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Coordination of Benefits

Coordination of Benefits

Coordination of Benefits (COB) is a procedure for paying health care expenses when people are covered by more than one plan. The goal of COB is to make sure the combined payments of the plans do not exceed the amount of your actual bills.
If you are covered by two or more dental plans—usually because both you and your spouse receive coverage through work—your coverage will be coordinated.
For children covered by both parents’ (or guardians’) dental plans, the primary carrier is determined by the “birthday rule.” The plan that covers the parent or guardian whose birthday comes first in the calendar year will be considered the primary carrier. The birthday rule may be superseded by divorce or court ruling.
If a dependent, such as a spouse or child, has dental coverage through a company other than Renaissance Dental and that company does not cover the full cost of a dental visit or procedure, your dependent may be eligible to receive reimbursement for part or all of the coverage from Renaissance Dental, provided that your dependent is also covered by your plan.


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