Advice about double coverage while working overseas?

First off, let me preface all of this by saying that my wife (f29) and I (m30) are two full-time federal employees (non-military, non-contractors) living overseas.

We have no other kids or dependents.

We are looking to save money and were wondering if we’re overspending in insurance.

Is it worth it to be “double covered?”

I pay for… – Health insurance for myself and my wife (Aetna, Foreign Service Benefits plan / AFSPA, Choice POS II AHF) – ~$422.60/mo

dental insurance for myself and my wife (delta dental, federal employees dental program, FEDVIP, plan type: standard plan, FEHB coverage: No) – ~$53.60/mo

Vision insurance for myself and my wife (Aetna Vision Network, FEDVIP Standard) – ~$12.52

My wife pays for – health and dental insurance for just herself (DoD non appropriated Health Benefits program) – ~$117/mo

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My wife is generally healthy, but I have a few chronic conditions that require a few doctor visits every other month.

I also have some of these conditions covered through the VA (50% rating)

We are looking to expand our family in the next 1-3 years.

My questions are:

Are we paying too much for health insurance?

Would it be better to drop my wife on my health/dental plan since she has her own coverage?

is my plan better than hers? Can she/should she drop for hers?

For anyone who doesn’t know how Federal Employee sponsored health insurance works, we pretty much pay for everything in advance and then get reimbursed.

I’m afraid we’re paying for more than we’ll ever use.

I pay almost $500 a month in insurance. How do we save money? 🤦‍♂️

submitted by /u/Acceptable_Owl_4090
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