trying to get my head around every bill and statement Medica has sent us. We're compliant--we stay in network. But, of course, we can never be sure with Medica, even though we live in Minnesota and Medica was established locally for residents. Lastly, we are, obviously, seeing Minnesota providers. So, right here is the heart of the matter: what are we doing wrong to not get benefits paid and why can't we get simple answers?In a nutshell, ever since we started using Medica we have been spiraling into medical debt and EVERY SINGLE doctor visit we have made has been followed by an invoice from the provider. At this point, I can't bear to fight this by calling Medica. I have read too many complaints on this BBB web site, Wallet Hub, ****** Consumer and others that Medica is unresponsive and gives people the runaround, and I just don't know if I have the will, much less the time, to call Medica with what is now a stack of bills that have not been covered by Medica. What we ARE doing is telling my partner's employer that we are seeking our own insurance and getting AWAY from Medica as fast as we can.