Final Answer:
They send it out to each of the carriers of Coordination of Benefits (COB).
a) Coordination of Benefits (COB)
Step-by-step explanation:
Coordination of Benefits (COB) refers to the process of submitting claims to one central entity, which then disperses the claims to each relevant insurance carrier.
This ensures efficient and organized management of multiple insurance coverages for an individual. In the context of the given options, COB aligns with the described process, making it the correct term.
In the healthcare industry, individuals often have coverage from multiple sources, such as employer-sponsored plans and government programs. When a person seeks medical services, there may be more than one insurance plan responsible for covering the costs.
COB helps in streamlining the reimbursement process by designating a primary payer to handle the initial claim submission. The primary payer then communicates with other relevant insurers to determine their respective responsibilities.
Choosing COB as the answer reflects an understanding of the streamlined approach to handling claims in a scenario where multiple carriers are involved.
This process is crucial for avoiding confusion, ensuring accurate reimbursement, and facilitating efficient communication between different insurance entities in the healthcare system.