Health insurance is a complex part of the healthcare system in the United States. In order to get the most out your insurance, you need to: 

• Know your healthcare needs - What services do you use most?

• Understand plan types - Each works differently

• Learn key terms - Deductible, copay, coinsurance

• Set a realistic budget - How much can you afford monthly?Know your rights - What you're entitled to under your plan
  
  

Important: No plan covers everything. Even services required to be "free" under the Affordable Care Act may have different rules depending on your specific plan.

It is very important that you receive a copy of your Subscriber Agreement from the insurer. That document, however lengthy, is the contract that specifies all of the terms of your coverage, as well as the responsibilities of all parties, including you and the
insurer

Coordination of Benefits (COB) is a provision in most health plans that allows families with two wage earners covered by health benefit plans to receive up to 100% coverage for medical services. COB rules determine which plan is primary for you, your spouse, and your dependent children.

How Coordination of Benefits Works

When you have coverage under two health insurance plans, the coordination processfollows these steps:

Primary Plan Pays First: The primary plan pays your claims as if there were no other insurance. 

Secondary Plan Fills Gaps: Your secondary plan then pays for what your primary plan did not cover, provided it's a covered benefit under the secondary plan.

Learn how coordination of benefits works