No. For one, in an HMO the providers are "capitated" paid part of the premium EVERY month, whether you use their services or not.
Technically yes, each of you will have your own primary plan and all claims for each will go through that plan first, but as secondary, the other plan will cover in areas where the hmo does not with provisions, each plan is different that way, but usually it gives more options for health care where to hmo is restrictive, you just have a lot more hoops to jump through.
Even though the HMO is the health care plan that most people have because it is the one offered by their employer, many people either overlook or do not consider the HMO's big brother, the PPO. The PPO offers much more freedom to a policyholder than does an HMO, and aside from slightly higher premiums, the services of a PPO are much more straightforward and basically outstrip an HMO in all respects. Employees should consider a PPO as a gap policy, to cover anything that an HMO does not, and to cover their family if their employer policy does not. It is simply much easier to go to doctors that you wish to go to and see specialists at any time with a PPO.
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