Coordination of benefits (COB)applies to

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Coordination of benefits (COB) applies to combining the benefits of two insurance policies issued for a married couple. This ensures that the total benefits received by the couple do not exceed the actual expenses incurred. COB determines which policy is primary and which one is secondary, and the secondary policy covers the remaining expenses after the primary policy has paid out as much as it can. COB does not apply to disability insurance, individual insurance, HIPAA, or combining three or more disability policies for an individual.

Coordination of Benefits (COB)applies to