Health Insurance? How Does It Work When My Wife Has Her Own Policy And I Have A Family Policy?

She is pregnant with our first child and I am just curious how the insurance companies work when she is covered by 2 different plans. I am thinking of putting her on my plan to save money in the long run, because pregnancy is a little pricey. Both insurances are 80/20 and $3000 max out of pocket. Any info would be grand thanks.

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