What is typically the basis for determining the primary payer for a dependent covered under multiple health plans?

Determining the primary payer for a dependent covered under multiple health plans typically hinges on established coordination of benefits rules, which prioritize certain criteria. The primary consideration is often the amount of coverage provided by each policy. This means that the plan which offers the most comprehensive benefits, or which pays out the highest amount for claims, will usually be designated as the primary payer.

This prioritization based on coverage ensures that the dependent receives the most advantageous financial support for their medical expenses, avoiding situations where multiple coverages could lead to confusion or reduced benefits. Factors like the parent's employment status may affect eligibility or coverage but do not directly dictate which payer is primary. Similarly, the length of policy duration or the age of the parent have minimal or no impact on determining which health plan takes precedence in the coordination of benefits process.