§ 26.1-36-07 — Health insurance coverage for newborn and adopted children - Scope of coverage - Notification of birth or adoption

coverage - Notification of birth or adoption.
1. All individual and group health insurance policies providing coverage on an
expense-incurred basis and individual and group service or indemnity type contracts
issued by a nonprofit corporation which provide coverage for a family member of the
insured or subscriber must, as to the family members' coverage, also provide that the
health insurance benefits applicable for children are payable with respect to a newly
born child of the insured or subscriber from the moment of birth and are also payable
from the date of physical placement by a licensed child placement agency or by the
birth parent pursuant to chapter 14-15.1 with respect to an adopted child.
2. The coverage for newly born children and for children placed for adoption by a
licensed child placement agency or by the birth parent pursuant to chapter 14-15.1
consists of coverage of injury or sickness, including the necessary care and treatment
of medically diagnosed congenital defects and birth abnormalities.
3. If payment of a specific premium or subscription fee is required to provide coverage for
a child, the policy or contract may require that notification of birth of a newly born child
or child placed for adoption by a licensed child placement agency or by the birth parent
pursuant to chapter 14-15.1 and payment of the required premium or fees must be
furnished to the insurer or nonprofit service or indemnity corporation within thirty-one
days after the date of birth or date of physical placement by a licensed child placement
agency or by the birth parent pursuant to chapter 14-15.1 of the child in order to have
the coverage continue beyond the thirty-one-day period.