Nope, same last name. Pretty positive the insurance company knows we're married. It did mean, though, that I have my own policy and my kids are under my wife's

Nope, same last name. Pretty positive the insurance company knows we're married. It did mean, though, that I have my own policy and my kids are under my wife's policy. So if my wife and kids go to the doctor a bunch and pay their deductible, should I need to go I'll have my own deductible to pay.