Grace (DOB 01/10/ 1968) was recently diagnosed with Type 2 diabetes mellitus. She states that she has been faithful in taking the new medication the doctor has prescribed for her sugar. She knows she is having a special sugar test done during her visit today. Her medications include Januvia 100 mg daily. Dr. Byrd has ordered a fasting blood sugar (FBS) and hemoglobin A1C test to be done today. The FBS result is 106 and the hemoglobin A1C result is 7.0. Grace is encouraged to continue with her weight loss program through the local hospital's diabetes clinic and receives a return appointment for 3 months from now. Grace has insurance through her husband, William (DOB 06/24/1968), as well as coverage through her own employer. Her husband's insurance is a traditional fee-for-service
plan, and her coverage is an HMO plan in which PMA Medical Associates participate. Which insurance plan will be primary for Grace if the state she lives in uses the birthday rule?
a. Grace's own employer's insurance
b. William's insurance
c. Both plans equally share the costs
d. PMA Medical Associates