A problem that rarely came up before is arising now. Until recently, few cases involved coordinating health benefits for people who have both group and non-group coverage. However, because health reform will almost certainly result in more people being covered by non-group policies, plan sponsors should get a better understanding of the issue. The same issue is getting attention from state regulators. Nine of 10 states that use the 2005 NAIC model COB rule allow group and non-group policies to coordinate their benefits. Only one state – Idaho – mandates that non-group policies be always secondary; the other 49 states have no description on how group and non-group coverage are to be coordinated.

Tags:

This entry was posted by Adam V. Russo on Friday, February 12th, 2010 at 3:01 pm and is filed under Coordination of Benefits, Health Care Legislation. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.