Question

If a dependent child is covered by 2 health policies from divorced or separated parents, which policy pays first?

Option 1: The policy of the parent with custody
Option 2: The policy of the parent with higher coverage
Option 3: The policy of the parent with the earliest birthday in a year
Option 4: The policy of the parent who initiated the divorce

Answer 1

The policy that pays first depends on the coordination of benefits rules and is generally the policy of the parent with custody, followed by the policy of the parent with the earliest birthday in a year if the child has dual custody.

Step-by-step explanation:

When a dependent child is covered by 2 health policies from divorced or separated parents, the policy that pays first depends on the coordination of benefits rules.

Generally, the policy of the parent with custody pays first, followed by the policy of the parent with the earliest birthday in a year if the child has dual custody. If the child lives with one parent and has visitation with the other, the policy of the parent with custody would still pay first.

It is important to note that insurance policy terms may vary, so it is best to review the specific details of each policy to determine the correct order of payment.