For a 3-month-old boy living with both parents who have family coverage, which insurance plan is primary based on their birthdates?

In this scenario, determining the primary insurance plan for the 3-month-old boy is contingent on the specifics of coordination of benefits, particularly in relation to the parents’ birthdates. Typically, if both parents have family coverage, the birthday rule is applied. This rule states that when two parents have insurance policies, the one with the earlier birthdate in the calendar year will often be considered the primary insurer for children.

If the selected answer is Medical Mutual, it signifies that the plan associated with the parent who has the earliest birthdate is the primary insurance. Considering that the context does not provide specific birthdates for either parent, if one parent is indeed covered under Medical Mutual and they have the earlier birthday compared to the other parent, that makes Medical Mutual the primary coverage.

The implication of the answer also suggests that Bankers Life would not be the primary insurer due to either a later birthdate or being secondary in nature according to the coordination of benefits rules. Understanding these principles of how insurance coverage works in scenarios involving dependents is crucial in a front desk patient service representative's role, as it ensures accurate billing and claims processing.