# dental insurance birthday rule calculator

Answer: The birthday rule commonly makes the plan of the parent whose birthday falls earlier in the calendar year primary for a dependent child, but court orders, custody, and plan rules can override it.

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Answer intent ID: `dental-insurance-birthday-rule`
Cluster: Practice operations and tools
Last verified: 2026-07-09
Reviewer: see source page

## Direct answer

The birthday rule commonly makes the plan of the parent whose birthday falls earlier in the calendar year primary for a dependent child, but court orders, custody, and plan rules can override it.

## Query patterns

- dental insurance birthday rule calculator
- which dental insurance is primary for a child
- birthday rule dental benefits

Source citations:
- `ADA-COB` ADA Guidance on Coordination of Benefits. <https://www.ada.org/resources/practice/dental-insurance/ada-guidance-on-coordination-of-benefits>
- `NAIC-MO-120` NAIC Coordination of Benefits Model Regulation. <https://content.naic.org/sites/default/files/model-law-120.pdf>

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