State RegulationsNY specificDifficulty 1/5
The primary purpose of the coordination of benefits provision required in New York group health plans is to:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under Reg 62 (11 NYCRR Part 52), the coordination of benefits provision establishes the order in which multiple plans covering the same person pay claims, so that benefits are coordinated rather than duplicated. It does not cancel policies, restrict enrollment, or involve the guaranty corporation, whose role is limited to insurer insolvency.
Why the other options are wrong
- B) Coordination never terminates a policy; dual coverage remains in place.
- C) Employees may hold dual coverage; the provision coordinates payments rather than banning them.
- D) The guaranty corporation addresses insurer insolvency, not the order of claim payment.
Memory hook
COB = who pays first, who pays second.