I Have 2 Ins Plans and Neither will Pay?

Texas – Question about double coverage (Cigna & BCBS) and no one paying

I have been covered by my husband’s insurance for years (Cigna) never any problems. I took a job in March and signed up for one of those high deductible plans that don’t cover anything so I could do the Health Savings Plan. I figured I was already covered under my husband’s plan so figured why not?

Now I learn Cigna hasn’t paid anything all year for the few doctors I’ve seen (nothing serious, but things like a teledoc visit for tonsilitis turned into a past due bill for $233) a couple of these visits have really added up to about $2k. Why won’t Cigna cover anything and won’t answer my questions. They get our money for the coverage, so what’s the deal? The Dr said they aren’t my primary so they won’t pay. Blue cross deductible is $5k so they won’t pay.

So now I’m out 2 insurance premiums for the year AND inflated medical bills. Is there anything i can do? I thought paying my copay was fine but now I’m getting all these bills that got kicked back unpaid from insurance. Help?

And yes, I’m only on one plan next year. Just trying to figure this year out.