If both nonivorced parents of a dependent child have insurance that will cover the child,......?

Question

which policy is considered to be the primary carrier for the child?

A. The mother's insurance

B. the fathers insurance

C. the coverage that has been in effect longer

D. The coverage of the parent whose birthday falls earlier in the year

Answer 1

d

Answer 2

c

Answer 3

D) The birthday rule.

That's the default.  Unless certain circumstances apply (see examples spelled out in this article:  http://www.insure.com/articles/healthins... ), the birthday rule is the industry standard.

Answer 4

Generally that will be the one that has the best coverage.  It really depends on the insurance carrier and the individual policies.  Some will require the other insurance to be the primary (all will try that tactic) and then accept the "secondary" policy to cover any differences.

These answers don't really make any sense because there is no universal answer for this question.

Answer 5

D.  

Refer to the birthday rule.

And now, if you want to pass that test, you'll have to look it up to see which answer is really right.