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@izmai In theory they are quarterbacks, coordinating care and helping you make decisions. In practice (working with insurance limits) they can be more like gatekeeper. So say you had a skin issue, they may handle it in house or send you to a dermatologist.

@kyotodragon Spouses usually cost more than the employee on the same plan. Make sure you confirm how much the new/secondary coverage will cost before starting the transition. And government plans can be better than private so comb the details.