COB Smart

Pay claims correctly the first time

COB Smart® simplifies the process of identifying secondary coverage and determining primacy, eliminating “pay and chase” inefficiencies that results in repeat bills, improper payments and costly coordination of benefits processes.


  • Increase payment accuracy and payment integrity
  • Reduce costs from member canvassing, claim reprocessing and recovery 
  • Improve provider and member satisfaction by expediting eligibility and claims processes 

How COB Smart Works

  • Offers the only national database of multiple benefits coverage 
  • Analyzes data from more than 30 national and regional health plans to identify members with overlapping benefits 
  • Uses NAIC-based primacy rules to determine order of benefits with 99 percent accuracy 
  • Integrates with your existing systems to simplify COB information exchange 

Proven Results

30:1 first-year return on investment

Premera BlueCross Improves Payment Integrity with COB Smart


Poor Coordination of Benefits Puts Member Satisfaction in Peril

When coordination of benefits is handled poorly, members are left to fill in the blanks, leading to frustration and errors. Read more


CAQH Program