Which situation does NOT typically affect coordination of benefits (COB)?

Coordination of benefits (COB) is a process used to determine which of multiple insurance plans pays first when a patient is covered by more than one policy. The goal is to avoid overpayment for health care services.

Receiving treatment under two separate insurance plans would require COB to determine the order of payments. Similarly, having both primary and secondary coverage directly influences how benefits are coordinated, as the primary insurance typically pays first and the secondary plan covers remaining costs as applicable.

Likewise, if an individual is eligible for Medicare as well as other health plans, coordination of benefits comes into play to ensure that payments are handled appropriately between the plans based on established rules.

In contrast, experiencing only one insurance coverage does not require coordination of benefits, because there is no other plan involved that might share responsibility for payment. Hence, the presence of only one insurance plan means there’s no need to coordinate with another policy, making this option move outside the typical situations that impact COB.