Source: Cara Anthony - NPR

When a child is born into a family in which both parents have insurance through their jobs, the parents are supposed to "coordinate benefits'' — meaning they must tell both insurers that their child is eligible for coverage under two plans. The parents might be forgiven for thinking they have some say in how their child will be insured. In most cases, they don't.

Read Full Article: ‘Birthday Rule’ blindsides first-time parents with mammoth medical bill