HRS §431:10A-115
Health coverage for newborn babies
This law says that family health insurance policies must cover newborn babies from the moment they are born, but only for care of birth defects or abnormalities. If the policy requires a premium for a child, you must tell the insurer and pay within 31 days of birth to keep coverage. It does not cover routine well-baby care.
borrowers
The statute, as written — Coverage of newborn children
(a) All policies providing family coverage, as defined in section 431:10A-103 and reciprocal beneficiary family coverage, as defined in section 431:10A-601, on an expense incurred basis shall provide that the benefits applicable for children shall be payable for newborn infants from the moment of birth; provided that the coverage for newly born children shall be limited to the necessary care and treatment of medically diagnosed congenital defects and birth abnormalities. If payment of a specific premium is required to provide coverage for a child, the policy may require that notification of birth and payment of the required premium must be furnished the insurer within thirty-one days after the date of birth in order to have the coverage continue beyond the thirty-one-day period. (b) This section shall not be construed to provide or include coverages for routine well-baby services. The requirements of this section shall apply to all policies delivered or issued for delivery in this State more than one hundred twenty days after June 12, 1974.
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