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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.
For your children's coverage, the primary carrier is generally determined by the birthday rule: coverage of the parent whose birthday (month and day, not year) comes first in the year is considered to be your children's primary coverage. The birthday rule may be superseded by a divorce agreement or other court ruling.