COB Smart

Pay claims correctly the first time

COB Smart® identifies primary and secondary coverage and determines primacy weekly, before claims are paid, to increase payment accuracy and reduce administrative costs associated with recovery.



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  • Increase identification of new secondary COB coverage
  • Improved payment accuracy 
  • Reduce costs from member canvassing, claim reprocessing, data validation and recovery
  • Automate manual processes
  • Improve provider and member satisfaction by expediting eligibility and claims processes


How COB Smart Works

  • Offers the only national commercial and state database for member eligibility data updated weekly
  • Data from more than 45 health plans matched to identify overlapping coverage
  • Medical-to-medical overlaps validated with 99.5 percent accuracy
  • New coverage overlaps delivered to you every Monday
  • COB Smart portal facilitates member research, plan-to-plan inquires and tracking for faster COB resolution 


Proven Results

80:1 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