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Coordination of benefits (high level)
When two plans could cover the same person, carriers coordinate primary vs secondary payment. Learn common rules and what BenAsk tracks.
Coordination of benefits (COB) determines which plan pays first (primary) and how the secondary plan contributes after the primary processes the claim.
Birthday rule (dependents)
For dependent children covered by two parents’ plans, many carriers use the birthday rule: the parent whose birthday occurs earlier in the calendar year (month and day) is often primary. Tie-breakers may apply—follow your carrier questionnaire.
What to do in BenAsk
- Record each plan accurately.
- Attach EOBs from the primary plan when filing secondary claims.
FAQ
- Is COB the same as dual coverage?
Related idea—dual coverage implies two active plans; COB is the process to sequence them.