Your employer should have some sort of contracted agent that handled the company policy. I once had a dispute, although, entirely different from yours. Our agent went explained the whole situation and told me what to say and argue, so I was able to settle the bill favorably.
Good luck, you're fighting the beast!
Dear Jerry1997,
You might have figured out that the fact that both plans consider themselves your primary doesn’t work in your favor; it just means that they will not coordinate benefits.
In cases where a person is lucky enough to have 2 types of coverage, the best thing to do is to find out which plan covers a particular service at a higher level & use the insurance with higher coverage.
It is true that you can bill the insurance company directly, but be careful that you don't bill both carriers for the same service because that is considered double billing & double billing can be considered insurance fraud.
It is hard to go into details without knowing more about your plans but my educated guess is that your group plan should cover your services at a higher level, so try to use your group plan.
The bottom line is when you need services, use only one of your policies & make sure the provider bills the correct carrier.
Sincerely,
Amir Mostafaie