COB has been going on since May

I was double covered under BCBS- one parents had federal coverage and the other has BCBS of Tennessee. I went to the ER in May of 2025, and none of the debt has been settled because the coordination of benefits still isn’t done.

I call every month, think I have it figured out, I get told which insurance is the primary, everyone seems to be at an understanding, and then a month later I get a notice saying my bills haven’t been touched because the insurance I was told is my primary is denying they are.

The last three times I’ve called, I’ve had the insurance agents speak to EACH OTHER to get it figured out while I’m on hold. I did that again last month and thought it was finally settled, but no. My primary denied they were my primary and my 3k ER bill is being sent to collections.

I’m literally at my wits end. What do I do? I’ve probably spent 40 hours on the phone with insurance since May.