What is the birthday rule?

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The birthday rule is a guideline used in the field of health insurance to determine which parent's insurance coverage will be considered primary when a child is covered under both parents' plans. Under this rule, the insurance plan of the parent whose birthday falls earlier in the calendar year is designated as the primary insurance. This means that when determining payment for medical expenses, the insurance provider that corresponds to the parent with the earliest birthday month will be responsible for processing claims first.

This method is used to simplify coordination of benefits between multiple insurance policies, preventing disputes between different insurance providers. It does not factor in the age of the parents or their financial status, which is why the options regarding the oldest age or highest income are not applicable. The focus solely remains on the month and day of the birthdays of the parents, ensuring a standardized approach in managing insurance claims for dependent children.

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