How do I handle Coordination of Benefit (COB) claims?

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Coordination of Benefits (COB) refers to how we ensure members receive benefits while preventing double payment for services when a member has coverage from two or more payers. The member's contract language explains which payer has primary responsibility for payment. Please follow the procedures below for submitting COB claims.

  • Member has coverage with two out-of-area Blue Plans
    • Send the claim to BCBSRI with the primary member ID first.
    • After you receive the Explanation of Benefits (EOB), send the information with a new bill to BCBSRI for secondary payment. The claim will not automatically cross-over.
  • Another carrier is the primary payer and a Blue Plan is secondary
    • Bill the other carrier first.
    • Send the EOB from the other carrier with the claim to BCBSRI for secondary payment. The claim will not automatically cross-over.

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