State RegulationsMI specificDifficulty 2/5
A couple in Troy adopts an infant. The husband's Michigan health policy provides dependent child coverage. What must the policy provide under Michigan law?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
M.C.L. 500.4426 requires Michigan policies that cover dependent children to cover adopted children as dependents; adoption cannot be used to withhold dependent coverage or impose a lesser benefit structure. The Michigan Department of Insurance and Financial Services (DIFS) regulates compliance with the adopted-children mandate.
Why the other options are wrong
- A) No extra-endorsement or fee requirement is authorized — M.C.L. 500.4426 mandates the coverage directly.
- C) The adopted-children provision applies precisely because the child is adopted; the newborn mandate in M.C.L. 500.3403 does not displace it.
- D) A reduced benefit schedule for adopted children would violate the Michigan coverage requirement in M.C.L. 500.4426.
Memory hook
Adopted = covered, same policy, no extra hoop.