Coordinate Extended Health & Dental

If your spouse is also enrolled in a benefits program, you may be able to submit your extended health and dental receipts to both plans and get up to 100 percent of your eligible expenses reimbursed, which may impact your enrolment choices. The order you submit your claims is important! Here's why:

After submitting your receipts to the first program, you will receive a reimbursement and Statement of Claim (or Explanation of Benefits). Next, submit the Statement of Claim along with a new claim form and photocopies of receipts to the second program to claim the balance of your expense.

Here are some examples:

  • Your claims - submit your claims to your extended health and dental plans first. Your spouse must then submit an extended health claim form to their program to be reimbursed for the balance of your claim
  • Your spouse's claims - submit claims to your spouse's program first. Submit an extended health claim form (to your program) for the balance of your spouse's claims
  • Children's claims - if your birthday is earlier in the calendar year than that of your spouse, submit your children's claims to your program first. If your spouse's birthday is first in the calendar year, they will submit claims to their program first. Submit an extended health claim form to the second parent's plan to be reimbursed for the remainder of the claim

Claims for prescription drugs:

  • You can continue to use your pay direct card to pay for your prescription drugs (or your spouse's to pay for theirs). The pharmacist, however, cannot coordinate benefits, so submit a paper claim to the other person's plan to receive the remainder of eligible expenses

Claims from your Health Spending Account (HSA):

  • Submit claims to your extended health or dental plan and to any other plans (for example, if you have coordinated benefits with a spouse). Once those claims have been settled, you can claim any remaining expenses to your HSA