Coordination of Benefits

An employee or dependent may be entitled to Extended Health Care, Dental, and Vision & Hearing benefits from both Edmonton Catholic Schools' plan and another group plan. If duplication occurs, the benefits under this plan will be co-ordinated so benefits from all plans will not exceed the total expenses.

Which Benefit Plan is the First Payer:

If the claim is for you, your group plan would be the first payer and your spouse's plan would be the second payer.
If the claim is for a spouse, your spouse's plan would be the first payer and your plan would be the second payer.
If the claim is for a depended child, you must first determine which parent's birthday occurs earliest in the calendar year regardless of age. For example, if the Mother's birthday is January 3, and the father's birthday is January 8, claims for dependent children would go to the mother's plan first and the father's plan second.

For divorced or separated parents, the claim is submitted first to the plan of the custodial parent.

If you or your spouse are over age 65, Alberta Health & Wellness will be the first payer for all family members. Employee group plans will be the second payer.