Arizona Health Insurance Practice Exam

If an insured legally adopts a baby within how many months of birth, is the maternity coverage for the child's birth covered?

1. 6 months

2. 9 months

3. 12 months

4. 24 months

The correct answer is: 12 months

When determining maternity coverage for a legally adopted baby, the policy typically stipulates a specific timeframe within which the adoption must occur in relation to the child's birth for the coverage to apply. In this context, if an insured adopts a baby within 12 months of the child's birth, the maternity coverage is activated. This policy is designed to ensure that there is a connection between the adoption and the maternity benefits, recognizing the unique circumstances surrounding adoption. The provision of coverage within this 12-month window is significant as it mirrors maternity benefits for children who are biologically born to the insured, reinforcing the idea that the transition into parenthood—whether through birth or adoption—holds equal value in terms of health coverage.