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The birthday rule is a common claims practice health insurance companies use when children are listed as dependents on two parents' group health plans. The rule helps determine which health plan is the primary policy and which is secondary so that total coverage does not exceed 100 percent of charges.
1 So you actually get a total 61 days to exercise the California Birthday Rule. Please keep in the mind, the new policy can only take effect on your birthday or in the 30 days after your birthday.  You can change to another plan, as long as it is of equal of lesser coverage level.