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.

💡 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

1. Submit to your own plan first (called the primary insurer)
2. Get an Explanation of Benefits (EOB) back (proof of what was covered)
3. Submit the EOB + receipt to the second plan (secondary insurer)
4. 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

Author: Henry Tse

Founder & CEO, RMT Clinic Network Organization | Canada-wide “Near Me” Directory + Training Academy | Helping RMTs Build Profitable Clinics About: I’m Henry Tse—Founder & CEO of the RMT Clinic Network Organization, built to connect patients with trusted para-medical providers and to help practitioners grow clinics with real-world systems. After launching, operating, and selling multiple wellness businesses, I saw the same problem everywhere: patients struggle to find the right care, and practitioners struggle to build predictable, compliant, sustainable businesses. I created the RMTClinic ecosystem to solve both—through a Canada-wide “near me” directory, brand marketing solutions, and step-by-step training that turns skill into a scalable clinic. Core values: Innovation • Empowerment • Community Background highlights: VP & GM, Canadian Small Business Institute — 15 years (Senior Consultant & Trainer) 1997–Present: Direct Marketing & Advertising (strategy, positioning, lead generation) 2005–Present: Owner/Operator (9 clinics total; currently 3 active RMT clinics) If you’re an RMT or clinic owner who wants more bookings, stronger brand visibility, and a repeatable growth system—let’s connect.