I always assumed that insurance carriers pended claims (for COB) as a trick to not have to pay it until the first time a provider submits a claim to them. Not then do they conveniently verify that they should be paying. And as Kristin said I didn't think there was a way around this. But Linda, I am curious to know more about the form that you use to proactively "help" the insurance carrier with COB. Could you share what other details it includes that is not already included on the claim? And how do you attach these electronically to claim batches, or are you mailing these in via paper?