Coordination of benefits is the term used to describe how Medicare works with other kinds of insurance, including employer insurance and Medicaid. In this section, you will learn about the coordination of benefits rules for current and former employer coverage, including COBRA, retiree coverage, and Federal Employee Health Benefits (FEHB). You will find out if Medicare pays primary or secondary to different employer-related insurance, depending on the number of employees and whether individuals are eligible for Medicare due to age or disability. You will also gain valuable knowledge about various enrollment-related consequences and considerations for beneficiaries who delay their Medicare enrollment.

Learning Objectives

After taking this section, you will be able to:

  • Explain what coordination of benefits means and differentiate between primary and secondary insurance
  • Determine when a beneficiary’s current employer insurance pays primary or secondary to Medicare
  • Understand how COBRA insurance, retiree insurance, and Federal Employee Health Benefits (FEHB) coordinate with Medicare
  • Discuss the consequences of a beneficiary delaying Medicare enrollment


  • Interactive activities and knowledge quizzes
  • Review tests at the end of every section – 80% or higher mark to pass the section and download a certificate of completion
  • Educational content vetted by a team of national experts at Medicare Rights Center
  • Closed captioning
  • An array of printable supplementary tools and fliers