State RegulationsMI specificDifficulty 3/5
The custodial mother already carries family health coverage that includes the couple's daughter. The non-custodial father in Grand Rapids also wants to enroll the daughter under his employer's Michigan plan. What is the result under Michigan law?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
M.C.L. 500.3406g gives a non-custodial parent an independent right to enroll a child in the parent's dependent health coverage; existing coverage by the custodial parent does not extinguish that right (any overlap is handled through Michigan coordination-of-benefits rules). The Michigan Department of Insurance and Financial Services (DIFS) regulates insurers' compliance.
Why the other options are wrong
- A) The mother's existing coverage does not bar the father's statutory enrollment right under M.C.L. 500.3406g.
- B) No drop-first condition appears in M.C.L. 500.3406g.
- C) Michigan law does not require the parents' plans to merge — overlapping coverage is addressed through coordination-of-benefits rules.
Memory hook
Two parents, two plans possible — non-custodial enrollment stands alone.