One of the issues that crops up with the Mulligan's Stew of insurance benefits that come courtesy of our employers and the States in which we live is the order and manner in which those benefits are applied to the charges incurred by our use of the services covered in those plans. In insurance-company parlance, this is called "Coordination of Care". Back in the days of traditional indemnity plans, medical insurance didn't kick in until after one met an annual deductible, and even then, it was split into two separate policies: normal medical (aka "Blue Cross/Blue Shield") and "Major Medical" (single-incident costs of, in today's money, probably $4000 or more). (READ MORE)







