POS codes and provider based billing

For my insurance benefits with urgent care, I have a $50 copay for the physician and a $50 copay for the facility, but only 1 copay can be applied between both of those for a single visit. The issue I am running into is that I am receiving a $50 copay for the facility portion then another copay for the physician, which the copay is based on their tax id. So one coded as a specialist I’m receiving a $75 copay as if I had a visit with a specialist. I don’t to get choose which doctor so it’s luck of the draw what copay I get stuck with after the fact. And according to my insurance benefits I shouldn’t even be receiving 2 copays for an urgent care visit. My provider is telling me that the physician was billed under urgent care and all billing is correct and my bill also reflects that, showing the physician portion of the bill under the urgent care facility. My insurance is telling me that the physician is billed as a regular office visit so therefore regular copays apply, not urgent care. Insurance says that the facility portion of the bill has a POS code of 20 so urgent care copay applies and the physician portion of the bill has a POS code of 22 so regular copays apply. When asking my provider about this, they said they do provider based billing and the POS code 20 cannot be applied to a physician and has to have a modifier of 22. I already tried appealing with insurance and that got no where. Who is right? both, neither, am I SOL with surprise copays every time we use urgent care?