19.5.7 Coordination of Benefits
The coordination of benefits clause pertains to group health policies. Benefits under a group health policy can, of course, amount to no more than 100% of the expenses incurred. If an individual is covered by two policies (perhaps their own policy and also under their spouse's policy), the two insurers coordinate to make sure no more than 100% is paid by the insurers collectively.
Section 627.4235 F.S. details the order in which payment is to be made and by whom as:
"First, the member's policy is considered the primary payor and the policy in which the individual is a dependent is second. If the person is eligible for Medicare as well, the benefits under Medicare would be third."
