Coordination of Benefits (COB)
The rules that determine which insurance plan pays first when you have multiple plans.
Coordination of Benefits rules determine which of multiple insurance plans is the primary payer (pays first) and which is secondary (pays after). Common scenarios: employer + spouse's employer (employee's own plan is primary for them), parent's plans for child (birthday rule — earlier birthday is primary), Medicare + employer (depends on employer size and age). COB determinations are made by both payers communicating with each other.
Frequently asked questions
What is coordination of benefits (cob)?
Coordination of Benefits rules determine which of multiple insurance plans is the primary payer (pays first) and which is secondary (pays after). Common scenarios: employer + spouse's employer (employee's own plan is primary for them), parent's plans for child (birthday rule — earlier birthday is primary), Medicare + employer (depends on employer size and age). COB determinations are made by both payers communicating with each other.
Related terms
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