Hi stuckert,

If I understand you correctly, you have been paid for the same procedures twice. That is, you've effectively profited from your wife's illness to the tune of the cost of her treatments. Have I got that right?

In any case, then you need to honestly answer the medical insurer's question. To not do so would expose you to fraud charges, which you do not want to be involved in. Depending on the wording of the insurer's question, you may or may not have to disclose the exact nature of the policy you have.

As to how much you'd have to pay back to your employer, that I'm not sure of. If they asked for it all back, you would likely have a solid argument that they supplemental AFLAC policy should at least cover all your deductible and out-of-pocket expenses.

Best of luck to you and best wishes to your wife.