Final answer:
The statement is true based on the 'birthday rule,' but it typically applies to dependent children covered by both parents' health plans. For adults, their own employer's plan would generally be the primary, and their spouse's plan would be secondary. It's essential to confirm with the respective insurance companies for accurate coordination of benefits policies.
Step-by-step explanation:
The statement that Melissa will have coverage through John's insurance first, with her insurance as the secondary coverage because John's birthday is first in the calendar year, is true. This scenario describes the birthday rule, which is a common method used in the health insurance industry to determine the order of coverage when a child is covered by two plans. However, since Melissa and John are both adults and are married, the insurance plans may operate differently. Typically, one's own employer's plan is the primary coverage, and the spouse's plan would be the secondary coverage. Therefore, if both have employer-sponsored health plans, each individual's plan would typically be their primary coverage and their spouse's plan would be secondary. It's important to check with the specific insurance companies for their coordination of benefits policy.