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Can i use both Signa and Aetna health insurance?

My wife has an aetna health insurance family plan, and my job offers Signa health care for free for the first year. We are expecting a baby soon and i was wondering can we use aetna then use signa for whatever aetna does not pay? For example if some procedure cost 10000 aetna pays 80% which leaves me with $2000 to pay, signa also covers 80%, can i use them for that part, which would leave me with $400? http://NatashaObama.cn/health-insurance.html http://NatashaObama.cn/health-insurance.html http://NatashaObama.cn/health-insurance.html

Public Comments

1. Figure in how much you premium will go up. A baby rarely needs much more than checkups and vaccinations the first few years anyway. It probably will cost you more to have both policies.
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3. Your wife's plan is primary for her, and your plan is secondary. YOU don't get to choose how they each pay out, though - they will coordinate benefits themselves, which can lead to a lot of headaches. When Cigna covers 80%, with you having a 20% copay, it's 20% of the TOTAL, not 20% of the DEDUCTIBLE. So that still leaves you paying $2,000 out of pocket. When the baby arrives, which policy is primary depends on the birthdate of the baby. **Those checkups and vaccinations the first year are very, very, VERY expensive - usually costing in excess of $4,000. Says me, a mom who's written the checks.**
4. Each of you will be primary on your own policy, secondary on the other policy. As far as will the policy pick up the difference... well the best way to know is contact the insurance company that would pay secondary and ask them if they are a duplicating or non duplicating policy. If they are non duplicating, they basically calculate out what they would have paid as primary and if they would have paid more, they would pay the difference. This typically will show additional payment if the primary pays 80% and secondary pays 90% or higher. It may make a payment if the primary has a deductible and services applied there and the secondary doesn't. If it is a duplicating policy, then yes your example would be correct. Her primary would pay it's 80% of the allowed amount and then secondary would pay 80% of what primary left for you. If you add the baby to both policies, most insurance plans use the birthday rule (a few still use gender). So if your birthday falls earlier in the year than your wives (month and day only), then your policy would be prime. If it is the gender rule, then male is primary.