Which Plan Is Primary for You?
Here are some guidelines to help you determine which plan is primary:
  • A plan that covers you as an employee will pay before a plan that covers you as a dependent.
  • A plan that covers you as an active employee will pay before a plan that covers you as a retired or laid-off employee.
  • A plan without a coordination of benefits provision will pay benefits before a plan with such a provision.
If none of these rules applies, the plan that has covered you the longest will pay benefits first.