State RegulationsNY specificDifficulty 1/5
A New York individual health policy defines dependent children by reference to a limiting age. Under N.Y. Ins. Law §3216(a)(4), what is the base limiting age for dependent child coverage?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under N.Y. Ins. Law §3216(a)(4), the base limiting age for dependent child coverage in New York is 19, after which the child ordinarily ceases to be a covered dependent. The statute then layers extensions on that base: 23 for an unmarried full-time student, an optional extension to 25, mandatory continuation to 26 for hospital, medical, surgical, and prescription expense coverage, and New York's optional young-adult option reaching 29. Examination items usually hinge on distinguishing these tiers.
Why the other options are wrong
- B) 23 is the extended limiting age for an unmarried dependent child who is a full-time student, not the base age.
- C) 25 is an optional extension age, not the base limiting age the statute sets.
- D) 29 is New York's optional young-adult extension for an unmarried child living with a parent or financially dependent, not the base age.
Memory hook
Ages stack like stairs: 19 base, 23 student, 25 optional, 26 statutory medical, 29 young adult.