State RegulationsNY specificDifficulty 3/5
Which statement describes New York's optional dependent coverage extension to age 29?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under N.Y. Ins. Law §3216(a)(4), New York requires insurers to make available an optional extension of dependent coverage through age 29 for an unmarried child who lives with a parent or who can prove financial dependence; group coverage follows the parallel rule in N.Y. Ins. Law §4235(f)(1)(2). It is an offer the family may elect with premium, not an automatic continuation.
Why the other options are wrong
- B) The extension is elective and premium-bearing; it is neither automatic nor free.
- C) The statutory tier for hospital, medical, surgical and prescription coverage sits lower; 29 is the optional tier.
- D) The full-time student tier is separate and younger; the age 29 option turns on residency or dependence.
Memory hook
Age 29 is an offer to accept, not a gift automatic.