Jane, age 28, and John, age 30, are married and have a son, age one. Jane is

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Jane, age 28, and John, age 30, are married and have a son, age one. Jane is covered under her employer's group medical expense plan as an employee. Jane is also covered under John's plan as a dependent. The son is covered under both plans as a dependent.

Jane's birthday is January 10, while John's birthday is November

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