State RegulationsMA specificDifficulty 1/5
When a covered Massachusetts insured gives birth, from what point is the newborn covered under the family's accident and health contract?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Massachusetts newborn-coverage law protects the child from the moment of birth. Under M.G.L. c. 175, § 47C and M.G.L. c. 176A, § 8B, coverage of a newborn child of the insured attaches automatically at birth for the injury, sickness, or congenital defects that make care needed, without a separate application gating the initial protection. The practical consequence is that no gap in the newborn's coverage can arise between the delivery and the paperwork.
Why the other options are wrong
- A) The newborn's coverage does not wait for the insurer's administrative processing; Massachusetts law attaches it at the moment of birth.
- B) A month-start effective date would leave the newborn uncovered from birth, which the Massachusetts newborn provisions do not permit.
- D) A separate accepted application cannot be a precondition of the newborn's initial coverage; the statutory protection runs from birth.
Memory hook
Born covered — the newborn's protection starts at the first cry, not at the filing desk.