Coordination of Benefits

If you also have alternate coverage (for example, your spouse/common-law partner has a Healthcare and/or Dental Plan), you can receive up to 100% reimbursement of your family’s eligible healthcare and/or dental expenses by coordinating your coverage.

You are entitled to claim benefits from your Plan(s) and your spouse/common-law partner’s plan(s) as long as the total benefits received does not exceed the actual expenses incurred.

If services are provided to you, and they are covered under the HEB Manitoba Healthcare and/or Dental Plans, Manitoba Blue Cross would be the "primary" carrier and would pay benefits first. The other insurer would be responsible for any unpaid eligible expenses. If there are still eligible expenses after your secondary insurer has paid and you are entitled to an HSA benefit, the balance may be claimed through your HSA. Should your alternate plan also have an HSA, and if a balance is still unpaid, you may then forward that unpaid balance to your alternate plan's HSA. The HSA is always the final payer of any benefits.

If other coverage is in place, please provide the following when submitting to Manitoba Blue Cross:

• A completed Manitoba Blue Cross Claim Form (including client and certificate number),
• A copy of the receipts, and
• The Explanation of Benefits or rejection notice from the other insurer.

Your Expenses

Submit your expenses in the following order:

1. HEB Manitoba Healthcare or Dental Plan through Manitoba Blue Cross.
2. Your spouse/common-law partner’s healthcare or dental plan, if applicable.
3. HEB Manitoba HSA through Manitoba Blue Cross, if applicable.
4. Your spouse/common-law partner’s HSA, if applicable.

Your Spouse/Common-law Partner’s Expenses

Submit your spouse/common-law partner’s expenses in the following order:

1. Your spouse/common-law partner’s healthcare or dental plan, if applicable.
2. HEB Manitoba Healthcare or Dental Plan through Manitoba Blue Cross.
3. Your spouse/common-law partner’s HSA, if applicable.
4. HEB Manitoba HSA through Manitoba Blue Cross, if applicable.

Your Eligible Dependant Child’s Expenses

Submit your dependant child’s expenses in the following order:

1. To the healthcare or dental plan of the covered person with the earlier month and day of birth.
2. To the healthcare or dental plan of the covered person with the later month and day of birth.
3. To the HSA of the covered person with the earlier month and day of birth.
4. To the HSA of the covered person with the later month and day of birth.

If you are separated or divorced, there are different guidelines based on custody arrangements. Submit your dependant child’s expenses in the following order:

Joint Custody

1. To the healthcare or dental plan of the biological parent with the earliest birth month.
2. To the healthcare or dental plan of the biological parent with the later birth month.
3. To the healthcare or dental plan of the spouse of the biological parent with the earliest birth month.
4. To the healthcare or dental plan of the spouse of the biological parent with the later birth month.
5. To the HSA of the parent with custody of the child.
6. To the HSA of the spouse/common-law partner of the parent with custody of the child.
7. To the HSA of the parent without custody of the child.
8. To the HSA of the spouse/common-law partner of the parent without custody of the child. 

Single Custody

1. To the healthcare or dental plan of the parent with custody of the child.
2. To the healthcare or dental plan of the spouse/common-law partner of the parent with custody of the child.
3. To the healthcare or dental plan of the parent without custody of the child.
4. To the healthcare or dental plan of the spouse/common-law partner of the parent without custody of the child.
5. To the HSA of the parent with custody of the child.
6. To the HSA of the spouse/common-law partner of the parent with custody of the child.
7. To the HSA of the parent without custody of the child.
8. To the HSA of the spouse/common-law partner of the parent without custody of the child.