Which group health insurance policy provision prevents multiple payers from reimbursing benefits covered by other policies?

The provision that prevents multiple payers from reimbursing benefits covered by other policies is known as Coordination of Benefits (COB). This mechanism is crucial in the realm of group health insurance as it establishes rules for determining how much each insurer will pay when a policyholder has coverage through more than one plan.

When an individual is covered by multiple insurance plans, Coordination of Benefits ensures that benefits are not duplicated. It determines the primary and secondary insurers, thus facilitating the allocation of reimbursement responsibilities. This helps to avoid overpayment for the same healthcare services, ensuring that the individual only receives the proper amount of coverage for their medical expenses.

For example, if someone has insurance through both their employer and their spouse's employer, COB policies will clarify which insurance will cover the medical bills first (the primary payer) and how the second policy will contribute after the first has made its payment. This coordination helps maintain the financial balance within the health insurance system and protects both the insured individuals and the insurance companies from excessive payouts.