Do I need to coordinate my benefits?

  • Updated

HSAs aren’t subject to coordination of benefit rules, since they’re not considered an insured Plan. That’s great news!

If you do happen to have another Plan (maybe your own traditional insured Plan, or your spouse/partner's Plan), you can definitely submit claims through that Plan first. Once that claim has been reimbursed, and you know the remaining balance, you can submit to your HSA. If your claim is eligible and meets the date guidelines set out, you’ll potentially see your full expense reimbursed.

If you’ve already submitted to your other Plan, please upload the Explanation of Benefits from that reimbursement in your online Member Centre when submitting your claim to your HSA.

If you know an expense won’t be covered on your other Plan, or that you’ve reached the maximum reimbursement on that Plan, you can submit for reimbursement directly through your HSA.

If your Claim was covered 100% by another Plan, it means you've been reimbursed in full and there is nothing left outstanding. The total reimbursements you receive from all Plans can't equal more than the receipt amount.