State RegulationsOH specificDifficulty 3/5
A child is born in Columbus on March 1 under a policy that requires a specific additional premium for newborn coverage. The parents notify the insurer and pay the premium on March 20. Which statement correctly states the coverage result under ORC 3923.26?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
ORC 3923.26 gives the newborn coverage from the moment of birth, including care for medically diagnosed congenital defects and birth abnormalities, while conditioning continuation beyond the initial period on notification of birth and payment of the required additional premium within 31 days of birth. March 20 is within 31 days of March 1, so the coverage both starts at birth and continues.
Why the other options are wrong
- A) The starting point under ORC 3923.26 is the moment of birth; the notification date affects continuation, not inception.
- B) Advance payment is not required; ORC 3923.26 allows notice and payment within 31 days of birth.
- D) Timely notice and payment within the 31-day window continues the coverage; it does not expire on day 31 when the window is met.
Memory hook
Covered at first breath; keep it by telling and paying inside 31 days.