Q: If my wife has continuing insurance with COBRA and her employer’s group health plan, which plan is primarily responsible for her medical claims? A: Generally, the COBRA coverage is not limited to only those pre-existing conditions. If your state is involved with a COB rule, then the group health plan would be the primary payer of benefits, unless the claim is due to a pre-existing condition. If that is the case, then COBRA is responsible for the claims. You would have to check with your state insurance to see if there is a law active in your state. You can visit the web site for NAIC at href=”https://www.naic.org/ ; Tahoma US DOL Info#000080 www.naic.org for more information or call your state insurance commissioner for more details.