The other parents health plan then provides secondary coverage.
The specifics vary in how much the secondary insurer will payit depends on the plan and the medical claim.
Abigails birthday is August 20, and Armandos is November 5.
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However, its common in a divorce for one parent to be responsible for maintaining coverage.
In that scenario, that parents health plan would be primary, regardless of the parents birthdays.
But if the coverage under both plans took effect on the same day, the birthday rule would apply.
The policy linked to the person with the earliest birthday would be primary.
AnNPR storyabout a newborn baby in Kansas is a good example of unexpected coordination of benefits.
The parents intended to cover the child under just the mothers health plan, which offered more robust coverage.
But it took the parents more than a year of wrangling with their insurers to get it sorted out.
Youll want to talk with both insurance plans to see how the childs potential medical expenses will be handled.
And health plans arenot requiredto cover costs associated with labor and delivery for dependents.
The other parent’s policy will provide secondary coverage.
This is especially true if both plans are heavily subsidized by an employer.
Kaiser Family Foundation.Employer health benefits: 2023 annual survey.
Centers for Medicare & Medicaid Services.Coordination of benefits and third party liability.
Centers for Medicare & Medicaid Services.How Medicare works with other insurance.
National Association of Insurance Commissioners.Coordination of benefits model regulation.
National Association of Insurance Commissioners.Newborn and adopted children coverage model act.
National Public Radio.Birthday rule blindsides first-time parents with a mammoth medical bill.
HealthCare.gov.Qualifying life event (QLE).
National Womens Law Center.Covered through a parents plan?
Your prenatal services are covered.
