• Health & Wellness
  • Health
    • Health Plan Overview
    • Participation
      • Enrolling in the Health Plan
      • Eligible Family Members
      • Special Provisions for Former Spouses
      • Cost of the Health Plan
      • Changing Coverage or Stopping Coverage
    • Blue Cross Blue Shield PPO
      • Emergency Coverage
      • Home Health Care Benefits
      • Prescription Drug Benefits
      • Mental Health and Substance Abuse Benefits
      • Services Not Covered
      • Appealing a Denied Claim
      • Out-of-Network Benefits
      • Routine Physicals
    • Network Blue New England
      • Emergency Coverage
      • Home Health Care Benefits
      • Prescription Drug Benefits
      • Mental Health and Substance Abuse Benefits
      • Services Not Covered
      • Appealing a Denied Claim
      • Routine Physicals
    • Boston Medical Center Preferred
      • What’s Covered under Boston Medical Center Preferred
      • Emergency Coverage
      • Home Health Care Benefits
      • Prescription Drug Benefits
      • Services Not Covered
      • Appealing a Denied Claim
      • Routine Physicals
    • Health Plan Comparison
      • Chiropractic Care
      • Drug and Alcohol Treatment
      • Durable Medical Equipment
      • Emergency Room Visit
      • Family Planning
      • Hospital Benefits
      • Mental Health Benefits
      • Physical Therapy
      • Physicians’ Services
      • Prescription Drugs
      • Preventative Care
      • Eye Exams
      • Deductible
      • Out-of-Pocket Maximum
      • Lifetime Maximum Benefit
      • Provider Choice
      • Copayments
      • Benefit Level
      • Claim Forms
    • Events That Affect Participation
      • If You Have a Qualified Change in Status
      • When You Retire
      • If You Become Totally Disabled
      • If You Die While You Are a Member of the Plan
      • If You Are Actively Employed When You Reach Age 65
      • Taking a Leave of Absence
      • When Your Coverage Ends
      • Continuing Under COBRA
        • Disability Under COBRA
        • When COBRA Ends
        • Second Qualifying Events
        • Continuing COBRA Coverage
      • Coverage Through Medicare
    • Prescription Drug Coverage
    • Other Information
      • Coordination of Benefits
      • Subrogation
  • Dental
    • Dental Plan Overview
    • Participation
      • Enrolling in the Dental Health Plan
      • Changing or Stopping Coverage
      • Cost of the Dental Health Plan
    • How the Dental Plan Works
      • BU Dental Health Center Plan
        • Covered Dental Services
        • Dental Services Not Covered
        • Boston University Dental Health Centers
        • Appealing a Denied Claim
      • Dental Blue Freedom Plan
        • Covered Dental Services
        • Dental Services Not Covered
        • Boston University Dental Health Centers
        • In-Network Dentists
        • Out-of-Network Dentists
        • Appealing a Denied Claim
    • Events That Affect Participation
      • Qualified Changes in Your Family or Enrollment Status
      • When You Retire
      • If You Become Totally Disabled
      • If You Die
      • Taking a Leave of Absence
      • When Coverage Ends
      • Continuing Coverage Under COBRA
        • Second Qualifying Events
        • Continuing COBRA Coverage
        • Disability Under COBRA
        • When COBRA Ends
  • Disability
    • Short-Term Disability
      • Short-Term Disability Plan Overview
      • Participation
      • How the Plan Works
        • Weekly STD Payments
        • STD Benefit Duration
        • Tax on Your STD Income
        • Exclusions and Limitations
      • How to Obtain Benefits
        • Processing STD Claims
        • Appealing a Denied STD Claim
      • When Membership in the STD Plan Ends
    • Long-Term Disability
      • Long-Term Disability Plan Overview
      • Participation
        • Waiver of the Three-Year Service Requirement for the LTD Plan
      • How the Plan Works
        • Monthly LTD Payments
        • LTD Benefit Duration
        • Tax on Your LTD Income
        • Exclusions and Limitations
        • The Monthly Retirement Plan Waiver Benefit
      • How to Obtain Benefits
        • Processing LTD Claims
        • Appealing a Denied LTD Claim
      • Events That Affect Participation
        • Taking a Leave of Absence
        • When Membership in the LTD Plan Ends
    • Workers’ Compensation
