State RegulationsNY specificDifficulty 2/5
An unmarried dependent daughter is covered under her parents' New York hospital, medical and surgical expense policy. Until what age may she remain covered?
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 C is correct
Under N.Y. Ins. Law §3216(a)(4), dependent coverage under hospital, medical, surgical and prescription drug policies must continue for an unmarried child through age 26, and group policies follow the same continuation rule under N.Y. Ins. Law §4235(f)(1)(2). The younger figures belong to other tiers, and 29 is an optional extension, not the statutory limit for this coverage.
Why the other options are wrong
- A) 19 is the base dependent age for other types of coverage, not the hospital/medical/surgical tier.
- B) 23 is the continuation age tied to full-time student status, not this tier.
- D) 29 is the optional young-adult extension the insurer must offer, not the statutory limit.
Memory hook
Hospital, medical, surgical: dependents ride to 26.