As I see it, there are two issues here. If either or both of you are covered under a drug plan (separate from major medical) then only one drug plan will pay. I don't have a drug plan, everything goes through major medical. My husband does have a drug plan and they don't pick up any of my Rx costs. I don't know what would happen if both policies paid for drugs under major medical, but I assume both would pay something.
I consider myself lucky not to have a drug plan. Once my deductible and out of pocket is met (in January) my major medical picks up 100% of the expense for my TKI.
However, you can be covered under two major medical plans and one becomes your primary pay and the other becomes your secondary pay. You have to deal with coordination at that point and make sure that everything is set up properly. If it is you can be lucky enough to not have to pay much of anything for labs, doctor visits, etc. It just depends on your individual policies.
Probably not going to help you much for your drugs, though. Those are the answers I got from our insurerers when I asked. You need to check with yours.
"You can't change the direction of the wind but you can adjust your sails."
DX 12/08; Gleevec 400mg; liver toxicity; Sprycel 100mg.; CCyR 4/10; MMR 8/10; Pleural Effusion 2/12; Sprycel 50mg. Maintaining MMR; 2/15 PCRU; 8/16 drifting in and out of undetected like a wave meeting the shore. Retired 12/23/2016! 18 months of PCRU, most recent at Mayo on 7/25/17 was negative at their new sensitivity reporting of 0.003.<p>