When each parent has family health insurance coverage, each has primary coverage for themselves and secondary coverage for their spouse under their respective plans. The parent whose birth date occurs earliest in the calendar year provides primary coverage for their dependent children. The other parent’s coverage would be secondary.
The birthday rule usually applies unless a court order specifies otherwise. We require a copy of the court order indicating who is to provide coverage for dependent children in divorce, custody and paternity determination cases.
When Medicare is involved, we may be primary based on the employee’s work status. For example, working or not working. Please refer to the Medicare section
for additional information.