Individual skill

coordination-of-benefits

Reasoning skill for Coordination of Benefits (COB) determination in healthcare claims. Use when a claim involves multiple insurers and the user needs to know which plan pays first, how to sequence billing, or why a COB-related denial or underpayment occurred. Covers Medicare Secondary Payer (MSP) rules and NAIC commercial COB order-of-benefits logic. Triggers include "coordination of benefits", "COB", "Medicare secondary payer", "MSP", "which insurance is primary", "birthday rule", "primary payer", "secondary payer", "COB denial", "working aged", "ESRD coordination", "disability MSP", "workers comp primary", "no-fault primary", "auto insurance primary", "COB order of benefits", "dual coverage", "double coverage", "two insurances", "secondary billing", "crossover claim", "COB adjustment", "non-duplication", "benefits coordination error".

skills/coordination-of-benefits/SKILL.md

Source commit 4603541c396cdd845dbae554800a65132d12bb63

What was checked

Matches the observed repository HEAD

Yes

Scanner rules are current

Yes

Repository scan complete

No

Skill scan complete

Yes

Observed behavior

Instructions only

Last checked

Nov 11, 2026

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