Coordination of benefits is the set of rules used when a person is covered by two or more health plans to determine which one pays first and which pays second. The goal is to make sure combined payments do not exceed the total cost of care. Confusion over which plan is primary is a common and fixable cause of claim denials.
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Disclaimer: This definition is provided for general educational purposes only and is not legal, medical, or insurance advice. Insurance rules, deadlines, and terminology vary by plan, state, and over time. Always check your own plan documents and confirm current details before acting.