Question

multiple choice question

if both parents cover a dependent on their plans, the childs primary insurance is usually determined by the ______ rule.

cob
birthday
dependent
parent

Explanation:

Identify the coordination of benefits scenario

Using the Coordination of Benefits knowledge point
When a child is covered as a dependent under health insurance plans of both parents, coordination of benefits rules determine which plan is primary and which is secondary.

Apply the primary determination rule

Using the Birthday Rule knowledge point
The standard industry guideline dictates that the primary plan is determined by the parent whose birthday (month and day, excluding the year) falls earlier in the calendar year. This is widely known as the birthday rule.

Answer:

• COB
• birthday (Correct answer)
• dependent
• parent