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Coordination of Benefits

Benefits payable from MCHCP medical plans are subject to coordination of benefits. MCHCP medical plans work with the various group plans to make sure each pays what it should up to the total amount of medical allowable expenses. Through coordination of benefits, the cost of health care is managed by avoiding two payments for the same charge. (This provision does not apply to individual policies you may own.)

Under coordination of benefits, one plan is designated as “primary” (which means it pays first) and the other is designated as “secondary” (which means it may pay up to any covered expenses that are not paid by the primary plan). In some instances you may also be eligible for benefits under a third plan.

It is likely your medical plan will require you to complete a questionnaire asking if you or your dependents have other insurance coverage. If you have other coverage, your plan will ask for the name of the company. This verifies how benefits are coordinated and must be answered before claims are paid.

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