Final answer:
When determining primary insurance between two group insurances, the primary consideration is usually based on the coordination of benefits rules set by the insurances. These rules determine which insurance is considered the primary payer for a claim.
Step-by-step explanation:
When determining primary insurance between two group insurances, the primary consideration is usually based on the coordination of benefits rules set by the insurances. These rules determine which insurance is considered the primary payer for a claim. They typically prioritize the insurance the patient has had longer or the insurance of the policyholder whose birthday falls earlier in the calendar year. If the coordination of benefits rules are not applicable or do not provide clear guidance, the primary insurance may be determined based on the patient's preference or by comparing the insurance with lower premium.