It is impossible for us to say without knowing all of the details of the covered benefits of each of these health insurance policies and your current medical needs. Your retiree health insurance plan will act as your primary insurer, and the coverage through your wife’s insurance plan will cover any medical expenses not paid by your primary insurance – within the limits of that secondary plan.

For example, if your primary insurance has a $2,000 annual deductible, but the secondary insurance has no deductible, then the secondary insurance will pay the medical claims that apply to the deductible imposed by the primary. If your primary coverage is highly comprehensive, with little or no out-of-pocket costs to you, then the secondary policy may be unnecessary. However, if you have no share of premium costs associated with this secondary policy, there would be no reason not to keep it.

Answer by Moderator - Monday, October 19, 2009 @ 2:41pm

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