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| If my wife has continuing insurance with COBRA and her employers group health plan, which plan is primarily responsible for her medical claims? |
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Q: If my wife has continuing insurance with COBRA and her employer's group health plan, which plan is primarily responsible for her medical claims?
A: Generally, the COBRA coverage is not limited to only those pre-existing conditions. If your state is involved with a COB rule, then the group health plan would be the primary payer of benefits, unless the claim is due to a pre-existing condition. If that is the case, then COBRA is responsible for the claims. You would have to check with your state insurance to see if there is a law active in your state. You can visit the web site for NAIC at www.naic.org for more information or call your state insurance commissioner for more details.
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