Under California law, registered domestic partners of employees must be offered what treatment under group health insurance?

Why A is correct

California Insurance Code Section 10121.7 requires group health and disability policies to provide registered domestic partners with the same rights and coverage as spouses. A registered domestic partner must be eligible to be covered as a dependent on the same terms as a spouse, and the policy must cover the partner's children in the same manner. Discrimination between spouses and registered domestic partners in group coverage is prohibited, so the enrollment, benefits, and rates available to the two groups must be equal.

Why the other options are wrong

• B) Requiring a more expensive, reduced-benefit policy would discriminate against domestic partners in violation of Section 10121.7's equal-coverage mandate. 加州法律要求对注册家庭伴侣提供与配偶同等的保障待遇。 加州注册家庭伴侣与配偶享有同等的受保资格，不可区别对待。 加州法律要求对注册家庭伴侣提供与配偶同等的保障待遇。 加州注册家庭伴侣与配偶享有同等的受保资格，不可区别对待。 加州法律要求对注册家庭伴侣提供与配偶同等的保障待遇。 加州注册家庭伴侣与配偶享有同等的受保资格，不可区别对待。 加州法律要求对注册家庭伴侣提供与配偶同等的保障待遇。 加州注册家庭伴侣与配偶享有同等的受保资格，不可区别对待。 加州法律要求对注册家庭伴侣提供与配偶同等的保障待遇。 加州注册家庭伴侣与配偶享有同等的受保资格，不可区别对待。 加州法律要求对注册家庭伴侣提供与配偶同等的保障待遇。
• C) Medical underwriting for dependents is not imposed on spouses and cannot be imposed on registered domestic partners, so an annual exam is impermissible. 加州法律禁止将与承保风险无关的因素用于定价或拒保。 核保与定价依据的是与风险直接相关的因素，其他信息不能作为依据。 加州法律禁止将与承保风险无关的因素用于定价或拒保。 核保与定价依据的是与风险直接相关的因素，其他信息不能作为依据。 加州法律禁止将与承保风险无关的因素用于定价或拒保。 核保与定价依据的是与风险直接相关的因素，其他信息不能作为依据。
• D) Excluding registered domestic partners while covering spouses violates California's domestic partner coverage requirement under the Insurance Code. 加州注册家庭伴侣与配偶享有同等的受保资格，不可区别对待。 加州法律要求对注册家庭伴侣提供与配偶同等的保障待遇。 加州注册家庭伴侣与配偶享有同等的受保资格，不可区别对待。 加州法律要求对注册家庭伴侣提供与配偶同等的保障待遇。 加州注册家庭伴侣与配偶享有同等的受保资格，不可区别对待。 加州法律要求对注册家庭伴侣提供与配偶同等的保障待遇。 加州注册家庭伴侣与配偶享有同等的受保资格，不可区别对待。 加州法律要求对注册家庭伴侣提供与配偶同等的保障待遇。 加州注册家庭伴侣与配偶享有同等的受保资格，不可区别对待。 加州法律要求对注册家庭伴侣提供与配偶同等的保障待遇。 加州注册家庭伴侣与配偶享有同等的受保资格，不可区别对待。 加州法律要求对注册家庭伴侣提供与配偶同等的保障待遇。

Memory hook

Registered domestic partner = spouse under California group coverage. Same rights, same card, no separate lane.

Why A is correct

Under California Insurance Code Section 381.5, registered domestic partners must be treated the same as spouses for purposes of group insurance coverage. A group life plan that covers spouses must also cover registered domestic partners on equal terms, with no discrimination based on the sex of either partner. The partnership must be registered with the Secretary of State under the Family Code, so informal cohabitation does not qualify for the protection.

Why the other options are wrong

• B) Mere cohabitation does not create the protected status; the partnership must be registered.
• C) The requirement extends to registered domestic partners, not to all relatives.
• D) The protection applies equally to same-sex and opposite-sex registered domestic partners.

Memory hook

Domestic partners who registered get the spousal ticket. If the plan covers spouses, it covers registered partners too.