Already on wife's V generous Aetna Choice POS II, deciding whether I should add my employer's Kaiser PPO HSA 1500 on top

[purpose51]

Long story short, my wife pays $50/mo pre-tax to have me added to her very generous Aetna Choice POS II plan, and I recently changed jobs and am enrolling in benefits etc. Does there seem to be any reason to add my employer's Kaiser PPO HSA 1500 on top of my wife's plan? My employer pays my premiums so there's no cost, but I know that if I enroll in Kaiser they'd have to be my primary so it would negate a lot of the due-at-service OOP cost savings that Aetna provides with their plan. Is there any reason I should sign up for Kaiser too? I don't really understand if there are benefits to doubling up...

 

[munyaku]

@purpose51 Kaiser may* OON for the other plan, so there's no point usually. Beyond that, you wouldn't be HSA eligible anyway if you are enrolled in both.

Do confirm if there's a spousal surcharge though.

 

[ngocvncom]

@munyaku That’s true for a Kaiser HMO but not for a Kaiser PPO. They only sell the PPO in the group market, but the PPO includes both Kaiser doctors and doctors from a larger leases network. In the northwest it’s this one: https://www.fchn.com/ppo-preferred-provider-network

 

[munyaku]

@ngocvncom Oh nice! Learned something new. Kaiser doesn't really exist where I am.

 

[marytx0]

@purpose51 Kaiser HMO doesn’t coordinate benefits with other insurers so there probably wouldn’t be any real benefit to having these 2 plans.

 

[purpose51]

@marytx0 Oh dang ok, guess I’ll just stay with Aetna then! Thank you!

 

[ngocvncom]

@marytx0 That’s not true about Kaiser. See this flyer as an example: https://espanol.kaiserpermanente.or...ts/forms/coordination-benefits-form-nw-en.pdf

 

[sarahmarie123]

@marytx0 OP isn't asking about Kaiser HMO, they're asking about Kaiser PPO.

 

[marytx0]

@sarahmarie123 He referred to it as an HMO in another sub, which I had seen before I responded here.

 

[sarahmarie123]

@marytx0 I....don't see that in his post history. His last comment before this post was weeks ago