Canada Life "Coordinated Benefits"
My spouse and I both work for the BCPS and we're both enrolled with benefits from Canada Life. When you file claims, the website gives you the option to "coordinate benefits." Let's say we are payable for physio up to 80%, but the physio charges above customary rates. Do we get the leftover reimbursed through our spouses' plan? Does reimbursement through our spouse's plan go to their bank account?
Another scenario is if for vision care, we are entitled to 100% payable, but the glasses go over our limit, but we still have coverage through our spouse. Again, does the leftover amount paid out through our spouses' benefits go to their bank account? I bought contact lenses and new glasses a while ago, and the agent I talked to said that it would, but I'm not sure that it has.