This text of Iowa § 514C.1 (Supplemental coverage for adopted or newly born children) is published on Counsel Stack Legal Research, covering Iowa primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.
1.Any policy of individual or group accident and sickness insurance providing coverage
on an expense incurred basis, and any individual or group hospital or medical service
contracts issued pursuant to chapters 509, 514, and 514A, which provide coverage for a
family member of the insured or subscriber shall also provide that the health insurance
benefits applicable for children shall, subject to the enrollment requirements of this section,
be payable with respect to a newly born child of the insured or subscriber from the moment
of birth, or, in the situation of a newly adopted child of a covered person, such child shall be
covered from the earlier of any of the following:
§514C.1, SPECIAL HEALTH AND ACCIDENT INSURANCE COVERAGES 2
a.The date of placement of the child for the purpose of a
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1. Any policy of individual or group accident and sickness insurance providing coverage
on an expense incurred basis, and any individual or group hospital or medical service
contracts issued pursuant to chapters 509, 514, and 514A, which provide coverage for a
family member of the insured or subscriber shall also provide that the health insurance
benefits applicable for children shall, subject to the enrollment requirements of this section,
be payable with respect to a newly born child of the insured or subscriber from the moment
of birth, or, in the situation of a newly adopted child of a covered person, such child shall be
covered from the earlier of any of the following:
§514C.1, SPECIAL HEALTH AND ACCIDENT INSURANCE COVERAGES 2
a. The date of placement of the child for the purpose of adoption and continuing in
the same manner as for other dependents of the covered person, unless the placement is
disrupted prior to legal adoption and the child is removed from placement.
b. The date of entry of an order granting the covered person custody of the child for
purposes of adoption.
c. The effective date of adoption.
2. The coverage for adopted or newly born children shall consist of coverage for injury
or sickness including the necessary care and treatment of medically diagnosed congenital
defects and birth abnormalities and is not subject to any preexisting condition exclusion.
3. If payment of a specific premium or subscription fee is required to provide coverage
for a newly born child, the policy or contract may require that notification of birth of a newly
born child and payment of the required premium or fees must be furnished to the insurer or
nonprofit service or indemnity corporation within sixty days after the date of birth.
4. If payment of a specific premium or subscription fee is not required to provide coverage
for a newly born child, the policy or contract may require that notification of birth of a newly
born child must be furnished to the insurer or nonprofit service or indemnity corporation
within sixty days after the date of birth in order for coverage to be provided for the child from
the date of birth.
5. a. If payment of a specific premium or subscription fee is required to provide coverage
for a newly adopted child or child placed for adoption, the policy or contract may require that
notification of the adoption or placement for adoption and payment of the required premium
or fees must be furnished to the insurer or nonprofit service or indemnity corporation within
sixty days after the coverage is required to begin under this section.
b. Ifpaymentofaspecificpremiumorsubscriptionfeeisnotrequiredtoprovidecoverage
for a newly adopted child or child placed for adoption, the policy or contract may require that
notification of the adoption or placement for adoption must be furnished to the insurer or
nonprofit service or indemnity corporation within sixty days after the coverage is required to
begin under this section.
c. If a covered person fails to provide the required notice or to make payment of premium
orsubscriptionfeeswithinthesixty-dayperiodrequiredinthissubsection, thenewlyadopted
child or child placed for adoption shall be treated no less favorably by a health carrier than
other dependents of the covered person, other than newly born children, who seek coverage
under a policy or contract at a time other than the time when the dependent is first eligible
to apply for coverage.