Benefits Coordination

We realize health care benefits are important to your employees. We strive to offer affordable coverage with excellent benefits and customer service. Together, we can work to control the increasing cost of health care and coverage by keeping accurate records for your employees and their families. 

Your employees may receive forms from us in the mail asking for information. When they return the forms, they help us pay their claims correctly and quickly. Delayed or missing information may affect the payment of claims.

We may request these types of information:

  • If employees have additional group health insurance [Coordination of Benefits (COB)].
  • If they have Medicare (Medicare Coordination).
  • If they were injured at work (Workers' Compensation).
  • If another party may be liable for any injuries (Subrogation).
  • If they have a dependent who is over the age of 18 (Student Verification).
  • If they have a certificate of creditable coverage (Pre-Existing Condition Exclusion).

We value the privacy of personal health information. We design the methods for sending us information to protect your privacy. These methods comply with the Health Insurance Portability and Accountability Act of 1996 (HIPAA). If employees choose to submit information through our website, rest assured that My Health Toolkit®, gives safe, fast access to benefits information.

To learn more, download the Understanding Your Benefits and Controlling Health Care Costs brochure.

Do your employees need to update their COB information? They can fill out and submit the COB questionnaire online. First, log in to My Health Toolkit and click "Other Health Insurance" and follow the step-by-step instructions.