<prompt> Human: Hello PF,Need some help here as it pertains to the birth of my child and his insurance. So my wife and I both had individual plans prior to my son being born. We had determined my insurance was the better choice so once he was born I called my insurance co and used my life changing event to add my child to my policy. My wife left her insurance totally the same, individual coverage. Now my insurance co is denying claims saying they are the secondary provider and they only pay what my wifes insurance doesnt. They do not seem to be able to produce any proof that my wife ever insured my son. So my insurance company keeps quoting the birthday rule. Stating that it is Federal Law as a result of this Affordable Care Act. They claim this law makes whichever parents birthday month comes first aka closest to January of 2016 the primary insurance.From what I can tell this is totally bogus based on my research. 1 there appears to be no law and this is a general internal policy amongst insurers. 2 this policy only applies if a dependent is covered under both parents policies again he has only ever been on mineI have made it up one link in the chain of command and gotten the direct dial for a manager who gave me all the above mentioned run around. So help me out PF and insurance insiders. What the heck is going on here and how do I squash this nonsense?  <response>: How old was the child at the time the claims were made? A newborn is covered under the mothers insurance for the first 30 days from date of birth, as required by the ACA. During this 30-day period, your wifes insurance may be considered primary due the so-called birthday rule which is really just a way for insurance companies to manage the coordination of benefits, explained herethe birthday rule is an informal procedure that the health insurance industry has widely adopted for the coordination of benefits when children are listed as dependents on two parents group health plans.If this is the case, then all of the claims made during your childs first 30 days of life are handled according to the coordination of benefits rules defined by your and yours wife insurance plans. After 30 days, your insurance should be the only plan covering your child. 