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 northtormt.com/ 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 northtormt.com/ to find RMTs who support COB
💬 Get help coordinating at insurance.rmtclinic.net