Leslie,
Sorry I'm late on this but just back from vacation. I am covered by two insurance companies, Cigna PPO and BC/BS traditional, and my parents were covered by 3. My secondary covers whatever is not paid by my primary including copayments so I generally wind up paying nothing other than yearly deductible of the lowest policy. I generally have to submit bill and EOB to secondary because most providers, other than Medicare, will not bill secondary. If you are Medicare as my parents were, the bills are automatically sent to secondary and tertiary if anything left to be paid. I additonally have a flexible spending account which I used for drugs and uncovered dental expenses.

My secondary is free so well worth it. You need to calculate the cost vs what it will pay. Also, some policies have a lifetime max. so a secondary can be well worth it if you max out the first. It also gives you back up coverage for everyone should something happen to your job. Sometimes disabilty and health insurance are linked. Be sure to check that.

Just another man's opinion and experience.

Take care,
Eileen