Birthday Rule is used when a child is covered by more than one insurance plan of their parents to determine which policy is the primary payer, and which policy is the secondary payer. If the parents' insurance policies are substantially different, application of the birthday rule can cause big differences between the coverage that is expected, and the coverage that is provided.

Take a few minutes to read this article, Birthday Rule' Blindsides First-Time Parents With A Mammoth Medical Bill

If you prefer, you can listen to the article using its provided audio link. Once you've reviewed the article, write a Main Post of 250-300 words that shares your views on the following:

• As a Medical Insurance Billing Specialist, how would you have explained the Birthday Rule to the parents?
• The article states that the primary coverage, Mikkel's coverage, had a network in another state, meaning the services provided were out-of-network. How might that have affected the amounts the family was billed for care?
• If you were a friend of the Kjelhus family, is there anything you would have recommended at the start of their pregnancy to insure they got the maximum amount of coverage they were entitled to?