When a child is insured under both parents' plans, the policy of the parent whose birthday falls first in the year is the primary policy.

Question

Quizplus · Accepted Answer

This is known as the "birthday rule" in insurance coordination of benefits, where the health plan of the parent whose birthday (month and day, not year) comes first in the calendar year is considered the primary plan for the children.

When a Child Is Insured Under Both Parents' Plans, the Policy