If the IQVIA plan is primary, then IQVIA plan's benefits are paid according to the regular plan provisions, and the other plan pays benefits according to its own Coordination of Benefits (COB) provisions.

If the IQVIA plan is secondary, then the primary plan pays benefits first. After the primary plan pays benefits, IQVIA applies a methodology for coordinating benefits called Standard Coordination of Benefits (COB) with a benefit credit.

The IQVIA plan will pay the portion of expenses not covered by the primary plan up to the plan's normal liability. The remaining portion of the payment the IQVIA plan does not have to pay is credited to the member (in the primary plan) and can be applied toward future claims within the calendar year.