Hi Leslie,
I'm no insurance wizard, but I do suggest if the cost is not prohibitive that your husband cover himself only at his new job.

To get payment for anything not fully covered by his primary insurance, you simply zerox EOB from primary and bill from dr office (make certain they give you one with both diagnosis code and procedure code, this can sometimes be a hassle) and submit with form to secondary. If you are covered by secondary insurance, do NOT make any payments to primary hospital or anyone else until insurance denies it and you have exhausted all appeals if you feel they should pay. If they refuse to give you bill with codes that can be submitted for insurance, that is their problem. This is not your problem. You are insured. Tell the colllections agencies this and to go away.

Check your policies and the cost and the options and what they will pay as secondary. If he can get it without a health check and it is reasonable, I would take it depending on what your policy covers. You also need to check what your policy will cover if it is secondary for him and what the cost will be. I wouldn't change the kids.

Take care,
Eileen