Welcome to Adopting Family Resouces If you have any questions, no matter how big or how small please do not hestitate to call or email us.  We enjoy helping nice people. Click here to learn about the creators of Adopting Family Resources.

Home

  Quick Find

Adoption Choices

  Types of Adoption

  Open vs Closed

  Agency vs Private

  Agency vs Facilitator

  Intrastate vs Interstate

  Domestic vs Intern'l

  Selecting an Agency

  Adoption Attorneys

Adoption Help

  Domestic Adoption

  International

  China Adoption

  Russia Adoption

  Guatemala Adoption

  More Countries

Financial Help

  Federal Help

  Federal Tax Credit

  State Help

  Employer Help

  Health Insurance

  Special Needs Infants

  Taxpayer ID #

Additional Resources

  Emotional Issues

  Support Groups

  Organizations

  Child Health/Disease

  Foster Care

  Adoption Exchanges

  Photo-Listings

Special Adoptions

  Single

  Gay/Lesbian

  Relatives

  Step-Parent

Records

  Birth Records

  Search & Reunion

  Adoption Registries

Privacy

  Suggestions
Adopting Family Reources
adopting family Please click here to contact Our Director or a member of his staff. adopting child

Adoption Health Insurance Issues


Some adopting families and their adopted child are eligible for free health insurance and for those who have private health insurance it is important to know that many insurance carriers are required to offer a child placed for adoption the same access to health insurance as a birth child.

Child Health Insurance Programs

The U.S. federal and state governments administer Child Health Insurance Programs which can help you if your earned income is too high to be eligible for Medicaid but low enough that you can not afford private health insurance.

Omnibus Budget Reconciliation Act

The U.S. federal law, the Omnibus Budget Reconciliation Act of 1993 requires an insurance company to offer an adopted child the same health insurance coverage as a birth child.  This can be important information in case your insurance carrier tries to deny adoption-related medical expenses that may be covered under this law.

The legal wording and citation as signed into law are provided below:

Subtitle D-Group Health Plans
Sec. 4301. Standards for Group Health Plan Coverage

(a) In General-Part 6 of subtitle B of title 1 of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1161 et seq.) is amended by adding at the end of the following new section: "ADDITIONAL STANDARDS FOR GROUP HEALTH PLANS Sec. 609. (a) Group Health Plan Coverage Pursuant to Medical Child Support Orders"

(c) Group Health Plan Coverage of Dependent Children in Cases of adoption

(1) Coverage effective upon placement for adoption

In any case in which a group health plan provides coverage for dependent children of participants or beneficiaries, such plan shall provide benefits to dependent children placed with participants or beneficiaries for adoption under the same terms and conditions as apply in the case of dependent children who are natural children of participants or beneficiaries under the plan, irrespective of whether the adoption has become final.

(2) Restrictions Based on Preexisting Conditions at the Time of Placement for Adoption Prohibited

A group health plan may not restrict coverage under the plan of any dependent child adopted by a participant or beneficiary, or placed with a participant or beneficiary for adoption solely on the basis of a preexisting condition of such a child at the time that such child would otherwise become eligible for coverage under the plan, if the adoption or placement for adoption occurs while the participant or beneficiary is eligible for coverage under the plan.

(3) DEFINITIONS-.For purposes of this subsection-

            (A) CHILD- The term "child" means, in connection with any adoption, or placement for adoption, of the child, any individual who has not attained the age 18 as of the date of such adoption or placement for adoption.

            (B) PLACEMENT FOR ADOPTION-the term "placement" or being "placed", for adoption, in connection with any placement for adoption of a child with any person, means the assumption and retention by such person of a legal obligation for total or partial support of such child in anticipation of adoption of such child.  The child's placement with such person terminates upon the termination of such legal obligation.

 

Help for Adopting Families by State
 Alabama  Hawaii  Massachusetts  New Mexico  South Dakota
 Alaska  Idaho  Michigan  New York  Tennessee
 Arizona  Illinois  Minnesota  North Carolina  Texas
 Arkansas  Indiana  Mississippi  North Dakota  Utah
 California  Iowa  Missouri  Ohio  Vermont
 Colorado  Kansas  Montana  Oklahoma  Virginia
 Connecticut  Kentucky  Nebraska  Oregon  Washington
 Delaware  Louisiana  Nevada  Pennsylvania  West Virginia
 Florida  Maine  New Hampshire  Rhode Island  Wisconsin
 Georgia  Maryland  New Jersey  South Carolina  Wyoming
More Adoption Help
Pregnancy
Placing a child for adoption
Parenting
Adopting a child
About Us
  Contact Us

Adoption Rights

  Birth Mother

  Birth Father

  Adopting Family

  Grandparents

Adoption Laws

  State Laws

  Interstate Laws

  Indian Welfare Act

  Adoption Expenses

  Family Leave Act

  International

  Child Citizenship Act

  Adoption Assistance

  Multiethnic Act

  Advertising

Government Help

  Federal A-Z

  State Agencies

  Child Welfare

  Services & Benefits

  Senators

  Representatives

  Governors

Special Issues

  Fingerprinting

  Transracial Issues

  Disruptions

Post-Adoption Issues

  Child Development

  Explaining Adoption

  Adoption & School

  Parenting

  Therapy

  Therapist Selection

Additional Issues

  Prevent Child Abuse

  Breastfeeding

  Costs and Fees

  Birth Parent Help

  Birth Statistics

Disclaimer

  Suggestions
 

Adopting Family Resources  is a free service courtesy of 

Adopting

    We love the people
NotJustWebsites.com
who created our site   
 

 

 

Adopting Family Resources

Adopting Family Adoption Choices Adopting Family Adoption Help Adopting Family Adoption Laws
Adopting Family Adoption Rights Adopting Family Financial Help Adopting Family Resources
Adopting Family Special Adoptions Adopting Family Adoption Issues