According to the coordination of benefits provision, what is true regarding benefits for Arnold and Bertha's group health insurance plans?

Under the coordination of benefits provision, the aim is to prevent overpayment of claims when an individual is covered by more than one health insurance policy. When evaluating the situation of Arnold and Bertha, if both have group health insurance plans that cover each other, the coordination of benefits rules dictate that there will be no payments or reimbursements from either insurer regarding claims made for medical care. This is because both policies would recognize one another as primary, leading to a scenario where neither acknowledges responsibility for payment.

In practical terms, the provision was designed to avoid a situation where a claimant could receive more than 100% of their medical expenses covered, thus maintaining fairness in the insurance system. Therefore, if both Arnold and Bertha have coverage that considers the other party's plan as primary, neither insurance company would issue payment, adhering to the principles of coordination of benefits.