Most group health insurance plans have adopted the coordination-of-benefits rules developed by the National Association of Insurance Commissioners. Under these rules, if a dependent child is covered by both of the health insurance plans of the child's married parents, which health plan is primary for the child's medical expenses?

Respuesta :

Answer:

The health plan of the parent that first celebrate his/her birthday in the calendar year will be the primary for the child's medical care.

Explanation:

The National Association of Insurance Commissioners is a board that was set up to play role in protecting the interest of insurance customers.

They implemented a regulation which is known as the coordination-of-benefits rules, and has been adopted by most of the health insurance group.

The coordination - of -benefits rule is implemented for the elimination of benefits duplication or over-insurance. It is useful when a person is covered by two or more plan that include health benefits.

In this case of the child, the coordination-of-benefits rule must be implemented because he/she is covered by two health plan.