[businessprofessor]

Having "catastrophic" coverage as "primary" is a non-starter.

Why is a major medical plan along with an HSA a non starter? My family is covered by a similar plan. My monthly premium ($50) is low. After $3,000 of expenses, the plan covers 85% of the next $3,000. At $6,000 in expenses, I no longer have any required payments. The list of preferred providers is very large. The other plan required a monthly premium of $300 with a very poor choice of doctors.

[Myrddin]

It's a non-starter because Aetna won't pay a dime until the "primary" insurance pays. The "catastrophic" plan won't pay a dime until I cough up the huge minimum expenses. I'm already coughing up $600/monthly for the Aetna coverage. I won't give them an excuse to blow me off because my wife has the "catastrophic" plan as primary. Better to dump it.

It doesn't matter what plan I have in Idaho. The list of providers is small. I don't need the extra aggravation of fighting over a stupid administrative policy.