Make multiple plans work together to receive 100 percent coverage

Date Posted: January 14, 2016

Do you have health and dental insurance under more than one benefit plan? You can use more than one plan to maximize coverage.  Student plan, parent’s plan, employer plan and spouse’s plan can work together to make sure that you are getting the most out of your coverage.  One plan becomes your primary plan.  It pays your claims first.  Then the second plan pays towards the remaining cost. 

If you have health and dental coverage through your student benefit plan, this plan will always pay first before any other plan where the student is covered as a dependent.

IMPORTANT—Make two copies of the original receipt, as you will need to send a copy to the secondary plan, and keep one for yourself.

To submit a claim for yourself:  Submit the claim to your Student Plan first (this is your primary benefit plan).  Next, an unpaid portion can be submitted to your secondary plan.

If you have more than one plan where you are the primary insured (student plan and employer plan), your primary plan will be the one you have had the longest.

Submitting Claims for your spouse:  Submit the claim to your spouse’s plan first (this is their primary benefit plan). The unpaid portion can be submitted to your student plan.

Submitting Claims for a Dependent Child:  Submit the claim to the parent’s plan whose birthday falls first in the year. The unpaid portion can then be submitted to the parent’s plan whose birthday falls second in the year. 

Remember:  Include a copy of the Explanation of Benefits statement received from the first claim submission as well as a photocopy of the original submitted receipt when you submit to your secondary plan.

If you have any questions regarding your Health and Dental Benefits contact Karen Krasowski, Room 2010A in the Students’ Association, phone 403-356-4982, email reddeerplan(at)mystudentplan.ca, website www.mystudentplan.ca


Article Author: Karen Kraswoski, Student Benefits Coordinator

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