Eileen --
Thanks for your reply. Nice to hear these policies CAN work together!

I'm still waiting to hear back from my former co-worker, the benefits expert. But unless my friend is dissuasive, my husband has decided to go ahead and get health insurance coverage for himself at his new job, assuming Aetna will accept him (we can show continuous coverage on my policy over the last five years). I have a flex account and he is getting one as well. He will also stay on my policy.

How do you get the secondary to pick up the cost of copayments for the primary policy? You must be an insurance wizard.

cheers,
Leslie