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Coordination of Benefits I am having a hard time trying to figure out how COB works with Visitor Medical Insurance policies. If I have two plans (say, one from INSUBUY and another from a different broker), how would one determine which plan is primary and which is secondary? Is there a specific rule such as - the plan with better coverage is the primary and the other is secondary? Would I be able to nominate which plan is primary, or would the health care provider determine it when I show them both plans? (say, depending on which network the provider belongs to, or whether or not the insurance will cover that specific claim). How about scenarios where it is quite clear that only one of the policies will cover a claim and the other will surely reject it - can I simply go ahead with the policy that will cover the claim? Also, would I be required to disclose the multiple coverage scenario to both insurance companies? Finally, even considering the fact that I am ok with paying two premiums, would carrying multiple insurance policies do more harm than good? Is there any precedent for such a scenario? There are specific reasons why I am considering this option, but all my internet research done so far only talks about cases where a person is covered by multiple plans due to his/her spouse also having employer provided coverage - which isn't the case here. Any help or insight provided by an insurance agent will be greatly appreciated. I am hoping there is a precedent for this even though I couldn't find any related discussions in this forum. Thanks, Vijay.