If two parents both cover a dependent child, which parent is considered the primary insurance holder?

• A. The parent whose birthdate comes first in the calendar year is the primary insurance holder
• B. The parent with higher income
• C. The parent with legal custody
• D. The parent who has a longer employment history

Answer: (A)

When a dependent is covered by two plans, claims are coordinated so only one plan pays first. The primary plan is the one belonging to the parent whose birthday comes earlier in the calendar year. This birthday rule provides a simple, consistent way to determine which policy pays first, followed by the other plan as secondary. For example, if one parent’s birthday is in February and the other’s is in November, the February plan would be billed as primary. Income, custody arrangements, or how long each parent has been employed do not determine the order under this standard rule.