Insurance term
Coordination of Benefits (COB)
Coordination of Benefits (COB) is the process health insurance companies use when a person is covered by more than one health plan. It helps determine which plan pays first and how much the other plan may pay, so the total payment does not exceed the actual cost of the covered service.
Example
If a child is covered by both parents’ health plans, COB rules help decide which plan is primary and which one pays secondary.
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