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It depends on how the Summary Plan Descriptions (SPDs) of the insurance plans are worded. Although there are several methods, in most cases, it depends on the birthdate (excluding the year) of the parents. The parent whose birthdate falls earlier in the year would be primary.

However, be sure to read both SPDs to verify that this is the method that both insurance companies are using.


There are quite a few coordination methods. The most common is the Birthday rule, whomever has the earlier birthdate (not necessarily the older parent) is prime. The sex rule always has the man as the prime. Court orders and divorce decrees will supersede this.

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โˆ™ 2015-07-16 18:09:54
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Q: If two parents carry insurance for a child whose is considered the primary?
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