State RegulationsMI specificDifficulty 1/5
Under M.C.L. 500.3403(2), a Michigan insurer may NOT refuse to enroll a newborn for which of the following reasons?
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
M.C.L. 500.3403(2) prohibits a Michigan insurer from denying enrollment of a newborn because the child was born out of wedlock, is not claimed as a tax dependent, or does not reside with the insured or in the service area. The Michigan Department of Insurance and Financial Services (DIFS) polices these prohibited denial grounds.
Why the other options are wrong
- B) Nonpayment of the required premium is a legitimate coverage issue outside the prohibited grounds of M.C.L. 500.3403(2).
- C) The statute protects enrollment rights, but a request that was never made is not a prohibited-ground denial.
- D) The newborn mandate attaches to existing dependent coverage under M.C.L. 500.3403 — a birth preceding the policy is not the prohibited-ground scenario.
Memory hook
Wedlock, taxes, address — Michigan bans all three newborn denial grounds.