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Home > Claims > HOW TO CLAIM > Combining plans & coordinating benefits

Combining Plans & Coordinating Benefits

Are you covered by another extended plan in addition to your student Plan (e.g. through a parent's or spouse's employer, or your own employer)? If so, you can coordinate benefits between the two plans to increase your overall coverage, up to 100%!

Steps to follow to combine plans

Make two copies of all receipts. Keep one for your records.

If you're covered by a parent's or spouse's plan
 If you're covered by your employer's plan
Submit the claim, with original receipts if needed, to your student Plan (first insurer). Your parent's or spouse's plan insurer will be your second insurer. Submit the claim, with original receipts if needed, to your employer’s plan (first insurer). Your student Plan insurer will be your second insurer.

Once your claim has been processed, you'll get a claim statement from your first insurer. Keep the original for your records.

Submit your claim again, along with copies of the first claim statement and receipts, to your second insurer.

For any eligible amount remaining, you’ll receive reimbursement with another claim statement from the second insurer.

 
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