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🔄 Coordination of Benefits (COB) — The Denial That Looks Like an Insurance Problem (But Isn’t) One of the MOST common — and avoidable — denials happens when the payer says: “COB not on file” or “Primary insurance not verified.” It doesn’t mean coverage isn’t active. It means the payer wants to know which plan pays first — and until that’s confirmed… 💸 they won’t pay anything. Where COB problems usually start: • Patients switch jobs or plans • Secondary plans become primary • Divorce or depende
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