What is the best secondary insuance? 
I suspect you are asking about `` supplementary '' insurance . Secondary insurance is a term associated with when a person is covered under 2 different health insurance policies . Most commonly when a husband and wife both work at different employers and one or both are enrolled in their employer 's health plan and are covering their spouses as dependents . In this situation the two policies will `` coordinate benefits '' and one policy will cover what the other does not . But there is really no `` best '' in this situation , it 's just whatever coverage the other spouse has . Supplementary policies are numerous and varied and are offered by a growing number of insurance carriers . Some supplementary policies are specifically designed to cover health insurance plan deductible and other out-of-pocket expenses . Others can be targeted for specific situations such as cancer and critical illnesses . The sad fact is that there is no objective measure that can tell you what the `` best '' supplementary policy is for your specific situation . Some consumers will associate lots of advertising and the branding of a certain aquatic fowl with being the best . This may or may not be true . Seeking out the advice of an independent health insurance agent would be in your best interest if you are in the market for supplementary coverage . Agents tied to one specific insurance company can only show you that insurance company 's products and so their objective will be to fit your needs into their box whether it 's the best fit for you or not . 