State RegulationsPA specificDifficulty 2/5
A Pennsylvania family adopts an infant and asks whether their health plan covers the child. Under 40 P.S. § 775.1, what is the rule for adopted children?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
40 P.S. § 775.1 is Pennsylvania's adopted child coverage statute: an adopted child is covered in the same manner as a natural child of the insured, with the statute prescribing coverage from birth. Adoption cannot be used as a wedge to deny the child the protection the plan gives any other family member. The provision sits within Pennsylvania's newborn and child coverage family at 40 P.S. §§ 771-775.2, implemented through regulations including 31 Pa. Code 89.201.
Why the other options are wrong
- B) No one-year waiting period exists in the statute; coverage attaches on the statutory basis from birth.
- C) Adopted children are not excludable by a rider requirement; the Pennsylvania statute mandates equal treatment.
- D) Finalization timing does not disqualify the child; the statute's rule runs from birth on the same basis as natural children.
Memory hook
Adopted = natural in Pennsylvania's child coverage statutes — from birth.