Your insurance company will ask you to complete a form disclosing any other health plans you may have in place. They may mail you a form requesting the information, ask that you fill out the information online, or request that you call them directly. To complete the coordination of benefits requirement, you will need to contact your insurance company and provide the requested information.
You should keep a copy of any documents for your records in case any questions arise in the future. If you contact the insurance company on the phone, you should record the representative’s name and the call reference number.
What happens if the coordination of benefits is not completed?
If the coordination of benefits status is not updated, it is possible that your insurance company will refuse to pay any claims until the issue is resolved. They may identify the amount owed as “patient responsibility,” leaving you with the full balance for your visit. Complying with the insurance company’s request will save you time and prevent headaches down the road.
Do I still need to do this if I only have one health insurance plan?
Yes. Even though you only have one health insurance plan at this time, your insurance company may refuse to pay your claims until verification is received. Insurance companies routinely check on the coordination of benefit status and may require it even when there are no other coverages to coordinate. Complying with their requests will facilitate a smoother billing process for you as a customer.
How do I contact my insurance company regarding coordination of benefits?
The most common methods for contacting your insurance company are by phone, through their website, or through written correspondence.
What information do I need to gather?
You should gather the following documents:
- ID cards from all other health insurance plans.
- Full name and date of birth for each person on your plan that is covered by other insurance.
Where do I find policy information?
When you gather ID cards from all other insurance plans, review the card for the policy number, group number, and the names of anyone else you cover on your plan. Please note that your policy number may also be identified as a member ID, participant ID, or another synonym.
Contact numbers for the insurance company are usually on the back of the card.
Can I contact my insurance company online?
Whether you can complete coordination of benefits information online will depend on your insurance company and what options they provide. Contact information for several health plan providers is listed below for your convenience.