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^Yes, for the scenario that you described, that is how it works. Keep in mind each person has to use their own plan first before using their spouse's.
You can also 'split' - known as coordination of benefits, if necessary.
A lot of plans will have a few different numbers for each service. Pretend your plan covers 90% of massage sessions, to $100 per session, to $1,000 annually. If one massage session is $120, even though 90% of $120 is $108, your plan will only $100 (max per sesh). Then you'd claim the remaining $20 from your wife's plan.
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