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two commercial insurances

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ellie:
i was always taught ( not sure right though) that if patient and spouse carry insurance it goes by who's every birthday comes first is primary ? someone told me this applies only to children not adult insurances ????? what do guys no about what is correct. patients don't always know.

Pay_My_Claims:
no, it varies by a lot of things. is it an individual or group plan, is medicare involved, the birthday rule comes into effect in regards to the children.

PMRNC:
No, it's straight forward with just the spouses, each one covers themselves primary, then secondary is determined by first making sure the other is a dependent on that policy. The birthday rule (if applied, not all use birthday rule) comes into factor with the dependents/kids

melissa_2004:
Is there a variation to this when Medicare is involved?  For example:  85 year old woman has Medicare.  Her husband still works and has Aetna with wife as dependent. 

medauthor:
In this case, Aetna is the wife's primary and Medicare is her secondary.

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