Conseco Senior Health American Travellers , American Travellers Internet, Internet

After 21 years I filed my 2011 health insurance claim with Conseco.  This is a supplement policy.
It was presented initially to pay 20% of the billed amount for outpatient charges and would not pay for hospital or drugs.  

I sent it early in Jan.  They first tried to file it under my cancer policy.  I did provide my health policy number.  This is not the first time they've done that.  After about 3 weeks I rec'd a letter stating that I couldn't file under my cancer policy.  I called and asked them why they weren't using the correct policy.  They advised it would take about another month to get it to the correct people.  

Approximately a month has gone by.  I called the first of this week and was told that this policy has always been paid in error and that they would not ask for a refund but they would only pay if there was a balance due and they only 20% of that balance.  I don't have balances due usually.  I have depended on this policy to help pay for my drugs and my deductibles.  Had I known of this change I would have cancelled it.  

I was told this policy was developed to help teachers and state employees of Oklahoma who had Healthchoice insurance.  There was always 20% left over after Healthchoice paid.  They did sell it to a lot of teachers back 20 years ago.  I'm guessing that most of the people who took this group policy have now cancelled it.  Because it is a group they can't cancel me?  I believe that is correct?  Unless they cancel the entire group.  I think they would like for this policy to go away.