Coordination of Benefits (COB)

COB is the process used to pay healthcare expenses when you or an eligible dependent are covered by more than one insurance policy (including Medicare).  All EHP members are required to complete the COB process when they enroll for the first time on the plan, if a life event occurs involving the addition/deletion of a dependent, or if other insurance is acquired or terminated.


New in 2020:  Mutual Health Services (MHS) – our Third Party Administrator (TPA) – has partnered with COB Smart®, to more efficiently identify EHP members who have other insurance coverage. MHS receives weekly files from COB Smart® with those EHP members matching other insurance and will automatically update your record. This means less paperwork for most EHP members.  Some smaller insurance companies may not currently participate in COB Smart®.  In these instances, you will be asked to complete the COB form.  The form is available on our website at https://employeehealthplan.clevelandclinic.org.

You can complete the process in one of three ways:
  1. Update your information electronically at the Mutual Health Services (MHS) website.  (MHS is the health plan’s third-party administrator.) If you prefer, you can access MHS’s website via the ONE HR Workday Portal which allows you to access the site without creating a user ID and password,  Follow the instructions on the COB Form.
  2. Complete a hard copy of COB form and send it to MHS using the fax number or mailing address on the form.
  3. If you had no other insurance coverage in 2019 or 2020, you can call MHS Customer Service at 1.800.451.7929. An automated phone system is available 24/7, or representatives are available Monday-Friday, 8 a.m.-5 p.m. ET. 
If you have questions about the annual COB process, please contact MHS at 1.800.451.7929.