Most COB provisions include rules for determining which plan is the primary provider of benefits. First, most COB provisions state that when an insured also is covered by another group plan that does not include a COB provision, the plan without a COB provision is the primary provider of benefits; the plan with the COB provision is the secondary plan. In addition, if more than one group plan covering an individual includes a COB provision, then the primary plan is usually defined as the plan under which the insured is covered as an employee rather than as a dependent