Final answer:
When a child is covered by separate insurance policies by each parent, the policy of the older parent is considered primary. This means that the older parent's insurance policy will be the first one to pay for any healthcare expenses for the child.
Step-by-step explanation:
When a child is covered by separate insurance policies by each parent, the policy of the older parent is considered primary. This means that the older parent's insurance policy will be the first one to pay for any healthcare expenses for the child. The other parent's policy is considered secondary and will only cover the remaining expenses after the primary policy has paid its portion.
For example, let's say a child has two parents, Parent A (older parent) and Parent B. If the child needs to visit a doctor, the older parent's insurance policy will be billed first. If there are any remaining expenses that are not covered by the older parent's policy, the secondary policy of the other parent (Parent B) will be used to cover those expenses.
It's important to note that the primary and secondary designations may vary depending on the insurance company and the specific policies involved. It's always a good idea for parents to review their insurance policies and consult with their insurance providers to understand how coverage works for their child.