Leslie,

I'm not sure I know enough to comment directly on the economics of those two policies (either by themselves or in combination). Howver, in the years since my treatment I was covered for quite a long time under an Aetna indemnity plan, and then (but not at the same time) by a BC/BS plan. What has been most important to me throughout has been having a plan where I had: 1)the greatest flexibility in keeping the doctors I had been dealing with, and 2) the fewest requirements for pre-approvals of procedures I was likely to need.

Since I've never been in the position of having two policies at once, I can't say for sure whether it could be worth it. I have long suspected, though, that if a person had coverage under two plans, it would simply provide each carrier with the opportunity to try to pass off coverage responsibilities to the other one, leaving the patient caught in the crossfire.

Cathy