I have two Health Plans, my Primary is Healthnet through my work and the secondary is Cigna through my husband's work. For almost a year I have been submitting my receipts for RX to Cigna and they have been reimbursing my copay amount. In October my work changed our benefits and now my copay is a lot higher, from a couple dollars per RX to a min of $10 for RX. Now Cigna is stating there is no coordination of benefits for RX and they will not pay. It is my understanding that coordination of benefits is when the two companies work together to make sure the benefits are not being paid twice. If I am actually making the payment and submitting it for reimbursement, it does not fall under coordination of benefits, it's reimbursement?!? Is it right that just because I have two insurances one can just decide to waive all my RX benefits?