A&H Policy ProvisionsQuestion 39 of 716
Maria and Carlos are married with two dependent children covered under both spouses' group health plans. Maria's birthday is March 8 and Carlos's is October 21. Under California's birthday rule for coordination of benefits, which plan is primary for the children?
a.Maria's plan, because her month-and-day birthday falls earlier in the year
b.The plan that has been in force for the longer continuous period
c.Carlos's plan, because the father's coverage is always primary for children
d.The plan of the parent born in the earlier calendar year, counting birth year first
Explanation
The birthday rule looks at the month and day of birth, not the year. The parent whose birthday falls earlier in the calendar year carries the primary plan for dependent children. Maria's March 8 birthday is earlier than Carlos's October 21.
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Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)