I have double Medical coverage that I am paying premiums on. Cigna is through my husbands Employer and Blue Cross of SC is through my employer. My husband had a major inpt procedure done and his insurance paid as it should. My insurance is not paying anything on my husbands claims. Even though My Coinsurance through My insurance is 20% and the coinsurnce through my husbands policy is 40% since the provider was out of network. For example I have a claim that the primary insurance left $60.00 to patient responsibility. My coinsurnece through my policy would only be $20 if they would have been primary. But they paid nothing even though they are in network with the provider and BLue Cross of SC is telling me I am responsible for what ever primary leaves as patient responsibility. Blue Cross of SC has applied nothing to my husbands out of pocket. When I call them they are telling me they dont pay as secondary. They will only pay if my primary insurance denies the claim and it is covered under them. I was not told this when I elected to have the policy. I am paying $44/every two weeks for this benefit and I can not get out of it until the end of this year unless I quit my job. I dont know how they can take $1144 per year from me and give me no benefits. I tried to explain if nothing else I should only owe 20% not 40% since I purchased a policy for 80/20 coverage. No where in my benefit book does it state they wont pay as secondary and I will be responsible for what ever primary left as my responsibility. If I would of know this it would have been a no brainer I would not have purchased my Insurance as secondary coverage. Employees dont have a premium therefore I would have my insurance as primary for myself no matter what. I did purchase insurance for both My husband and Daughter. Any advise would be helpful. Thank you