  • DASH for Health
  • New England Eye Institute Benefit
  • QuitNet
  • Fitness & Recreation
  • Faculty/Staff Assistance Office
• Finances
  • Survivor Insurance
    • Survivor Insurance Overview
    • Basic Life Insurance Plan
      • Plan Coverage
      • How the Plan Works
        • Obtaining Benefits
        • Cost and Tax Considerations
        • Payment of Benefits to Your Beneficiary
      • Events That Affect Participation
        • If You Terminate Employment
    • Group Supplemental Life Insurance Plan
      • Plan Coverage
      • How the Plan Works
        • Enrolling Your Dependents
        • Cost of Supplemental Life Insurance
        • Changing or Stopping Your Supplemental Life Insurance
        • How to Obtain Benefits
      • Events That Affect Participation
        • If You Terminate Employment
    • Travel Accident Insurance Plan
      • Plan Coverage
        • Types of Coverage
        • Common Accident Coverage Limitation
        • Limitations
      • How the Plan Works
        • How to Obtain Benefits
      • Events That Affect Participation
    • Personal and Family Accident Insurance Plan
      • Plan Coverage
        • Types of Coverage
        • Loss of Use Benefit
        • Exclusions
      • How the Plan Works
        • Changing or Stopping Coverage
        • How to Obtain Benefits
        • Cost for Personal and Family Accident Insurance
      • Events That Affect Participation
        • If You Terminate Employment
      • Qualified Changes in Your Family or Enrollment Status
    • Supplemental Death Benefit Plan
      • How the Plan Works
      • Events That Affect Participation
  • Retirement Plan
    • Retirement Plan Overview
    • Participation
      • Enrolling in the Retirement Plan
      • Contributions to the Retirement Plan
      • Before-tax Versus After-tax Roth Contributions
      • Contribution Limitations
      • Changing or Stopping Your Elections
      • The Boston University Plan 1965
    • How the Plan Works
      • Investment Choices
      • Investment Restrictions
      • Moving Account Balances Between or Within Investment Sponsors
      • Statements of Your Accounts
      • When Your Participation Ends
      • Fidelity and TIAA/CREF Costs
    • How to Obtain Benefits
      • Married Participants
      • Forms of Payment from Fidelity
      • Forms of Payment from TIAA Traditional Annuity
      • Forms of Payment from CREF
      • TIAA and CREF Annuities Combined
      • Forms of Annuity — TIAA/CREF Only
      • Appealing a Denied Claim
    • Events That Affect Participation
      • If You Become Totally Disabled
      • Taking a Leave of Absence
      • If You Leave the University
      • If You Die Before You Begin to Receive Benefits
    • Other Information
      • Employee Classification in “Subplans”
      • Tax Considerations
      • Payments to Others
      • Not Insured by PBGC
  • Supplemental Retirement & Savings Plan
    • Supplemental Retirement & Savings Plan Overview
    • Participation
      • Enrolling in the Plan
      • Your Spouse’s Rights
      • Contributing to the Plan
      • Changing or Stopping Your Elections
      • Before-tax Versus After-Tax Roth Contributions
    • How the Plan Works
      • Investment Fund Sponsors
      • Investment Restrictions
      • Moving Account Balances Between Investment Sponsors
      • When Your Participation Ends
      • Fidelity and TIAA/CREF Costs
      • Making Withdrawals on Your Accounts
      • Taking Loans from Your Accounts
    • How to Obtain Benefits
      • Forms of Payment from Fidelity
      • Forms of Payment from TIAA/CREF
      • Annuity Forms — TIAA/CREF Only
      • Appealing a Denied Claim
    • Events That Affect Participation
      • Taking a Leave of Absence
      • If You Leave the University
      • If You Die Before You Begin to Receive Benefits
    • Other Information
      • Tax Considerations When You Receive Benefits
      • Payments to Others
      • Correction of Mistakes
      • Not Insured by PBGC
  • Retirement Planning Resources/Tools
    • Income Solutions
    • ESPlanner Financial Planning Software
    • Personal Finance Video Series
  • Social Security
  • Severance Pay Plan
  • Unemployment
• Work/Life
  • Changes in Your Work & Family
    • Becoming a Boston University Employee
    • Becoming a Parent
    • Change in Spouse’s Employment Status
