If you have more than one type of insurance coverage, the reimbursement to healthcare professinoal is divided into two types: primary and secondary. This is based on which insurance pays first and which pays second.
If you have Medicare and COBRA benefits, Medicare is your primary payer. This means that Medicare will pay for services first, and your COBRA plan will help pay for any remaining costs.
For example, when you use Medicare Part B, you generally pay a coinsurance of 20 percent of the Medicare-approved cost for the service. If your COBRA plan has a lower coinsurance or deductible, it can be used to pay for that remaining 20 percent.
CORBA plans may also cover services that Medicare parts A and B don’t, such as dental care, eye care, or medications. These additional expenses may also be covered by separate Medicare Advantage (Part C) or Medicare Part D plans.
