What Is Coordination of Benefits (COB)?

Coordination of Benefits (COB) is the process used to determine which insurance plan pays first when you are covered by more than one health plan (e.g., you have both Medicare and an employer plan).

How It Works

Rules determine which plan is "primary" (pays first) and which is "secondary" (pays second, covering some or all of the remaining costs). This ensures that the total payment from both plans doesn't exceed the actual cost of the service.

How Mira Mace Can Help

COB issues are a common cause of claim denials. Your advocate can determine which of your plans should be primary, work with the insurers to resolve processing errors, and ensure your claims are paid correctly, saving you from being caught in the middle.