Coordination of Benefits

If you or your dependents are insured for similar benefits under another plan, Manulife Financial will take this into account when determining the amount of expenses payable under this program. This process is known as coordination of benefits. It allows for reimbursement of insured medical and dental expenses from all plans, up to a total of 100% of the actual expense incurred. If you wish to coordinate your benefits with your partner's plan, please complete an Application for Change form and return it to the Maritime Resident Doctors office for processing.

Use More than One Plan to get Your Money Back  

Once you have coordinated your coverage with your partner's plan, follow these easy steps:

If the claim is for YOU: First, submit the claim to Manulife. Then for any unpaid balance, send a copy of your Manulife claim statement and the other insurance company’s claim form to the other insurance company for processing.

If the claim is for YOUR PARTNER: First, submit the claim to your partner’s insurance company. Then for any unpaid balance, send a copy of the other insurance company’s claim statement with a completed EHC claim form to Manulife for processing.

If the claim is for YOUR CHILDREN: First, send the claim to the insurance company to the parent who has the earlier birth (month and day) in the year. Then submit any balance to the other parent's insurace company.

Questions? Contact Maritime Resident Doctors at 902-404-3595 or toll-free at 1-877-972-7467.

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