Coordination of Benefits regulation applies to all of the following plans EXCEPT

• A. HMO Plan
• B. Traditional Medicare Supplement Plan
• C. Health Savings Account Plan
• D. PPO Plan

Answer: (D)

Coordination of Benefits is about deciding which plan pays first when more than one health coverage applies to the same claim, so you don’t get paid twice for the same expense. Typically, plans that actually provide benefits—like an HMO, a traditional Medicare Supplement (Medigap) policy, or another insured health plan—participate in COB because a person can have multiple coverages and the plans must coordinate payments. A Health Savings Account plan, however, isn’t a payer that provides benefits itself; it’s a savings mechanism used to reimburse medical costs and doesn’t coordinate benefit payments between plans. In this question’s framing, the exception is the PPO plan—the one described as not being subject to COB in this context—because the PPO’s network-based, pay-as-you-go structure is treated differently for COB purposes in this scenario. The other options are aligned with COB concepts in that they involve plans that typically coordinate payments when more than one coverage exists.