Question

multiple choice question

under the birthday rule, the parents whose day of birth is earlier in the calendar year is ______.

primary
principle
tertiary
secondary

Explanation:

Define the birthday rule

Using the Coordination of Benefits knowledge point:
The birthday rule is an industry-standard method used by health insurance plans to determine which parent's plan is primary and which is secondary when a dependent child is covered under both parents' health insurance policies.

Determine primary coverage status

Using the Primary Insurance knowledge point:
Under this rule, the parent whose birthday (month and day, not year) falls earlier in the calendar year holds the primary policy for the dependent child.

Determine secondary coverage status

Using the Secondary Insurance knowledge point:
The parent whose birthday falls later in the calendar year holds the secondary policy. Therefore, the parent with the earlier birthday is designated as primary.

Answer:

• primary (Correct answer)
• principle
• tertiary
• secondary