a Part IV True/False Write "T" or "F" in the blank to indicate whether you think the statement is true or false. 23. If a health care organization belongs to a preferred provider organization (PPO) and does not follow his or her contract with the PPO, the patient is liable for the bill. 24. The birthday rule is a change in the order of determination of COB regarding primary and secondary insurance carriers for dependent children. 25. The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) mandates that when an employee is laid off from a company, the group health insurance coverage must continue at group rates for up to 18 months. 26. A group policy usually provides better benefits; however, the premiums are generally higher than an individual contract would be. 27. A signature stamp is acceptable by all insurances as proof of the provider's signature on a CMS-1500 claim form