How does coordination of benefits with the PPO programs work?
A. Coordination of benefits is the same no matter which Health Plan you select. For the coordination of benefits, Cooper will be using a method called “carve out”. Using an example: Let’s say the charge for a procedure is $100 and the spouse’s primary coverage pays $80 of the $100 charge. (For the sake of simplicity, let’s ignore deductibles in this example). If under Cooper’s plan $80 was the amount that would have been paid, Cooper’s health plan will not pay any of the remaining $20 as secondary coverage.
