I have a two insurance providers (personal plan with Blue Cross and group plan with Aetna (through First Data).

Anyone know where I can read about benefits of primary and secondary insurance and how to pick which one is which? The personal plan is 80 / 20 with a $500 deductible and $1,000 co-pay. The group plan is 90 / 10, but I am not certain what the deductible is (I think it might be $6,000 - under the family plan).

What are the repercussions of choosing one of the above as my primary? Can I switch it (back and forth) ? Will it help save some money when I go in for medical procedures, etc?

I have searched but I am not coming up with anything good - mainly just some spam sites that recommend an insurance company - but that does me know good.