SPECIAL REPORT: Can You Use Multiple Insurance Plans at Once?
Intro: Yes — And Here’s How to Do It Smartly
If you or your family have access to more than one insurance plan — like through your job, a spouse, or a parent — you’re allowed to use them together to maximize your coverage.
This is called dual insurance coordination and it can significantly reduce (or eliminate) your out-of-pocket expenses for eligible paramedical services like massage, physiotherapy, chiropractic, and more. Let’s dive into how to use multiple plans legally and strategically.
🔄 How Multiple Insurance Plans Work Together
When using more than one plan:
- You submit first to your primary plan (usually the one you’re listed under as the employee or owner)
- You then submit the leftover balance to your secondary plan, usually your spouse’s or parent’s
💡 Insurance companies coordinate coverage so that total reimbursement doesn’t exceed 100% — but it can come very close.
🧠 Who Goes First? Understanding Primary vs. Secondary
| Scenario | Primary Plan | Secondary Plan |
| You’re covered by your employer & spouse’s plan | Yours | Spouse’s |
| Your child is covered by both parents | Parent with earlier birthday in the calendar year | Other parent’s plan |
| You’re retired but covered under both a retirement plan and private plan | Retirement plan usually goes first | Private plan second |
💬 Still unsure? Ruby can help confirm which plan is primary at insurance.rmtclinic.net
🧾 What You’ll Need to Submit to the Second Plan
- A copy of the Explanation of Benefits (EOB) from the first insurer
- A copy of the original receipt from the service provider
- A completed claim form if required by the second insurer
Make sure the receipt includes all required info: name, license number, service date, clinic address, and provider signature.
✅ Example: Two Plans, One Massage Visit
Let’s say you have a $100 massage therapy session:
- Plan A (your employer) covers 80% → $80 reimbursed
- You submit the remaining $20 to Plan B (your spouse’s)
- Plan B reimburses up to 20% → $20 reimbursed
✅ You get 100% back — no out-of-pocket cost.
🚫 What You Can’t Do
- You can’t double-claim the full amount from both insurers
- You can’t mix coverage from two people on the same plan (e.g. parent and child on one plan)
You can’t submit to both plans at once — always submit in order
🔍 Where to Find Multi-Plan-Friendly Clinics
Use RMTClinic.net to find:
- ✅ RMT, Chiro, and Physio clinics that issue compliant receipts
- 🧾 Clinics that assist with multi-plan submission guidance
- 🗂️ Admin teams familiar with dual-plan reimbursement
✅ Action Checklist
- 🧠 Know your primary and secondary plan
- 🧾 Save your original receipt and get your EOB
- 📄 Submit claims in the correct order
- 🔍 Find a verified clinic at RMTClinic.net
💬 Ask Ruby for help at insurance.rmtclinic.net
