|
Understanding Coordination of Benefits
Coordination of Benefits (COB) refers to
a provision in an insurance contract that applies when a
person is covered by more than one insurance program. The
provision requires that all insurance programs coordinate
with each other in paying benefits to eliminate duplication
or overpayment. The insurance program that pays benefits
first is considered “primary” and the next
insurance program to pay is considered “secondary.”
Under the FEDVIP, if you have a medical insurance plan that
includes dental coverage, the medical carrier is considered
the primary insurer and the FEDVIP plan is secondary. And
although the dental benefits offered by the medical carrier
may not be as extensive as those offered by the FEDVIP, the
medical plan is still considered the primary payer under the
FEDVIP Coordination of Benefits provision.
To help eliminate confusion and possible delays in payment
and service, it is important that you provide information
about any other dental insurance coverage you have on the
enrollment forms when enrolling in the United Concordia
FEDVIP program.
Other Benefits Briefs
Understanding
Coverage for Fillings
About
United Concordia’s Network
Understanding
Alternate Benefit Provision
We also have a library of
Dental Health 101 articles
for you and your employees’ information. Please feel free to use
these in your publications/communications as well.
|
