Final answer:
The order of payer coverage for Marty, who is covered by multiple health plans, should be based on coordination of benefits rules, typically starting with the custodial parent's plan. In Marty's case, the order is Cigna (mother's plan), Blue Cross of Colorado (stepfather's plan), and then Health Services (father's plan).
Step-by-step explanation:
When it comes to determining the order of coverage for multiple health plans, coordination of benefits rules is generally followed. This involves identifying the primary, secondary, and tertiary payers based on the specific circumstances of each insured individual. Typically the health plan of the parent with custody (in this case, Marty's mother with Cigna) is considered the primary plan, followed by the plan of the step-parent (Blue Cross of Colorado) if the step-parent has covered the child. The non-custodial parent's plan (Marty's father's Health Services) would typically be considered the tertiary coverage. However, since specific situations can vary, it's essential to examine the terms of coverage provided by each plan to determine the exact order.
The correct answer to the question is: B. Cigna, Health Services, Blue Cross of Colorado.