Quick payment with coordination of benefits

Coordination of benefits (COB) helps to determine which company is primarily responsible for payment. It occurs when a patient is covered under more than one insurance plan. This process lets your patients get the benefits they are entitled to. It also helps to avoid overpayment by either plan and gets you paid as quickly as possible.

When a patient comes to you, you can submit an eligibility and benefits inquiry. We will inform you if the patient is covered and which plan is primary.

Log in to submit an electronic COB claim

There are two types of COB claims you can send electronically:

• Commercial insurance claims in which another payer is primary and Aetna is secondary
• Medicare primary claims for which Medicare* has not already forwarded their claims and payment information to us

When Aetna is secondary, you will need to include the appropriate code on your claim that tells us information about the previous payer's payment.

Adjustment codes list for coordination of benefits (COB) claims

Contact the practice management support team and/or the clearinghouse you use to submit your electronic claims. They may have their own guidelines or tips about submitting COB claims.

Use one of our vendors to submit COB claims

Submit claims through NaviNet

*We can accept both Medicare Part A and Part B claims electronically from Medicare. If the Medicare electronic remittance advice (ERA) or Explanation of Payment (EOP) contains an "MA18" or "N89" remark code, the Medicare carrier has automatically sent us your claim. In these cases, you don't have to send us a Medicare primary COB claim.

We participate in COB Smart^TM, a Council for Affordable Quality Healthcare^® solution.

Visit the CAQH website for more information on COB Smart

If you share our COB form with your patients, it will help you collect the data you need.

Patient COB form