State RegulationsOH specificDifficulty 1/5
Which statement best describes the scope of newborn benefits required by ORC 3923.26 in an Ohio A&H policy?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
ORC 3923.26 requires that coverage for a newly born child run from the moment of birth and include necessary care and treatment of medically diagnosed congenital defects, birth abnormalities, and prematurity. The statute's purpose is to ensure the earliest and most vulnerable period of life is covered without a separate underwriting step.
Why the other options are wrong
- B) ORC 3923.26 reaches well beyond routine visits, expressly covering congenital defects, birth abnormalities, and prematurity.
- C) Limiting benefits to emergencies contradicts ORC 3923.26, which requires necessary care and treatment from the moment of birth.
- D) Newborn coverage is automatic under ORC 3923.26; only an additional-premium requirement triggers the notice-and-payment step.
Memory hook
Congenital, abnormal, premature — all in from birth.