Cob--which is primary

temarye

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I have a patient which is a dependent on her mother insurance. the patient has just acquired her own insurance through her employer. Which is primary? Now I would think that her own insurance is primary but the insurance that she is dependent on states they are primary because they have been in effect longer. I just don't feel right about it and have been trying to find documentation to either or to support my billing. Can anyone help? Thank you in advance.
 
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per the set COB rules

per the set COB rules, the longer/short rule comes AFTER the employee/dependent rule.

Your insurance (ie you are the subscriber of the policy) is always primary over a policy that covers you as a dependent. The only thing that changes that is if we involve medicare, medicaid, auto insurance, or custody agreements.

Longer short typically only applies to an individual that is the subscriber of 2 commercial plans, which ever plan has been in effect longer is primary.

http://www.naic.org/store/free/MDL-120.pdf

This is the document you would want to reference when you call the insurance to tell them they are wrong.

I hope this was helpful, I used to train this type of information
 
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