Is there a way for them to tell the difference since the insurance is still offered through the same companies non-subsidized people get it from?
Not sure. Most likely some sort of credit card thing would be used and right off the admitting nurse or office staff would know it’s that ObamaCare stuff and refuse it. It’s dealing with the paperwork then arguing the fee and having it turned down where the provider has to resubmit over and over to get reimbursed. The government will set the fee schedule; then too, how long to get reimbursed.