if both nondivorced parents of a dependent child have insurance that will cover the child, which policy is considered to be the primary carrier for the child?
Check the birthday rule in these sites.
http://www.lpch.org/forPatientsVisitors/FinancialInsurance/insuranceGlossary.html
http://wiki.answers.com/Q/Can_you_designate_the_primary_and_secondary_insurance_coverage_yourself
Determining the primary carrier or health insurance policy for a dependent child when both nondivorced parents have coverage can depend on various factors. Here's how you can determine which policy is the primary carrier:
1. Review the "coordination of benefits" rules: Insurance companies typically follow specific guidelines known as "coordination of benefits" (COB) to determine the primary carrier. These rules help establish which insurance policy covers a dependent child first and which policy acts as the secondary provider.
2. Understand the 'birthday rule': Many insurance companies follow the "birthday rule" to determine the primary carrier. According to this rule, the policy of the parent whose birthday falls earlier in the calendar year is considered the primary carrier for the child. The other parent's policy is considered the secondary carrier.
3. Check the specific policy terms: Each insurance policy may have specific provisions for determining primary coverage. It is essential to review the policies of both parents to understand their individual rules and guidelines. You can typically find this information in the plan documents or by contacting the insurance companies directly.
4. Contact the insurance companies: If the coordination of benefits rules or the birthday rule do not provide a clear answer, it is best to contact both insurance companies directly. Explain the situation and provide them with the specific details of the policies and the child's coverage. They can provide you with accurate information on which policy is considered the primary carrier.
Remember, it's crucial to consult with each insurance company and review their specific guidelines to determine the primary carrier for the dependent child.