Your health plan is primary. That means your employer’s plan covers you for services you receive that are part of the plan’s schedule of benefits. Your coverage under your husband’s plan is secondary. This coverage can be useful when you want payment for a service that’s not included in your plan. For example, if maternity benefits were included in your husband’s plan but not in yours, you would be able to get your maternity care paid for by your husband’s (secondary) plan. The premium cost for you as a dependent on your husband’s plan needs to be weighed against the dollar value of the extra benefits you would receive.