Paying Claims under Coordination of Benefits
Hometown Health coordinates benefits with other group insurance plans . If Hometown Health determines that another insurance carrier is the primary payer , Hometown Health will deny the claim until we received an EOB statement from the primary insurance carrier .
Below is a guide regarding COB : .
Group Coverage Employee Spouse with other coverage
Primary
Secondary
Child-Parents not separated ( Birthday Rule ) Parent with earliest birthday in year
Child – Separated Parents Parent with custody Spouse of custodial parent Non-custodial parent Court decree
Active / Inactive Plan covering member as active employee Plan covering member as inactive employee
Longer / Shorter Plan in effect longer time Plan in effect shorter time
Coordination of Benefits for Medicare
Primary
Secondary
48
Medicare eligible with Medigap supplement Medicaid