According to the birthday rule, if both parents have insurance, whose insurance is primary when the mother is born on July 15, 1993 and the father on February 20, 1995?

The birthday rule is a guideline used to determine primary and secondary insurance coverage for dependent children when both parents have health insurance. According to this rule, the insurance plan of the parent whose birthday occurs first in the calendar year is designated as the primary insurance.

In this case, the mother’s birthday is July 15, and the father’s birthday is February 20. Since February comes before July in the calendar year, the father’s insurance plan is considered primary. As a result, any medical expenses incurred by the child would first be processed under the father's insurance.

By understanding the application of the birthday rule, it becomes clear how determining the primary insurer works based on the birth dates of the parents. This is critical for healthcare access associates as they help families navigate insurance matters and ensure that claims are billed to the correct insurer. The rule simplifies the process and helps avoid confusion regarding which insurance provider should cover initial medical expenses for dependent children.