Coordination of Benefits (COB) occurs when you are covered by more than one insurance plan. COB ensures that your claims are processed correctly so that you don’t overpay and your benefits are applied appropriately across multiple insurers.
What COB Means for You
- Determines which insurance is primary (pays first) and secondary (pays remaining balance)
- Helps prevent duplicate payments for the same service
- Ensures that your total coverage is correctly applied
Information Included
When COB is applied, your insurance plan may include:
- Primary and secondary payer information
- Amount billed for services
- Amount covered by each insurance plan
- Your remaining out-of-pocket responsibility
Updating Your COB
If you notice a discrepancy with which insurer is listed as primary or secondary:
- Contact your insurance plan first
- Confirm which plan should be primary and which should be secondary.
- Ensure your insurance carrier updates their records if necessary.
- Notify ReachLink
- After confirming with your insurance, contact your ReachLink Care Coordinator.
- Provide the updated primary/secondary information.
- The Care Coordinator will verify and update your account with the billing team.
- Future claims
- Once updated, claims will be processed correctly with the proper primary/secondary order.
Processing Time
- COB claims may take 2–6 weeks to process, depending on coordination between insurers
- Your ReachLink Care Coordinator and billing team handle submission and follow-up
Questions or Concerns
- If you have questions about how your COB was applied or your remaining balance, submit a ticket via ReachLink’s “Get Help” channels:
- In the app: Use Get Help
- Email: support@reachlink.com
- Expect a response within 1–3 business days