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Frequently Asked Questions About Coordination of Benefits (COB)

1. What is Coordination of Benefits?

Benefits under the university’s medical and dental plans are coordinated with benefits provided by other plans under which you are and dependents are also covered.  The purpose of coordinating benefits is to eliminate duplication in the payment of covered expenses.

Coordination of benefits applies to other medical or dental coverage provided under a group plan, but does not apply to any individual policies or Student Accident Insurance. 

Employees may be contacted by Humana or Anthem and asked to provide information about other coverage.  You may be contacted by email, phone or by a letter.

2. What should I do if Humana or Anthem contacts me and requests information?

You should provide Humana or Anthem with the requested information.  This information will typically include the name of the other carrier (e.g., Aetna, etc.), the policyholder’s identification number and the effective date of coverage.  Most of this information can be found on the member’s identification card.

3. How do I provide this information to Humana or Anthem?

Follow the instructions provided by the carrier.

4. How often will this information be requested?

Humana or Anthem will request this information once every 12 months for each covered dependent if a claim is submitted.