If a child has coverage from both parents, which factor determines the primary insurance?

The determination of primary insurance when a child has coverage from both parents typically follows the rule that the plan that has been in effect for the longest duration becomes the primary insurance. This is based on the principle that longer-lasting coverage can indicate stability and continuity in access to care. Therefore, should a claim be filed, the insurance that has been active for a longer period will be responsible for processing the claim first, followed by the other parent's insurance as secondary coverage.

The other options do not apply to the standard method of determining primary insurance. The age of the parents or the comprehensiveness of their plans does not dictate which policy is the primary one. Similarly, household income level is unrelated to how insurance plans are prioritized for coverage and claims processing. Understanding these factors is crucial for efficient patient access and navigation through insurance claims processes.