What is coordination of benefits (COB)?
Coordination of benefits is the process payers use to decide which insurer pays first, and how much the second insurer owes, when a patient has more than one plan.
The primary payer pays first; the secondary payer then pays according to its own rules and the primary payment. Errors in either step, such as the wrong primary payer or a secondary payment calculated from the wrong amount, can leave a claim underpaid.
How Vareo helps
Vareo checks every line of your 835 remittances against your payer contracts, finds underpayments like this, and handles the appeals and follow-up. You pay only a share of what is recovered.
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Last updated October 11, 2026