Tag Archives: Insurance eligibility for adopted newborn baby.

Adoptive parents can be reassured that under federal and state law, their health insurance plan must treat an adoptive child the same as a “natural” or biological child and must provide coverage at the time the adoptive child is legally placed in their custody prior to finalization of the adoption. The Omnibus Budget Reconciliation Act of 1993 (OBRA'93), Public Law 103-66, amended the Employee Retirement Income Security Act of 1974 (ERISA). The amended law requires that any group health plan which provides coverage for dependent children must provide benefits to a child placed for adoption under the same terms and conditions as apply to a child who is the biological child of a plan participant. OBRA'93 specifically eliminated any requirement that the adoption be finalized in court before there is coverage.…