Credit Unions and employee health insurance coordination of benefits

[jeanine]

I have a question about Credit Unions and a post I just read. I was unaware of the federal chartering/federal instrumentality connection. We are trying to coordinate benefits with an employer plan offered by a CU. The plan insists that it offers primary coverage to its employees only if they have no other coverage, but if their spouse has coverage the plan becomes a supplemental plan only. We have requested plan language and an explanation. Something doesn't sound right to me.