Medical Insurance

If two parents carry insurance for a child whose is considered the primary?

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2015-07-16 18:09:54
2015-07-16 18:09:54

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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As long as the husband enrolls the wife and vice versa you will have what is called secondary coverage. Now the husband will be his own primary and the wife will be secondary and the wife's plan will be her primary and the husband her secondary. In the case where there are any dependant children that are enrolled in both plans the older of the two parents will carry primary and the younger parent will be secondary.

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You should both be insured. If you each carry insurance on the other (say at work), then you will be paying the premiums of course, but one will always be primary.

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No. Emancipated children have no legal ties to their parents.

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