My wife and I get medical, dental, and vision benefits through her job. Generally we've been pretty satisfied with them. Now for the first time, my job is offering health, dental, and vision as well.
The providers through my job are all different than those through hers. Were I to sign up, I suppose I would have to go through the hassle of changing doctors, transferring medical records, etc.
That issue aside, is there any advantage to having benefits through both providers?
EDIT: Here are some specifics. We live in the United States.
My wife's coverage is entirely paid by her employer. It's an "integrated" HMO plan: their doctors, labs, and pharmacies take only their own insurance. (It's very convenient.)
My employer is offering both a PPO and an HMO (not the same as our current one). I would have to pay monthly, and the amount is significant. I would have to change doctors because the "integrated" plan can't be use elsewhere.
RESOLUTION: I decided to decline the coverage from my employer. I would have to pay, I couldn't keep using my current health network, and any advantages you mentioned seemed not to apply to me. Thanks for all your advice.