A husband and wife are both employed and have work-sponsored insurance plans that cover each other and their three children. Which insurance plan is the primary payer?

Question

Quizplus · Accepted Answer

The "birthday rule" is used to determine the primary insurance payer when both parents have insurance plans that cover their children. The plan of the parent whose birthday (month and day, not year) comes first in the calendar year is considered the primary payer. This rule does not consider the parents' income, the comprehensiveness of the coverage, or personal preference.

A Husband and Wife Are Both Employed and Have Work-Sponsored