What is coordination of benefits?

Do you have more than one health insurance plan? If so, those plans need to work together to make sure you’re getting the most out of your coverage. 

One plan becomes your primary plan. It pays your claims first. Then the second plan pays toward the remaining cost. 

That process is called coordination of benefits.  

The benefit of coordinating benefits

Coordinating your benefits helps us process your claims faster and maximizes your benefits, which can lower your out-of-pocket costs.

It’s important that we keep your information up-to-date. We’ll send you a letter from time to time asking if you have any additional coverage. Please respond to that letter. If we don’t receive your response within 45 days, we may start rejecting your claims.

Have you recently added a second insurance plan? Fill out the coordination of benefits form.

Need more information?

If you’re a Blue Cross Blue Shield of Michigan member, check out our coordination of benefits FAQ (PDF).

If you’re a Blue Care Network member, check out this coordination of benefits flyer (PDF).