State RegulationsNC specificDifficulty 2/5
A baby is born to an employee whose health plan requires an additional premium for newborn coverage. Within how many days after the birth must the newborn be enrolled for coverage to apply from the moment of birth?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under G.S. 58-51-30(b), newborn coverage attaches from the moment of birth, and no prior notice is required unless an additional premium is due; in that case the newborn must be enrolled within 30 days after birth. Foster or adopted children must be enrolled within 30 days after placement, and congenital defects are covered as any other sickness.
Why the other options are wrong
- A) Ten days is the policy return period under G.S. 58-51-10, not the newborn enrollment deadline.
- B) Thirty-one days is the conversion deadline under G.S. 58-53-55 and the long grace tier, not the newborn enrollment window.
- C) Sixty days is the continuation election window under G.S. 58-53-10, not the newborn enrollment deadline.
Memory hook
Covered at first breath - enroll within 30 days if extra premium is due.