I have an indiviual policy with an insurance company I can purchase a group policy through my employer Its with the same insurance company Can I use both policies?

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Two different policies (different policy ID numbers) should mean you should not have to pay anything out of pocket. The primary will pick up 80% (in most cases), and the secondary should pick up what the primary didn't pay. This usually includes deductibles, but that would depend on how high a deductible you have on your policies. Insurance companies are getting very 'stingy' of late and might try to not pay what they should; and tell you why, if you inquire, in their legalize language that even the Supreme Court of the USA has trouble understanding at times, even when it's not even a political type issue.
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