Scenario: A consumer had a child last month. Select the correct coverage effective date following plan selection.

Scenario: A consumer had a child last month. Select the correct coverage effective date following plan selection.

• A. First day of the next month
• B. Retroactive to when the child was born
• C. Immediately
• D. After 30 days

Answer: (B)

Newborns have special enrollment treatment: if you add the child to the plan within the allowed period after birth, the coverage is retroactive to the date of birth. This ensures care from birth is covered and there’s no gap in coverage. If enrollment is completed outside that window, the effective date would be later, but when done within the allowed period, the start date is the birth date.

Newborns have special enrollment treatment: if you add the child to the plan within the allowed period after birth, the coverage is retroactive to the date of birth. This ensures care from birth is covered and there’s no gap in coverage. If enrollment is completed outside that window, the effective date would be later, but when done within the allowed period, the start date is the birth date.