Does a group health insurer have to cover an adopted child with a pre-existing condition?
A group health plan that provides coverage for a family member of the employee shall provide that benefits applicable to children of the employee also apply to an adopted child, from the moment of placement in the residence of the employee or moment of birth, if a written agreement to adopt such child has been entered into prior to the birth of the child. The policy may not exclude coverage for any pre-existing condition of the child. Additional premium can be charged for the addition of an adopted child to a group health plan, if the plan charges an additional premium for each family member. Reference: Florida Statute 627.6578, and 627.
