State RegulationsMI specificDifficulty 2/5
A Michigan insurer refuses a father's request to enroll his child under his dependent coverage, citing the custody order that gives the mother physical custody. Under Michigan law, is the refusal proper?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
M.C.L. 500.3406g entitles a non-custodial parent to enroll a child in dependent health coverage, so a Michigan insurer may not treat the custody arrangement as a ground to refuse the enrollment. The Michigan Department of Insurance and Financial Services (DIFS) is the regulator for violations of Michigan enrollment protections.
Why the other options are wrong
- A) A custody order does not override the statutory enrollment right in M.C.L. 500.3406g.
- B) Insurer-imposed custody criteria cannot defeat a Michigan statutory right.
- D) M.C.L. 500.3406g concerns a parent's enrollment of the parent's child, not an open-ended duty to enroll any minor.
Memory hook
Insurers cannot use custody as a cloak — 500.3406g wins.