How is health coverage for newly-adopted children under a parent's policy different from health coverage for newborns?
A. Newborns must provide proof of insurability before coverage can be provided.
B. Adopted children must provide proof of insurability before coverage can be provided.
C. The premium for newly-adopted children is higher.
D. There is no difference.
Answer (2)
Health coverage for newly-adopted children differs from that for newborns primarily in the requirement for proof of insurability. Adopted children may need to demonstrate their health status before coverage is granted, while newborns are typically covered immediately. Thus, the distinction lies in the documentation needed for adopted children versus automatic coverage for newborns. ;
The primary difference in health coverage between newly-adopted children and newborns is that adopted children often must provide proof of insurability before being covered, while newborns usually receive immediate coverage without such requirements. This can impact how quickly families can secure health benefits for their new children. Therefore, the correct answer is B: Adopted children must provide proof of insurability before coverage can be provided.
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