When is a Group Health policy required to provide coverage for a newborn child?
Understand the Problem
The question pertains to the timing of when a group health policy must provide coverage for a newborn child. It requires identifying the specific event or condition that triggers the mandatory coverage initiation.
Answer
From the moment of birth, HIPAA mandates group health policies provide coverage for newborn children.
A group health policy is required to provide coverage for a newborn child from the moment of birth. This is mandated by the Health Insurance Portability and Accountability Act (HIPAA).
Answer for screen readers
A group health policy is required to provide coverage for a newborn child from the moment of birth. This is mandated by the Health Insurance Portability and Accountability Act (HIPAA).
More Information
The Newborns' and Mothers' Health Protection Act (NMHPA) is a federal law that affects the length of time a mother and newborn child are covered for a hospital stay in connection with childbirth.
Tips
A common mistake is to assume that coverage begins only when the policyholder notifies the insurance company, but coverage is effective from birth.
Sources
- PDF FAQs about Newborns' and Mothers' Health Protection - dol.gov
- Newborns' and Mothers' Protections - U.S. Department of Labor - dol.gov
- Chapter 38. Newborn Health Insurance. - D.C. Law Library - code.dccouncil.gov
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