State RegulationsOH specificDifficulty 2/5
Under Ohio's adopted-children provisions, how must an adopted child be treated for health-coverage purposes compared with a natural child?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
ORC 3923.40 (accident and sickness policies) and ORC 1751.59 (HIC contracts), together with ORC 3924.51 in the small-employer provisions, require that adopted children be covered on the same basis as natural children — the coverage may not be made more restrictive because of the adoption. Placement or adoption of a child therefore triggers the same family-coverage treatment.
Why the other options are wrong
- B) No separate policy is required; the adopted-child provisions at ORC 3923.40 and 1751.59 fold the child into existing coverage.
- C) Ohio law bars denying family coverage to a natural or adopted child solely for non-residence in the household (ORC 3901.21), so this restriction is improper.
- D) The number or identity of named policyholders is irrelevant; ORC 3923.40 and 1751.59 require equal treatment of adopted children.
Memory hook
Adopted = natural in the eyes of the policy.