{"id":67587,"date":"2025-09-22T19:45:46","date_gmt":"2025-09-22T19:45:46","guid":{"rendered":"https:\/\/rmtclinic.net\/toronto\/how-coordination-of-benefits-can-save-you-more\/"},"modified":"2025-09-22T19:45:46","modified_gmt":"2025-09-22T19:45:46","slug":"how-coordination-of-benefits-can-save-you-more","status":"publish","type":"post","link":"https:\/\/rmtclinic.net\/toronto\/how-coordination-of-benefits-can-save-you-more\/","title":{"rendered":"SPECIAL REPORT: How Coordination of Benefits Can Save You More"},"content":{"rendered":"\n

Intro: Double the Coverage, Double the Power<\/strong><\/h2>\n\n\n\n

Most Canadians don\u2019t realize that if they have access to two or more insurance plans<\/strong> \u2014 through a spouse, employer, or family \u2014 they may be eligible to combine coverage<\/strong> and claim up to 100% of their healthcare costs.<\/p>\n\n\n\n

This is called Coordination of Benefits (COB)<\/strong> \u2014 and if done right, it can eliminate out-of-pocket costs entirely.<\/p>\n\n\n\n

Let\u2019s break down how to make it work for you.<\/p>\n\n\n\n

\ud83d\udd04 What Is Coordination of Benefits (COB)?<\/strong><\/h2>\n\n\n\n

COB allows you to claim from more than one plan<\/strong>, in a specific order, to increase the total amount reimbursed.<\/p>\n\n\n\n

You have\u2026<\/strong><\/td>You can claim from\u2026<\/strong><\/td><\/tr>
Your own plan only<\/td>Just your insurer<\/td><\/tr>
Your plan + spouse\\’s plan<\/td>Yours first, then spouse\u2019s<\/td><\/tr>
Child with two parents<\/td>Parent with earliest birthday in year first<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

\ud83d\udca1 If your plan covers 80% and your spouse\u2019s plan covers 80%, you can claim the other 20%<\/strong> from theirs \u2014 up to 100% total.<\/p>\n\n\n\n

\ud83d\udccb How to Coordinate Benefits Step-by-Step<\/strong><\/h2>\n\n\n\n
    \n
  1. Submit to your own plan first<\/strong> (called the primary insurer)<\/li>\n\n\n\n
  2. Get an Explanation of Benefits (EOB)<\/strong> back (proof of what was covered)<\/li>\n\n\n\n
  3. Submit the EOB + receipt<\/strong> to the second plan (secondary insurer)<\/li>\n\n\n\n
  4. Receive reimbursement<\/strong> from the second plan for the remaining eligible balance<\/li>\n<\/ol>\n\n\n\n

    \ud83d\udcac Ask Ruby at insurance.rmtclinic.net<\/a> to walk you through the coordination process.<\/p>\n\n\n\n

    \ud83e\udde0 Tips to Make Coordination Work Smoothly<\/strong><\/h2>\n\n\n\n