I have a choice between my health plan from my job, or my spouse’s plan from his job. My plan is far inferior to his. If I take my plan and his plan, the inferior plan becomes the primary plan for me. Would that reduce my whole coverage? And what happens if I go to a doctor that doesn’t accept my plan, but does accept his?
Betwixt and Between
Dear Betwixt and Between,
Even if your spouse’s plan will fill in all of the gaps of your own employer’s plan, you should think long and hard about keeping both. It will complicate every bill that is filed for you. You will always get a denial letter from one plan when the other plan has paid something on your behalf. The hassle may not be worth the very little extra benefit that you might (or might not) get.