Health Insurance for Adopted Children
A law providing adopted children the same access to insurance as birth children.
Every adoption family should check with their insurance carrier regarding health coverage for the child they hope to adopt or have adopted. It is important to check your coverage in the earlier stages of the adoption process and not wait until after placement or finalization.
Many insurance companies will tell an adopting family that the child is not covered until after the family takes physical custody or until the adoption has been finalized. Often this information is not consistent with the law.
Buried in the Omnibus Budget Reconciliation Act of 1993, Title 1V, Subtitle D-Group Health Plans, Section 4301, Standards for Group Health Plan Coverage, is a provision that guarantees adopted children the same access to health insurance as birth children.
Please click on the following link to review The Omnibus Budget Reconciliation Act of 1993.