Coordination of Benefits and Non-duplication of Benefits
Coordination of benefits (COB) is a method of integrating benefits payable for the same patient under more than one plan. Benefits from all sources should not exceed 100% of the total charges.
Non-duplication of benefits is a term used to describe one of the ways the secondary carrier may calculate its portion of the payment if a patient is covered by two benefit plans. The secondary carrier calculates what it would have paid if it were the primary plan and subtracts what the other plan paid. Even though you may have two or more dental benefit plans in place, there is no guarantee that any of the plans will pay for your services. Please consult with your own plan for further details regarding coordination of benefits and non-duplication of benefits.