If you retire and have cobra insurance from a previous employer get new job with can still keep your which is the primary insurance?

When you retire and have COBRA insurance from a previous employer, and subsequently get a new job with its own group health plan, the new employer's plan is typically considered the primary insurance. Here's how it usually works:

Primary Insurance:

- The new employer's group health insurance plan is considered the primary insurance. This means it is the first payer responsible for covering your medical expenses.

Secondary Insurance:

- Your COBRA insurance from the previous employer becomes the secondary insurance. It acts as a backup or complementary coverage to the primary insurance.

Coordination of Benefits:

- The primary insurance will pay for covered medical expenses up to the limits and provisions of its plan.

- If there are any remaining eligible expenses after the primary insurance has paid its share, the secondary insurance (COBRA) may cover those expenses, subject to its terms and limitations.

Out-of-Pocket Costs:

- You may have out-of-pocket costs, such as deductibles, copays, and coinsurance, that are not fully covered by the primary insurance. The secondary insurance may help cover some or all of these expenses, depending on its coverage and coordination of benefits provisions.

It's important to note that the coordination of benefits between group health plans can be complex, and the specific details may vary based on the provisions and rules of each plan. If you have questions about how your COBRA insurance and new employer's plan will coordinate, it's a good idea to contact the human resources department of your new employer or the COBRA administrator of your previous employer for clarification.