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What is Coordination of Benefits (COB)?

Coordination of benefits (COB) allows plans that provide health and/or prescription coverage for a person with one or more policies to determine their respective payment responsibilities (i.e., determine which insurance plan has the primary payment responsibility and the extent to which the other plans will contribute when an individual is covered by more than one plan).

 

Why is it important that I update my COB information?

Coordination of benefits can affect if your health insurance claims get paid. … It is important to keep your employer and insurance carrier updated with any other insurance you may have – as this will affect how quickly your claims may get paid.

 

How do I know which of my insurances is primary?

Primary insurance is a health insurance plan that covers a person as an employee, subscriber, or member. Primary insurance is billed first when you receive health care. For example, health insurance you receive through your employer is typically your primary insurance.

 

What if I have more than once insurance coverage?  Can I choose who gets billed first?

Your primary insurance is always billed first. That means you cannot choose which insurance is used when you schedule or receive health care services. It is important to make sure your health care services are provided in-network under your primary insurance.

 

What is the insurance birthday rule?

That rule dictates how insurance companies pick the primary insurer for a child when both parents have coverage: The parent whose birthday comes first in the calendar year covers the new baby or child with their plan first.

 

Who is responsible for updating coordination of benefits?

The health insurance plans handle the COB. The health plans use a framework to figure out which plan pays first — and that they don’t pay more than 100% of the medical bill combined.

 

Contact information for your insurance carrier is on the back of your insurance card.
Contact your employer or union benefits administrator