State RegulationsNY specificDifficulty 1/5
Under New York law, a newborn child of a covered insured under a family health policy is covered:
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under N.Y. Ins. Law §3216(c)(4)(C), a newborn child is covered from the moment of birth. Coverage does not wait for the insurer to process paperwork, the end of the month, or a network hospital; the application and notice requirements simply continue that coverage going forward under the family policy.
Why the other options are wrong
- A) The application continues coverage already in force from birth; it is not the trigger for coverage.
- C) There is no month-end rule; coverage attaches at birth itself.
- D) The place of delivery has no bearing on the newborn coverage right.
Memory hook
Born covered: the policy protects from the first cry.