WORDS IN ITALICS ARE EXPLAINED IN PART 2. Page 76 Part 7 Other Party Liability Coordination of Benefits (COB) Blue Cross Blue Shield HMO Blue will coordinate payment of covered services with hospital, medical, dental, health, or other plans under which you are covered. Blue Cross Blue Shield HMO Blue will do this to make sure that the cost of your health care services is not paid more than once. Other plans include: personal injury insurance; automobile insurance, including medical payments coverage; homeowner’s insurance; and other plans that cover hospital or medical expenses. You must include information on your enrollment forms about all other health plans under which you are covered. Once you are enrolled in this health plan, you must notify Blue Cross Blue Shield HMO Blue if you add or change health plan coverage. Upon Blue Cross Blue Shield HMO Blue’s request, you must also supply Blue Cross Blue Shield HMO Blue with information about other plans that may provide you with coverage for health care services. Under COB, the plan that provides benefits first is known as the primary payor. And the plan(s) that provide benefits next are known as the secondary payor(s). When coverage in this health plan is secondary, no coverage will be provided until after the primary payor determines its share, if any, of the liability. Blue Cross Blue Shield HMO Blue decides which is the primary and secondary payor. To do this, Blue Cross Blue Shield HMO Blue relies on Massachusetts law, including the COB regulations issued by the Massachusetts Division of Insurance. A copy of these rules is available from Blue Cross Blue Shield HMO Blue upon request. Unless otherwise required by law, coverage in this health plan will be secondary when another plan provides you with coverage for health care services. Blue Cross Blue Shield HMO Blue will not provide any more coverage than what is described in this Subscriber Certificate. Blue Cross Blue Shield HMO Blue will not provide duplicate benefits for covered services. If Blue Cross Blue Shield HMO Blue pays more than the amount that it should have under COB, then you must give that amount back to Blue Cross Blue Shield HMO Blue. Blue Cross Blue Shield HMO Blue has the right to get that amount back from you or any appropriate person, insurance company, or other organization. Important Notice: If you fail to comply with the provisions of this COB section, payment of your claim may be denied. Blue Cross Blue Shield HMO Blue’s Rights to Recover Benefit Payments Subrogation and Reimbursement of Benefit Payments If you are injured by any act or omission of another person, the benefits under this health plan will be subrogated. This means that Blue Cross Blue Shield HMO Blue may use your right to recover money from the person(s) who caused the injury or from any insurance company or other party. If you recover money, Blue Cross Blue Shield HMO Blue is entitled to recover up to the amount of the benefit payments that it has made. This is true no matter where or by whom the recovered money is held or how it is designated and even if you do not recover the total amount of your claim against the other person(s). This is also true if the payment you receive is described as payment for other than health care expenses. The amount that you must reimburse to Blue Cross Blue Shield HMO Blue will not be reduced by any attorney’s fees or expenses that you incur.