State RegulationsAZ specificDifficulty 2/5
A health policy delivered in Scottsdale limits the hospital stay after a normal vaginal delivery to a period shorter than the Arizona statutory minimum. Under A.R.S. 20-1342(B), is the restriction enforceable?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under A.R.S. 20-1342(B), a health policy may not restrict hospital stays after a normal vaginal delivery to less than 48 hours, so the Scottsdale policy's shorter limit is unenforceable. The statutory floor overrides whatever shorter period the contract attempts to impose on the insured.
Why the other options are wrong
- B) Disclosure does not cure a restriction the statute expressly forbids.
- C) A waiver at application does not authorize a stay shorter than the statutory minimum.
- D) 96 hours is the cesarean minimum; a normal vaginal delivery requires 48 hours, not 96.
Memory hook
The 48-hour floor beats the fine print.