Jessica has two extended health plans: her primary plan covers 80% of prescription drugs, and her secondary plan covers 70% of prescription drugs. There is no deductible on either plan. She fills a prescription costing $200. Assuming her primary plan pays first, and the secondary plan coordinates benefits to ensure no overpayment, what is the total amount Jessica will be reimbursed by both plans combined?

Question: Jessica has two extended health plans: her primary plan covers 80% of prescription drugs, and her secondary plan covers 70% of prescription drugs. There is no deductible on either plan. She fills a prescription costing $200. Assuming her primary plan pays first, and the secondary plan coordinates benefits to ensure no overpayment, what is the total amount Jessica will be reimbursed by both plans combined?

Answer options: ✅ $200 (100% of the cost)

• $160 (80% from the primary plan only)
• $188 (80% from primary + 70% of the remaining 20% from secondary)
• $140 (70% from the secondary plan only)

Correct answer: $200 (100% of the cost)

Explanation: The primary plan (80%) pays $160. The remaining $40 is then submitted to the secondary plan. Since the remaining $40 is less than 70% of the original cost ($140), the secondary plan will pay the full remaining $40 to bring the total reimbursement to $200 (100%).