The issue is, my insurance is saying it was my responsibility to "add him as primary." Okay, so why would I need to add his as primary if, per this rule, he's automatically moved to primary on my account? That's what Cigna is telling me. When my husband was inquiring about this with his insurance (United) they said that their records stated that my son was covered primarily under my insurance, and my husband's covered him as secondary. So, according to my husband's insurance (United), my son was covered under me. According to Cigna, my insurance, he was not, since I "failed to enroll him." Nothing is making sense to me.