Final answer:
Submitting a secondary claim without a primary insurance EOB is a coordination of benefits issue, as it fails to provide the necessary information for insurers to coordinate coverage, potentially leading to incorrect payment amounts or denials.
Step-by-step explanation:
The question of which of the following is a coordination of benefits issue involves understanding how health insurance policies determine coverage when an individual has more than one policy. Coordination of benefits (COB) is the process by which insurance companies work together to ensure that the total amount paid does not exceed the covered charges.
a. Submitting a secondary claim without a primary insurance EOB is indeed a coordination of benefits issue. An Explanation of Benefits (EOB) is essential when submitting claims to a secondary insurer, as it provides proof of what the primary insurer covered and ensures appropriate coordination between the two.
b. Submitting a claim for a known non-covered service is not a COB issue but rather an issue of policy coverage.
c. Submitting a claim to commercial insurance for a work injury may involve worker's compensation rather than COB.
d. Submitting a claim without medical records is a matter of claim documentation, not COB.