How Does Medicare Calculate Secondary Payment?

I'm trying to help a client, but am struggling to get the correct answers to questions that are pretty basic. I've been all through the CMS and CMS COB sites but dont find my answer and google searches have not helped.
I sent the following email to my state's blue plan (they also administer Medicare), but they could not/ did not provide a useful answer:

"Joe's spouse has Medicare due to disability (fibromyalgia) as her secondary payor.
She is presently in a SNF and will soon need home health care.
I need to help Joe understand how the Medicare secondary benefit will work.
His BCBS gro
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