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In households where both husband and wife have full-time work, it is common that the two of them are covered under a term health insurance plan by their respective employers. The kind of plan depends on each providing firm and the accompanying deductions, it actually is sensible that both partners be covered by two policies. This is made possible through the Coordination of Benefits Provision where the concern about twofold health plans is addressed. It is stated that the Principal corporate health insurance plan will pay the benefits fully, while the Subsidiary plan pays the remaining bill balance. The husband is usually the primary policy holder of a group plan, with the wife following as the second. Confusion is also eliminated when they are a number of children covered by manifold insurance plans through the strategy of recognizing the parent whose birthday comes first in the year as primary, and secondary for the one whose birthday is after the other.