1. A Florida group health policy that covers dependent children must cover a child dependent for support who lives with the policyholder or is a student at least until the end of the year the child turns:

25

Section 627.6562(1) requires coverage to the end of the calendar year the child turns 25 if dependent and living at home or a student, with an option to 30 under other conditions.

2. When a Florida group policy covers a newborn born to a covered dependent (for example, a grandchild of the certificateholder), the newborn's coverage ends:

18 months after the birth

Section 627.6575(1) covers a newborn of a covered family member from birth, but that coverage terminates 18 months after the birth.

3. Under Florida's coordination-of-benefits rules, a plan that covers a person as an employee pays:

Before a plan that covers the same person as a dependent

Section 627.4235(4)(a) determines the benefits of the plan covering the person as an employee or member before those of a plan covering the person as a dependent.

4. When two Florida group plans cover a child as a dependent of married parents, the primary plan is the plan of the parent:

Whose birthday falls earlier in the calendar year

Section 627.4235(4)(b) applies the birthday rule: the plan of the parent whose month and day of birth comes first in the year pays first.