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

Henry Tse, Founder and CEO of the RMT Clinic Network Organization—an integrated platform created to connect patients with trusted para-medical providers while helping practitioners build stronger, more profitable clinics using practical, real-world business systems. After launching, operating, and selling multiple wellness businesses, I repeatedly saw the same two challenges: patients struggled to find the right care close to them, while practitioners struggled to attract consistent bookings and build predictable, compliant, and sustainable businesses. I created the RMT Clinic ecosystem to solve both problems. Through our Canada-wide “near me” directory, specialized brand marketing solutions, and step-by-step training academy, we help patients discover qualified providers while giving Registered Massage Therapists and clinic owners the systems, tools, and strategies needed to turn their professional skills into scalable businesses. Core Values Innovation • Empowerment • Community Professional Background * Vice President and General Manager, Canadian Small Business Institute: 15 years as a senior business consultant and trainer. * Direct Marketing and Advertising, 1997–Present: Strategy, brand positioning, lead generation, and business development. * Wellness Clinic Owner and Operator, 2005–Present: Launched and operated nine clinics, with three active RMT clinics currently under management. If you are an RMT or clinic owner looking for more bookings, stronger...