Newborn infant coverage applies to dependents of the insured from birth in which policies?

Newborn infant coverage applies to dependents of the insured from birth in which policies?

• A. All individual and group health insurance policies written on an expense-incurred basis providing coverage for dependents of the insured must provide coverage for the insured's newborn child from the moment of birth.
• B. Only life insurance policies.
• C. Only policies issued after birth.
• D. Only if the newborn is born with a medical condition.

Answer: (A)

Newborn infant coverage is required for health insurance policies that are written on an expense-incurred basis and provide coverage for dependents of the insured. For these policies, the newborn child must be covered from the moment of birth, regardless of the infant’s medical condition. This rule applies to both individual and group health policies that insure dependents. It isn’t about life insurance, and it doesn’t depend on the policy being issued after birth or on the newborn having a medical condition. The purpose is to ensure immediate access to care for newborns right from birth.

Newborn infant coverage is required for health insurance policies that are written on an expense-incurred basis and provide coverage for dependents of the insured. For these policies, the newborn child must be covered from the moment of birth, regardless of the infant’s medical condition. This rule applies to both individual and group health policies that insure dependents. It isn’t about life insurance, and it doesn’t depend on the policy being issued after birth or on the newborn having a medical condition. The purpose is to ensure immediate access to care for newborns right from birth.