Tell us if you have other health insurance
If you have coverage from another health insurance company, we can work with them to minimize your out-of-pocket costs. This is called coordination of benefits and you may receive a form in the mail about this.
Please make a selection
Yes, I have coverage from another health insurance company
Before letting us know about coordination of benefits, you’ll need to gather the following documents:ID cards from all other health insurance plans Full name and birth date for everyone covered by other insurance Legal documents if anyone on your plan has other insurance because of a court order or divorce
Please make a selection
| Yes, I have coverage from another health insurance company | |
| No, I don’t have additional coverage |
No, I don’t have additional coverage
If you don’t have additional coverage, you still need to let us know. This will help avoid any delays in processing your claims.
Who is this for?
Sometimes two insurance plans work together to pay claims for the same person. That process is called coordination of benefits. Insurance companies coordinate benefits to:
- Avoid duplicate payments by making sure the two plans don’t pay more than the total amount of the claim
- Establish which plan is primary and which plan is secondary—the plan that pays first and the plan that pays any remaining balance after your share of the costs is deducted
- Help reduce the cost of insurance premiums
When one person has two health insurance plans
Your have or had a private health insurance plan and then lost it with a job change, loss or other reason and your child was covered under this plan, but have since applied and proved for MEDICAID coverage. If Medicaid later finds out or the system isn’t updated correctly they could deny claims submitted by our office thinking your child has a Primary Insurance.
That’s coordination of benefits.
You have custody of your 8-year-old son. He’s on your health insurance plan and your ex-husband’s plan. When your son goes to the doctor, we’ll review the claim to figure out which plan is primary and which plan is secondary.
That’s coordination of benefits.
Health insurance and auto insurance
You hit a deer with your car, hurt your knee and need to go to a doctor. Michigan auto insurance policies must include coverage for car-related injuries, called personal injury protection. But in most cases your health insurance is primary. So your health plan will pay first, and if there are expenses left over not covered by your plan, your auto insurance will pay those.
That’s coordination of benefits, too.
If we contact you about coordination of benefits
When we contact you and asks if you have more than one health insurance plan, you should respond, even if the answer is no.
You don’t have to wait for us to contact you. You can:
- Let your Insurance company know anytime you or anyone on your plan adds or drops other health insurance
- Confirm your existing coordination of benefits information or update it when your plan renews each year; then we need to reach you.
If we contact, you should also respond.
