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COB with supplementary plans

February 4, 2024 by hhannawood

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  • COB with supplementary plans

COB with supplementary plans

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If a patient has a primary plan either through an employer or the open market, will as supplementary plan like AFLAC or Colonial Life with no COB be listed as secondary? I just would like some clarification. COB has rules but when there is no COB some direction is helpful.

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Posted by hhannawood
Asked on February 4, 2024 7:19 am
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Hello! This depends on whether or not the primary plan will even coordinate benefits with a secondary plan. Typically, Aflac and Colonial Life are fee schedule plans where the patient pays the difference between their fee schedule contract fee and UCR. Some Colonial Life or Aflac plans directly reimburse the patient and not the office, so it really depends on the plan details. Hope this helps!

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Posted by Austinida
Answered on April 8, 2025 2:41 pm
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