I have a question about having double insurance. I have my own health insurance through my employer. My husband has his through his employer. I am thinking of adding my husband to my insurance. In the next 4-5 years he will probably have to have a kidney transplant because of a genetic disease he has. I am thinking having double insurance when this happens would be a good idea. Do you think this is a good idea or would I just be wasting my money. I anticipate a transplant will be costly and I am trying to think ahead.

Please advice.