If you are covered for health or dental benefits under your spouse’s benefit plan, you can coordinate with your GSC benefits to receive up to 100% coverage by accessing both plans.

A tutorial on how to submit claims to multiple benefit plans

Your claims:

  1. 1First, submit claims to GSC (this is your primary benefit plan).
  2. 2Next, submit the unpaid portion to your spouse’s benefit plan (this is your secondary plan).

Your spouse’s claims
(if applicable):

  1. 1First, your spouse must submit claims to their benefit plan (this is his/her primary benefit plan).
  2. 2Next, submit the unpaid portion to your GSC plan (this is his/her secondary plan).

Your children’s claims
(if applicable):

  1. 1First, submit your children’s claims to the plan of the parent whose birthday falls earliest in their year, regardless of the year of birth.
  2. 2Next, submit the unpaid portion to the other parent’s plan.

Your children's claims if you are separated or divorced:

  1. 1If you have joint custody:
    • First, submit your children’s claims to the benefit plan of the parent whose birthday falls earliest in the year regardless of the year of birth.
    • Next, submit the unpaid portion to the other parent’s plan.
  2. 2If you do not have joint custody:
    • First, submit your children’s claims to the benefit plan of the parent who has custody of the child.
    • Next, submit the unpaid portion to the plan of the parent who does not have custody of the child.
  3. 3If you do not have joint custody and you are re-married:

    Submit claims in the following sequence:

    1. 1Submit to the benefit plan of the parent who has custody of the child.
    2. 2Submit any unpaid portion to the plan of the spouse of the parent who has custody of the child.
    3. 3Submit any unpaid portion to the plan of the parent who does not have custody of the child.
    4. 4Submit any unpaid portion to the plan of the spouse of the parent who does not have custody of the child.

Would you like an example?

GSC Plan Member – John Smith (Birthday: September 1, 1970)
Spouse – Anne Smith (Birthday: December 10, 1968)
Dependent – Baby Smith

John was born earlier in the calendar year than Anne, so they should submit Baby’s claim to GSC first. If they were both born on the same day of the year, first they should submit the claim to the plan of the parent whose initial comes first in the alphabet.

Always remember:

Include a copy of the Explanation of Benefits statement received from GSC, as well as a photocopy of the originally submitted claim form, when you coordinate.