Dear hjason123,
When spouses are covered by 2 plans through their respective employers, there may stipulations on co-ordination of benefits. That means which plan pays for which benefits & when.
The comment made by her co-worker that "she isn't allowed to use your insurance", is less likely to be accurate.
For details have your wife inquire from her Human Resources department, how the co-ordination of benefits work in her plan.
Sincerely,
Amir Mostafaie
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