What happens when both parents have the same birthday in regard to insurance coverage?

When both parents share the same birthday, the determination of primary and secondary insurance coverage generally relies on who had their insurance plan in effect first. This is a standard practice in healthcare insurance coordination. It is essential because primary insurance is responsible for processing claims and paying benefits first, while the secondary insurance may cover additional costs not paid by the primary insurer.

If one parent established their insurance coverage before the other, their policy is typically considered the primary insurance. This process helps ensure that claims are managed efficiently and reduces complications in billing and coverage.

The other options provide incorrect information regarding how primary and secondary insurance is determined. For example, coverage period alone does not determine primary insurance if the parents have the same birthday, and there is no default rule favoring the mother's insurance in this scenario. Additionally, coordinated benefits can occur, allowing the coverage from both parents' insurance plans to be utilized, which makes the statement about insurance coverage not being able to be coordinated incorrect.