Health insurance typically covers a single individual, a couple or a family. However, adopted kids are often ignored as they are not blood relatives.

Here’s the inside scoop on the limits of health insurance coverage for adopted children, tweens and teens in the greater Columbia, MD area.

Insuring Adopted Children

If you are considering adopting a child, you should be aware of the nuances of health care for such kids. That awareness will minimize coverage gaps, financial difficulties and delays in processing.

It is possible to add an adopted child to a health insurance policy. In many instances, the adopted child is eligible for coverage at the moment of adoption placement. 

The Letter of the Law

The bottom line is federal law states a child who is adopted is typically eligible for health insurance coverage through employer-sponsored plans at the time of placement.  HBW Insurance Group complies with all laws.

Such coverage is available through federal amendments made to the ERISA legislation, short for Employee Retirement Income Security Act. Moreover, the 1993 Omnibus Budget Reconciliation Act bolstered such protections.

If the group health insurance plan in question provides coverage for kids who are dependent, that coverage extends to children who are placed as adoptive kids and biological children.

As a result, you can adopt children in full confidence, knowing there is a good chance they’ll be covered through health insurance, assuming you already have coverage.

HBW Insurance Group is Here for You

If you are in the market for health insurance, we’ve got you covered. As long as you live within the greater Columbia, MD area, you are within our coverage range. Dial 410-744-4313 for your personalized health insurance quote.