SPECIAL REPORT: Can You Use Multiple Insurance Plans at Once?

Intro: Yes — And Here’s How to Do It Smartly

If you or your family have access to more than one insurance plan — like through your job, a spouse, or a parent — you’re allowed to use them together to maximize your coverage.

This is called dual insurance coordination and it can significantly reduce (or eliminate) your out-of-pocket expenses for eligible paramedical services like massage, physiotherapy, chiropractic, and more. Let’s dive into how to use multiple plans legally and strategically.

🔄 How Multiple Insurance Plans Work Together

When using more than one plan:

You submit first to your primary plan (usually the one you’re listed under as the employee or owner)
You then submit the leftover balance to your secondary plan, usually your spouse’s or parent’s

💡 Insurance companies coordinate coverage so that total reimbursement doesn’t exceed 100% — but it can come very close.

🧠 Who Goes First? Understanding Primary vs. Secondary

Scenario	Primary Plan	Secondary Plan
You’re covered by your employer & spouse’s plan	Yours	Spouse’s
Your child is covered by both parents	Parent with earlier birthday in the calendar year	Other parent’s plan
You’re retired but covered under both a retirement plan and private plan	Retirement plan usually goes first	Private plan second

💬 Still unsure? Ruby can help confirm which plan is primary at insurance.rmtclinic.net

🧾 What You’ll Need to Submit to the Second Plan

A copy of the Explanation of Benefits (EOB) from the first insurer
A copy of the original receipt from the service provider
A completed claim form if required by the second insurer

Make sure the receipt includes all required info: name, license number, service date, clinic address, and provider signature.

✅ Example: Two Plans, One Massage Visit

Let’s say you have a $100 massage therapy session:

Plan A (your employer) covers 80% → $80 reimbursed
You submit the remaining $20 to Plan B (your spouse’s)
Plan B reimburses up to 20% → $20 reimbursed

✅ You get 100% back — no out-of-pocket cost.

🚫 What You Can’t Do

You can’t double-claim the full amount from both insurers
You can’t mix coverage from two people on the same plan (e.g. parent and child on one plan)

You can’t submit to both plans at once — always submit in order

🔍 Where to Find Multi-Plan-Friendly Clinics

Use northtormt.com/ to find:

✅ RMT, Chiro, and Physio clinics that issue compliant receipts
🧾 Clinics that assist with multi-plan submission guidance
🗂️ Admin teams familiar with dual-plan reimbursement

✅ Action Checklist

🧠 Know your primary and secondary plan
🧾 Save your original receipt and get your EOB
📄 Submit claims in the correct order
🔍 Find a verified clinic at northtormt.com/

💬 Ask Ruby for help at insurance.rmtclinic.net