In Aflac's pre-certification context, what does 'coordination of benefits' mean?

• A. Replacing primary coverage with Aflac benefits.
• B. Halting all benefits until a claim is fully processed.
• C. Ensuring benefits do not duplicate with primary coverage and applying coordination with primary plans as required.
• D. Providing identical coverage as the primary insurer.

Answer: (C)

Coordination of benefits means arranging how multiple insurance plans share payment so benefits aren’t duplicated and the primary plan pays first according to its rules. In Aflac’s pre-certification context, this ensures that Aflac benefits are coordinated with the primary plan and only cover remaining eligible costs after the primary plan has paid. For example, if your health plan covers most of a bill but leaves a deductible or coinsurance, the primary plan pays its portion first, and Aflac pays the rest per its policy. This avoids double payment and follows the coordination requirements of the primary plan. It doesn’t replace the primary coverage, halt benefits, or provide identical coverage to the primary insurer.