SPECIAL REPORT: How Coordination of Benefits Can Save You More
Intro: Double the Coverage, Double the Power
Most Canadians don’t realize that if they have access to two or more insurance plans — through a spouse, employer, or family — they may be eligible to combine coverage and claim up to 100% of their healthcare costs.
This is called Coordination of Benefits (COB) — and if done right, it can eliminate out-of-pocket costs entirely.
Let’s break down how to make it work for you.
🔄 What Is Coordination of Benefits (COB)?
COB allows you to claim from more than one plan, in a specific order, to increase the total amount reimbursed.
| You have… | You can claim from… |
| Your own plan only | Just your insurer |
| Your plan + spouse’s plan | Yours first, then spouse’s |
| Child with two parents | Parent with earliest birthday in year first |
💡 If your plan covers 80% and your spouse’s plan covers 80%, you can claim the other 20% from theirs — up to 100% total.
📋 How to Coordinate Benefits Step-by-Step
- Submit to your own plan first (called the primary insurer)
- Get an Explanation of Benefits (EOB) back (proof of what was covered)
- Submit the EOB + receipt to the second plan (secondary insurer)
- Receive reimbursement from the second plan for the remaining eligible balance
💬 Ask Ruby at insurance.rmtclinic.net to walk you through the coordination process.
🧠 Tips to Make Coordination Work Smoothly
- 📥 Always keep original receipts and submit copies
- 📤 Submit claims within each plan’s deadline (usually 12 months)
- 📝 Some plans require a Coordination of Benefits form – ask your HR rep
📞 Call both insurers to confirm coverage overlap for massage, chiro, etc.
🔍 Real Example: How COB Saves You Money
Let’s say your massage therapist charges $100 per session.
- Your plan covers 80% → You get $80 back
- Submit the EOB + receipt to your spouse’s plan
- Their plan covers the remaining 20% → You get another $20
✅ Result: $100 covered, $0 out-of-pocket
🧾 Which Services Can Be Coordinated?
Most COB plans allow combining coverage for:
- Massage Therapy (RMT)
- Chiropractic
- Physiotherapy
- Acupuncture
- Mental Health / Psychology
Not usually covered: Supplements, equipment, cosmetic treatments
🏥 Where to Find COB-Friendly Clinics
Search verified clinics at RMTClinic.net and look for:
- ✅ RMT license required by both insurers
- 📄 Digital receipts with all details
- 💬 Support for direct billing coordination
✅ Action Checklist
- 📅 Check your benefits booklet(s) for COB rules
- 🧾 Save your receipts and EOB statements
- 🔍 Use RMTClinic.net to find RMTs who support COB
- 💬 Get help coordinating at insurance.rmtclinic.net
