What is the main purpose of the Coordination of Benefits (COB) regulation in Connecticut?

The primary purpose of the Coordination of Benefits (COB) regulation in Connecticut is to establish guidelines for determining which health insurance plan is responsible for providing benefits when an individual is covered by multiple insurance plans. This regulation ensures that benefits are coordinated effectively between insurers, defining which policy acts as the primary insurance that pays first, and which one is secondary, covering costs afterwards.

By implementing these rules, the COB regulation prevents overpayment and reduces instances of duplication in claims. For instance, if a person has coverage through both an employer's health plan and a spouse’s plan, the COB rules help to clearly outline how claims should be processed between these two plans, ensuring that the individual receives the maximum benefit without exceeding a total of 100% coverage of incurred costs. This regulation thereby aims to streamline the claims process while protecting against the issues that arise from overlapping coverage, such as confusing claims or inadequate reimbursement due to differing company policies.

The other options suggest goals that are not in line with the purpose of COB. Increasing benefits paid, eliminating claims processing, or standardizing premiums does not accurately reflect the intentions behind the COB regulation. Instead, the focus is specifically on establishing clarity and efficiency in managing coverage responsibilities among insurers.