What is Coordination of Benefits (COB)?
Coordination of Benefits occurs when a patient has dental coverage under two or more plans. The coverage from the plans are coordinated so that the patient receives the maximum allowable benefits under each plan. The combined benefits should not exceed the submitted charges for the completed dental services. The general rule regarding coordination of benefits is that the plan covering a member as the primary subscriber will be considered primary, the plan covering a member as a dependent will generally be considered secondary. If there are multiple plans that cover a member as either a subscriber or dependent, additional COB rules apply. See the Dentist Handbook for additional guidance. You can easily access the Dentist Handbook by logging in to your online Dentist Account.