Is this normal with two health insurances?

Non-emergency surgery (but it is pretty time sensitive and I want it done ASAP) scheduled. I have two insurances (my own PPO through my employer and a PPO I’m a dependent under.)

Hospital calls and tells me I’m out of network with my primary insurance, and my secondary plan will refuse to pay because I could find an in network hospital with my primary insurance.

Is this normal? This seems absolutely asinine that the hold up is I could theoretically find an in network hospital with my primary insurance. I asked “so you’re saying if I called my employer and canceled my own insurance, my secondary would become my primary, and I would be able to have surgery covered?” And she implied that the cancellation would have to go through the system, but effectively yes.

Info: Age: 23; Pretax income: ~$70,000; Location: Dallas, TX; Primary insurance: DFW Connectedcare (Collaboration with Baylor Scott and White; Secondary insurance: BCBS IL PPO

Edit: Automod suggested info

submitted by /u/MrHawkey50
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