How are coordination of benefits (COB) determined?
The group contract and state regulations will determine how coordination of benefits will be applied. For the majority of cases, the birthday rule will apply. When a dependent child ’s parents both have dental coverage, this rule states that the “primary” program (the one which pays first) is the one covering the parent whose month and date of birth falls first in the calendar year. Special guidelines may apply when the group contract supercedes the birthday rule. Ask your employer if their contract with Delta Dental has special COB guidelines.
Related Questions
- Coordination of benefits (COB) is confusing. Can you provide some examples for dual coverage with medical plans so I can get a better understanding of how benefits will be coordinated?
- May carriers deny or pend claims on the basis of coordination of benefits (COB)?
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