Coordination of benefits (COB) is actually a guideline that's set forth to greatly help execute the guidelines and regulations involved with group medical health insurance coverage. If you have several group health insurance plan, you should know which is most of your plan, that is secondary, and what each covers to help you file health insurance claims accordingly. This may all get really perplexing if you're not prepared and informed about coordination of benefits, so education may be the first rung on the ladder in understanding your medical insurance coverage.Coordination of benefits states who gets to purchase your healthcare expenses first, and who pays second. For example, should you have a health plan through your employer and a health plan through a membership with another institution, the primary plan is usually the employer-sponsored one. The secondary plan may be the one which lists you as a dependent, generally. The goal of coordination of benefits would be to create a highly effective order for claims filing and healthcare coverage that hides to 100% of your expenses and no more. This helps in order to avoid double coverage and eliminate complications with having several health insurance policy.Those who have social security benefits, such as Medicaid or Medicare, have a totally different group of COB rules to check out than what private insurance firms follow. Every state has different guidelines and requirements for this type of situation, so it is also important to know very well what a state requires and what their guidelines are for group coverage when you have more than one policy set up. Another important thing to watch may be the coverage of dependent children in the event of a divorce or separation. more info are all different elements that you have to understand if you have more than one group health policy.One of the better ways to find out about coordination of benefits and know how it applies to you is to talk to a health insurance agent or professional who understands group coverage of health. These professionals are plentiful to you and cost-free for you to use, no matter what you may be looking for. Take time to study from them, because their experience will allow you to understand everything that you must know. COB guidelines aren't applicable to individual health insurance policies, so if this is the only coverage which you have you certainly do not need to be worried about this topic.If you need assistance in locating particular coverages at a pre-determined price, we can help you save up to 50% on your medical health insurance [1].Sean L Johnson is a journalist for MEDICAL HEALTH INSURANCE Buyer a referral service that refers consumers to the insurance carriers that can best fit their wants and needs. Get a free Health Insurance Quote [2] today, you can save up to 50% on your own monthly premium.