Coordination of Benefits
When you have more than one health insurance plan, this process determines which plan pays first and how much each plan will pay.
Detailed Explanation
This is common when you have coverage through your employer and your spouse's employer, or if you have Medicare and other insurance.
Practical Example
Michael is covered under his employer's health plan and also through his wife's plan. When he has a medical expense, the coordination of benefits process will determine which plan is primary and will pay first, and the other plan may cover some of the remaining costs.
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