    • Designating Beneficiaries
    • Getting Divorced
    • Getting Married
    • If You Become Disabled
    • In Case of Your or a Family Member’s Death
    • Taking a Leave of Absence
    • Leaving or Retiring from Boston University
  • Flexible Benefits Program
    • Flexible Benefits Plan Overview
    • Participation
      • Enrolling in the Flexible Benefits Plan
      • Contributions to the Flexible Benefits Plan
      • Changing or Stopping Your Contributions
    • How the Program Works
      • Tax Advantages of the Program
      • How the Reimbursement Accounts Work
        • How to File a Claim
        • Use of Forfeitures
        • Limitations to the Reimbursement Accounts
    • Dependent Care Reimbursement Account
      • Maximum Contributions
      • Contribution Limitations
      • Filing Claims
      • If You Are Divorced or Separated
      • Qualifying Individuals
      • Qualifying Services
    • Health Care Reimbursement Account
      • Eligible Health Care Expenses
      • Filing Claims
    • Events That Affect Participation
      • When Your Participation Ends
      • Taking a Leave of Absence
      • Qualified Changes in Your Family or Enrollment Status
  • Resources for You and Your Family
    • Child Care and Preschool Education Programs
    • Faculty/Staff Assistance Office
    • Family Resources Office
    • Personal Insurance
    • Real Estate Advantage Program
  • Long-Term Care Insurance
  • Tuition Benefits
    • Tuition Remission
      • Tuition Remission Program Overview
      • Participation
      • How the Program Works
        • Apply for Tuition Remission
        • Cost of the Program
        • Courses Not Covered
      • Tuition Remission Benefits
        • Your Tuition Remission Benefits
        • Tuition Remission Benefits for Your Spouse
        • Tuition Remission Benefits for Your Dependent Children
      • Events That Affect Participation
        • Paid Leaves of Absence and Sabbaticals
        • Unpaid Leave of Absence
        • Extended Military Leave
        • Medical Leave of Absence
        • Termination of Employment
      • Other Information
        • Income Tax Considerations
        • Type of Program
    • Tuition Exchange Program
      • Tuition Exchange Program Overview
      • Participation
      • How the Program Works
        • Scholarship Amount
        • Selection Process
      • How to Apply for Tuition Exchange Benefits
      • Events That Affect Participation
        • Paid Leave of Absence & Sabbatical
        • Unpaid Leaves of Absence
        • Termination of Employment
      • Other Information
  • Time Off
    • Non-Represented Employees
    • Employees Represented by BUPPA
    • Employees Represented by BUSOA
    • Employees Represented by L2324
    • Employees Represented by Local 615
    • Employees Represented by Local 888
• Administrative Information
  • About Your Plans
    • Types of Plans, Plan Numbers, and Plan Years
    • Administrator for All Plans
    • Funding and Administration of All Plans
      • Defined Contribution Plans
      • Contributions to the Health Plans
      • Contributions to the Dental Health Plan
      • Contributions to the Basic and Group Supplemental Life Insurance Plan
      • Contributions to the Travel Accident and the Personal and Family Accident Insurance Plan
      • Contributions to the Long-Term Disability Plan
      • Contributions to the Dependent Care and Health Care Reimbursement Accounts
      • Programs Paid from General Assets
    • Agent of Legal Service
    • Fraudulent Claims
    • Appealing a Denial of Benefits
    • Documents and Laws Governing All Plans
    • Equal Employment Opportunity
    • Amendment or Termination of the Plans
  • Your Rights Under ERISA
  • Summary Annual Reports

Coordination of Benefits

The Boston University Health Plan has provisions for coordination of benefits with other health care plans covering you or any of your covered dependents. This prevents overpayments to health care service providers. If you are covered by more than one insurance plan (including Workers’ Compensation and auto insurance), the plans will coordinate the payment of costs so that total payments will not exceed your actual expenses.

If you are covered by more than one medical plan, contact the Benefits Section of Human Resources for more information on coordination of benefits and how to file a claim.