Never again try to manage multiple insurances. Your time is worth more than you save in dollars. You’ve learned this the hard way with FSA (no thanks, never again). The same applies to a secondary coverage – avoid it at all cost. Managing one insurance for two people is pain enough in the neck. Managing two insurance coverages for three people, especially when one of them is an infant and another is a somewhat sleep-deprived mother was not a good idea.

(Yes, I realize that this is very much a “privileged” problem. But still. I can think of hundred better things to do with my time now.)