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Cover Page 		1
Playbook User Key 		3
Table of Contents Page 		4
Important Information About Playbook 		5
Three Themes 		6
All About Insurance/Intro to COB Refreshers 		7
Defining Common Terminologies 		8
Three Ways to Become Entitled to Medicare 		12
Waiting Period for ESRD Entitlement 		13
Determining Three Month Waiting Period 		14
Determining the Initial Medicare Entitlement Reason 		15
Helpful Hints Before Digging Deeper into COB 		16
Incarceration 		17
COB Four-Step Process 		18
Applying COB Formulas 		20
Determining Date of Retirement 		23
COB Rules for Multiple Commercial Carriers 		24
Special Circumstances that Affect COB 		25
COB Reference Chart 		27
Words of Wisdom 		32
Helpful Hints 		34