Under A.R.S. 20-1342, what is the minimum hospital stay that an Arizona accident and health policy may allow following a normal vaginal delivery?

Why B is correct

A.R.S. 20-1342 prohibits restricting hospital stays to less than 48 hours following a normal vaginal delivery. Arizona carriers may not write shorter minimums into their maternity benefits, and the 96-hour figure in the same statute belongs to cesarean deliveries — candidates who swap the two thresholds miss the question.

Why the other options are wrong

• A) Same-day discharge at the insurer's discretion is exactly what A.R.S. 20-1342 forbids; the 48-hour floor for vaginal deliveries cannot be shortened.
• C) Ninety-six hours is the cesarean-section minimum under A.R.S. 20-1342, not the minimum for a normal vaginal delivery.
• D) No 90-hour standard exists in A.R.S. 20-1342; the vaginal-delivery floor is 48 hours.

Memory hook

Vaginal means 48 — the doubled figure is for the surgical delivery.

Why B is correct

A.R.S. 20-1342(B) provides that hospital stays following a normal vaginal delivery may not be restricted to less than 48 hours. Any Arizona health policy or insurer practice limiting the mother's stay below that floor would conflict with the statute and be unenforceable.

Why the other options are wrong

• A) Arizona law sets an express minimum stay, so no-minimum is incorrect.
• C) 96 hours is the minimum after a cesarean section, not a normal vaginal delivery.
• D) 31 days is the health grace period for infrequent premium modes under A.R.S. 20-1347, not a maternity stay.

Memory hook

Normal delivery: two full days.