What is Coordination of Benefits?

Coordination of benefits (COB) is the process used when a person has health coverage under more than one insurance plan to determine which plan pays first (primary) and which pays second (secondary). This system prevents duplicate payments and ensures that the combined payments don't exceed the total cost of care. COB rules apply to various situations including dual employer coverage, Medicare with supplemental insurance, and dependent children covered by both parents' plans.

Why coordination of benefits matters

• Prevents overpayment: Ensures total reimbursement doesn't exceed actual charges
• Clarifies payment responsibility: Establishes which insurer pays first
• Maximizes coverage: Helps patients receive full benefits from multiple plans

How Solace can help

A Solace advocate can help you understand COB rules for your specific situation, ensure proper claims submission to primary and secondary insurers, and resolve payment delays caused by coordination issues. Advocates can also assist with updating COB information when coverage changes.