Question

multiple choice question

under the gender rule, the ______ is primary?

mothers plan
spouses plan
fathers plan
legal guardians plan

Explanation:

Define coordination rules

Using the Coordination of Benefits knowledge point, health insurance plans use specific rules to determine which plan is primary when a dependent child is covered under both parents' policies.

Explain the gender rule

The gender rule is an older coordination method where the father's plan is automatically designated as the primary payer, while the mother's plan is secondary.

Compare with modern rules

Most modern plans have replaced this with the birthday rule, but under the specific "gender rule" definition, the father's plan is primary.

Answer:

• mother's plan
• spouse's plan
• father's plan (Correct answer)
• legal guardian's plan