Content Overview 
- Summary
- What is Coordination of Benefits?
- How Coordination of Benefits Works
- Two Examples Of How Coordination Of Benefits Works
- How To Determine Which Plan Is Primary In General
- How To Determine Which Plan Is Primary: Both Plans Are Group Health Coverage And Both Have Coordination Of Benefits Provisions Included In The Policy
- How To Determine Which Plan Is Primary: One Plan Is Medicare. The Other Plan Is A Group Health Plan.
- How To Determine Which Plan Is Primary: One Plan Is Medicaid; The Other Plan Is A Group Health Plan.
- How To Determine Which Plan Is Primary: One Plan Is An Individual Health Insurance Plan; The Other Plan Is Group Health Coverage.
- How To Determine Which Plan is Primary: There are three plans in effect.
- When One or Both Plans are HMOs
Coordination Of Benefits : When You Are Covered Under Two Or More Health Plans
How To Determine Which Plan Is Primary In General
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The rules to determine which plan is primary and which plan is secondary depend on whether the plans are group of individual, Medicare and/or Medicaid:
- Both coverages are group health insurance and both have Coordination of Benefits provisions.
- Both coverages are group health insurance but one of them does not have a Coordination of Benefits provision.
- One of the coverages is Medicare.
- One of the coverages is Medicaid.
- One of the coverages is an individual health insurance plan.
- There are three coverages in effect.
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