Svetlana (45) and Petro (43) are both employed and each have their own group benefit plan that provides family coverage. Svetlanas birthday is in June and Petros is in December. The couple has one child, Tatiana, who is 7 years old. Both Svetlana and Petros group plans provide extended health benefits which include basic dental coverage. Svetlanas plan has a $100 deductible on dental claims and Petros plan has a $50 deductible. In February, Tatiana has a routine check-up at her dentist. Which of the following CORRECTLY describes how their claims should be submitted to their respective insurers?

a)Svetlana and Petros group plans will each cover half of the cost of the claim.

b)The claim should be submitted to Petros plan first and any unpaid claims then submitted to Svetlanas insurer.

c)The claim should be submitted to Svetlanas plan first and any unpaid claims then submitted to Petros insurer.

d)The couple can choose to submit to Petros plan as the first payer because it has a lower deductible.