If you or a covered dependent has coverage under the IQVIA Health Care Plan and coverage under another Health Care Plan (like your spouse's/partner's plan), benefits under the IQVIA plan are coordinated with those provided by the other plan so that your combined coverage doesn't exceed the provider's fees for eligible expenses. An eligible expense is any expense covered in full or in part under any one of your plans. If an expense is not a covered expense in either of the plans, the plan will not pay benefits.

Coordination of benefits (COB) rules under the IQVIA plan are designed to determine how much each plan pays when you or your covered dependents are covered under more than one Health Care Plan. The rules involve two steps: