Welcome! Thank you for your question.
You can raise your issue with the department of insurance in California. What you do need to know is that the way insurance companies evaluate who is primary and who is secondary is not based on choice but based on who's company is supplying the insurance. Since your company is supplying the cheapo policy
, it is your primary. Your wife's insurance is automatically the secondary.
With that said you need to request to see your wife's insurance policy. Your wife's policy will have details on coordination of benefits. This is how insurance companies coordinate the payment under plans to be sure that a claim is not double paid. The details of her insurance company's coordination of benefits will control how your claim should be paid.
Here is an only pamphlet from Delta dental that states that their coordination of benefits would have paid up to the amount that they would otherwise cover in your scenario. http://www.deltadentalins.com/individuals/guidance/dual_coverage-8x11.pdf
I cannot provide you with legal advise. I have provided you with information about the law related to your question. My answer, and any information that you find online, should not take the place of having a consultation with a lawyer in your area to advise you regarding your specific issues.
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