Coordination of Benefits

Coordination of benefits (COB) is a crucial process in health insurance that ensures patient families don't receive duplicate payments for covered services when they have multiple plans. COB rules determine which plan is "primary" and how much each plan contributes to covering expenses. This occurs when there is additional health insurance coverage through your spouse, another employer or a government-sponsored program (Medicaid, Medicare or Medical Assistance).

Why is Coordination of Benefits important?

Reduces your out-of-pocket costs

By preventing duplicate payments for the same medical services, COB ensures you don't get stuck with unexpected bills.

Increases transparency

By clarifying which plan is responsible for what, COB helps patient families understand their benefits and make informed decisions about their healthcare expenses.

Ensures complete coverage

COB ensures you receive the full benefits you're entitled to from all your plans, maximizing your coverage.

Avoids confusion and delays

By clarifying which plan pays first, COB prevents delays in receiving care or reimbursements.