Coordination of Benefits
If your spouse has Extended Health and/or Dental coverage through their own employer, you may be able to coordinate your coverage. This means if either your plan or your spouse’s plan does not reimburse 100% of the expense, you can submit it to the other plan.
Rules About Coordinating Health and/or Dental Benefits
Coordination of plans ensures you are reimbursed up to 100% of eligible costs.
- Submit your claims to your own plan first. After you’ve been reimbursed, submit the remainder of the expense to your spouse’s plan (if needed). Be sure to keep copies of your receipts.
- Your spouse must submit their own claims to their plan first. After they are reimbursed by their plan, they can submit the remainder of the expense to your plan (if needed).
- If you and your spouse have children, submit claims for dependent children to the plan of the parent whose birthday comes first in the calendar year. After your family is reimbursed by the plan, they can submit the remainder of the expense to the other parent’s plan (if needed).