Final answer:
A husband covered by both his and his wife's insurance should schedule an annual exam with his primary care provider using his own insurance benefits, as it is the usual protocol to bill one's own insurance first.
Step-by-step explanation:
If a married couple is covered under both spouses' health insurance plans and the husband wishes to schedule an appointment for an annual exam, he should call his primary care provider and schedule an appointment using just his own insurance benefits.
Typically, a person's own health insurance should be billed first before utilizing a spouse's plan, which may serve as a secondary coverage. Using both insurance benefits simultaneously often requires coordination of benefits, where one insurance becomes the primary payer and the other is secondary.
However, in most cases for routine appointments, it's simpler and customary to use the patient's own coverage. If there are specific procedures or services that may not be fully covered by his insurance, he may want to coordinate with his spouse's insurance provider later to understand how they can contribute.