Question

multiple choice question

what guideline states when a child is covered by two health plans, the fathers plan is primary?

supplemental rule
birthday rule
father rule
gender rule

Explanation:

Analyze the coordination of benefits guidelines

The question asks for the guideline stating that when a child is covered by two health plans, the father's plan is primary. Under Coordination of Benefits rules, there are two primary guidelines used to determine which parent's health insurance plan is primary for a dependent child.

Evaluate the Gender Rule

The Gender Rule is a traditional guideline stating that if a child is covered by two health insurance plans (one from each parent), the father's plan is automatically designated as the primary payer, while the mother's plan is secondary.

Compare with other rules

• The Birthday Rule determines primary coverage based on whichever parent's birthday (month and day) falls earlier in the calendar year.
• "Supplemental rule" and "Father rule" are not standard industry terms for this specific gender-based determination.

Therefore, the correct guideline is the Gender Rule.

Answer:

• Supplemental rule
• Birthday rule
• Father rule
• Gender rule (Correct answer)