State RegulationsMI specificDifficulty 1/5
Under a Michigan accident and health policy that provides dependent coverage, a newborn child is covered starting when?
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 B is correct
M.C.L. 500.3403 requires Michigan newborn coverage from the moment of birth, including coverage for medically diagnosed congenital defects and birth abnormalities. The Michigan Department of Insurance and Financial Services (DIFS) enforces the mandate, so a coverage gap cannot be created by delaying the paperwork.
Why the other options are wrong
- A) 31 days is the disabled-dependent proof window under M.C.L. 500.2264, not a newborn waiting period.
- C) Insurer approval of an enrollment form cannot postpone the moment-of-birth coverage required by M.C.L. 500.3403.
- D) Coverage does not wait for the next premium date — the Michigan statute attaches coverage at birth.
Memory hook
Birth itself flips the switch — Michigan covers newborns from second one.