How do you determine which health insurance plan is primary?
This is referred to as 'Coordination of Benefits'. While there are a number of different possible scenarios, the most common is when a couple is covered under two separate plans.
In such a scenario, you will always submit claims in the following sequence:
1. Your own benefits plan first.
2. Your spouse’s plan (for any remaining unpaid amounts from step 1 above). Likewise, your spouse’s claims should be submitted to their own plan first.
A full blog post going deep on this subject can be found here: https://aeva.ca/blog/what-is-coordination-of-benefits
In such a scenario, you will always submit claims in the following sequence:
1. Your own benefits plan first.
2. Your spouse’s plan (for any remaining unpaid amounts from step 1 above). Likewise, your spouse’s claims should be submitted to their own plan first.
A full blog post going deep on this subject can be found here: https://aeva.ca/blog/what-is-coordination-of-benefits