Illinois Health Insurance Practice Exam

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What is the purpose of a Coordination policy in health insurance?

  1. To complicate claim processes

  2. To simplify benefits calculation

  3. To maximize out-of-pocket expenses

  4. To include a Coordination of Benefits provision

The correct answer is: To include a Coordination of Benefits provision

A Coordination of Benefits provision in health insurance serves the purpose of determining which health insurance plan will have the primary responsibility for paying a claim when a person is covered by more than one health insurance policy. This provision helps avoid overpayment and ensures that benefits are properly coordinated between different insurance plans. This coordination helps streamline the claims process and avoids confusion regarding coverage responsibilities.

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