Example. Brad Metcalf is covered by two group medical expense plans. both plans include a coordination of benefits provision. Each plan also specifies a $500 deductible and a 20 percent coinsurance requirement. Brad was hospitalized and incurred $4,500 in allowable medical expenses. He submitted a claim for his expenses to the plan designated as his primary plan. Brad later submitted the claim, along with a description of the benefit paid by the primary plan, to his secondary plan.