If you enroll in Plan HRA (Health Reimbursement Account) and have other medical coverage available — for example, through your spouse's employer — you should carefully consider your coverage options. It may not be cost-effective to carry coverage under more than one plan. Note: If you enroll in Plan HSA, which includes an HSA, you cannot have coverage under any other plan, such as your spouse's, unless it also meets the IRS definition of a "high-deductible health plan."

When you have other actual coverage available for yourself or your dependents, BNY Mellon benefits will be coordinated with your other plan's benefits. Depending on the covered individual (you, your spouse, your domestic partner or your other dependent), one of the plans will be designated as the primary coverage and will be responsible for paying benefits first; the other plan will be considered secondary (which means it will only pay benefits after the primary plan has paid, and up to a maximum amount of the actual charge).

When your spouse or domestic partner has other coverage, this is how BNY Mellon determines which plan is primary:

When a child is claimed as a dependent by parents who are separated or divorced, the primary plan is the plan of the parent who has court-ordered financial responsibility for the dependent child's health care expenses. When a child's parents are separated or divorced and there is no court decree, then the primary plan will be determined in the following order:

The birthday rule described above applies if a court decree awarding joint custody does not stipulate that one parent is responsible for the child's health care.

Note: if you enroll in other medical coverage, such as through your spouse's or domestic partner's plan, including a general-purpose health care flexible spending account or health reimbursement account, or are covered by Medicare or Tricare, by federal law, you are not eligible for the HSA. (While you can still enroll in Plan HSA, you will not be eligible to open the Health Savings Account.)