<prompt> Human: My son hand an outpatient surgery 2 years ago. At that time I was transitioning to a new job and just had my new employrs insurance kick in. I was under my wifes insurance while I was transitioning. So practically we had two insurances covering us. I hadnt had a chance to call and cancel my wifes insurance. Now 8900 bill is being denied by both insurers saying that neither of them are the primary insurers. We have called the company and the hospital several times to choose one or the other to be the primary insurer. After a lot of back and forth the bill is with the collection agency. What should be the next course of action. Should I reach out to an attorney or talk to the collection agency and dispute it directly. Thanks.  <response>: You cant just choose which is primary. I assume you and your wife are still together, so we would use the birthday rule here. Whoevers birthday is earlier in the year will be primary for the child, and the other parent would be secondary regardless of whos actually older. You need to call both insurances and tell them that due to the birthday rule, they are either primary or secondary as applicable. Once thats updated, the primary needs to reprocess, then you need to send the EOB from the primary over to the secondary, then theyll reprocess and youll finally see what you owe. 