It's The Law: Why Your Health Insurance Company Must Cover Your Children

Our health insurance company is refusing to cover medical expenses incurred during our child's birth. Do we have any legal recourse?

A child getting a doctor's exam, covered by health insurance
As a result of Federal and state legislation that has been in place for decades now, discrimination by health insurance carriers against adopted children is prohibited in most situations. Prior to 1993, numerous problems existed. For example, insurance carriers would delay coverage until an arbitrary date, such as the finalization of the adoption in court. Another problem resulted when carriers excluded coverage for pre-existing conditions. The Omnibus Budget Reconciliation Act of 1993 (OBRA93), Public Law 103-66, amended the Employee Retirement ...

My insurance company is refusing to cover medical expenses for my new child. Help!


Subscribe now for exclusive access to this article, future digital issues of Adoptive Families, the full searchable Adoption Parenting Library and much more.

Already a subscriber? LOG IN

Need help? CLICK HERE

Copyright © 1999-2015 Adoptive Families Magazine®. All rights reserved. For personal use only. Reproduction in whole or in part without permission is prohibited.

More articles like this

Given email address is already subscribed, thank you!
Oops. Something went wrong. Please try again later.
Please provide a valid email address.
Thank you for signing up! Your first Adoptive Families newsletter will arrive within the week.
Please complete the CAPTCHA.
Please fill in the required fields.