Which statement best compares coverage for an adopted child with coverage for a natural-born child under Virginia's dependent-coverage mandates?
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Va. Code § 38.2-3411.2 extends dependent coverage to adopted children on the same footing as natural-born children, with the coverage obligation tied to placement for adoption rather than to the finalization of the decree. The insurer cannot demand separate underwriting, treat the adoption as a fresh preexisting-condition event, or condition the child's coverage on the family's other children. For producers, the practical rule is that an adopted child enters the plan's dependent coverage just as a newborn does, anchored to the placement, under the eligibility mandates supervised by the Virginia Bureau of Insurance.
Why the other options are wrong
- B) Requiring individual underwriting for an adopted child contradicts Va. Code § 38.2-3411.2, which treats adoption like birth for dependent-coverage purposes.
- C) The adopted-child mandate contains no exception for families who already have natural children; coverage turns on the placement, not family composition.
- D) The adopted-child rule applies to dependent coverage generally; it is not limited to plans sold under the small employer provisions of Va. Code § 38.2-3431.
Memory hook
Adoption counts like birth — coverage from placement, same as a newborn.