Health Insurance - Coordinating Your Benefits

The RF Health Care and Dental Care plans have rules for coordinating benefit payments when you or your covered dependents are entitled to benefits under more than one plan.  These rules determine the order and amount of payment and are designed so that the combined payment by all plans does not exceed the actual cost of the services rendered. For example, if your dependent child is covered by both your plan and your spouse's plan, these rules will determine how benefits will be paid so that both plans combined do not overpay for services.

Generally, when benefits are coordinated among plans, a "primary" plan determines benefits first, as if there were no other plans.  Any other plan is considered secondary and pays allowable charges that are not covered by the primary plan.

If you have coverage under more than one health plan, refer to the certificate or handbook provided by each health plan for the rules on coordinating benefits.