State RegulationsNY specificDifficulty 3/5
A New York policy provides hospital, surgical, medical, and prescription drug expense coverage for dependents. Under N.Y. Ins. Law §3216(a)(4), through what age must that coverage continue for a dependent child?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under N.Y. Ins. Law §3216(a)(4), for hospital, medical, surgical, and prescription drug expense coverage, a dependent child must remain covered through age 26 as a matter of statute. This mandatory tier stands above the 19 base age and the 23 student extension, and it is distinct from New York's optional young-adult option, which can stretch coverage to 29 for an unmarried child living with a parent or financially dependent. Group medical expense coverage under N.Y. Ins. Law §4235(f) follows the same dependent-age structure.
Why the other options are wrong
- A) 19 is the base limiting age for dependent coverage generally; it does not reflect the statutory extension for hospital, medical, surgical, and prescription expense coverage.
- B) 29 is the optional young-adult extension, not the mandatory statutory age for this type of coverage.
- D) 25 is an optional extension age and is not the statutory requirement for medical expense coverage.
Memory hook
Major medical keeps kids to 26 - statute, not option.