Question
QUESTION: A Wife that has BCBS COBRA through her employer who is covered under her husbands retired group policy. What is the coordination of benefits for this?
ANSWER: Hi Antia
Medicare is primary. However, there are missing factors in the question. Does she have Medicare Parts B and D?
Is the COBRA creditable coverage?
Is the information at the Coordination of Benefits(COB) up to date.
She should call COB at 1-800-999-1118 and check out the information in the data base.
John
---------- FOLLOW-UP ----------
QUESTION: John,
Medicare is not involved. She is not medicare age. She is covered under her husbands group retiree policy and a COBRA policy from her former employer.
Answer
Hi again
In this case COBRA would be her primary.
However, check to see if they got letters from their plans. A lot of the employers are putting coverage restrictions this year. They should have gotten a letter from the plan in Oct. Check those letters and see if there is a restriction on having coverage under two plans.
John
