Aetna/SRC and Other Insurance

[mmcclure 3]

I have wonderful insurance through my company. However, they will not cover bariatric surgery. However, my husband's company insurance will so we decided to switch during open enrollment. At the last minute, he was switched to part-time and has to pick up Aetna/SRC which covers the surgery but has a limited max that they will pay for everything (including doctor visits). So, I kept my insurance and he is also getting this insurance (which considers itself primary no matter what).

My concern is, if there happens to be a complication, would my other insurance company cover that if they won't cover the bariatric surgery? I have this fear that, if there is a complication, the hospital fees will quickly go over what the limited insurance will cover and I will end up owing thousands of dollars, even though I have great insurance that just happens to not cover bariatric surgery.

Does anyone have any experience concerning something like this?

Thanks!