CommercialAdministrativeMedium impact
PAP234 - Coordination of Benefits (COB) - Added how COB works, and Blue Cross of Idaho does not COB out of pocket expenses
Blue Cross of Idaho·ID·Medical Policy
Effective date
Aug 1, 2024
We identified it
Jun 19, 2026
Summary
Blue Cross of Idaho updated their Coordination of Benefits (COB) policy to clarify how COB works when members have multiple insurance plans and explicitly states that Blue Cross of Idaho does not coordinate out-of-pocket expenses. The policy provides detailed instructions for submitting primary and secondary claims with required COB information.
Action Required
Immediately: Billing team must ensure all secondary claims to Blue Cross of Idaho include complete COB information (COB type, amount paid by primary, allowance, deductible, copay, coinsurance, and member liability). Update claim submission processes to include proper adjustment reason codes (OA, CO, PR) and verify practice management software can send required COB data electronically. Note that Blue Cross of Idaho does not coordinate out-of-pocket expenses when processing claims.