What is coordination of benefits?
Who is this for?
If you’re a Blue Cross Blue Shield of Michigan or Blue Care Network member with two or more insurance plans, this information will help you learn about 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 may pay toward the remaining cost, depending on the plan.
That process is called coordination of benefits.
Update your information to process claims faster
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 have a PPO or EPO plan through Blue Cross Blue Shield of Michigan, check out our coordination of benefits FAQ (PDF).
If you have an HMO plan through Blue Care Network, check out this coordination of benefits flyer (PDF).