Question

When a child lives with both parents, and each parent subscribes to a different health insurance plan, the primary and secondary policies are determined by applying the birthday rule. The individual who holds the primary policy for dependent children is the spouse whose birth __________.

Answer 1

Answer:

The spouse whose birth month and day occur earlier in the calendar year.

Explanation:

This birthday rule is an informal procedure used by health insurance companies to coordinate medical insurance benefits for dependent children who can be covered by both parents. According to this rule designated by the National Association of Insurance Commissioners, the parent whose birthday month comes first in the calendar year will be the primary payer of the dependent child. However, the birth year is not applicable and if a person is two years younger than their spouse, but their birthday month comes first, they will be the primary policy payer.