Coordination of Benefits Overview

This section describes how Coordination of Benefits (COB) works under the Plan. To determine how plans coordinate benefits, one plan is considered "primary" and the other is considered "secondary." The primary plan pays benefits first up to that plan's limits. The secondary plan will not pay benefits until the primary plan pays or denies a claim. In no instance will the primary and secondary plans pay, in total, more than the actual cost of the health care services. If the other plan does not include a coordination of benefits or non-duplication provision that plan will be primary.