We received the following e-mail from our case worker regarding health insurance for the Child of Promise..........
Many families have questions regarding medical/health insurance coverage and the adopted child. During the formal application process, all families are asked to have their employer (HR representative or health care carrier) sign the "Affidavit of Health Insurance Coverage" form. This is your verification that your employer/health care carrier will cover the adopted child.
When considering China's children with special needs ("Children of Promise"), it would behoove families to verify with their particular health insurance carriers what is considered "pre-identified" and what exactly is (and in some cases, is not) covered.
In most cases, medical or health insurance coverage by law, begins at physical placement. The moment your child is physically placed in your arms, your health insurance begins to cover your child, whether the adoption has been finalized or not. For example, in China, if you receive your child on a Tuesday, the adoption registration and finalization is on Wednesday, and you arrive back in the U.S. the following Monday (your child becomes a U.S. citizen the moment the plane lands on U.S. soil), her/his health insurance coverage began on Monday, the day you physically received her.
If you have difficulties adding your adopted child to your health insurance coverage plan, contact your social worker. Your social worker will be able to compose a letter explaining the lawful requirements for adopted children. Most health insurance carriers are typically informed, but there may be some that are not familiar with internationally adopted children. This may be your opportunity to help educate them, which can benefit other adoptive families down the road! Other times, you may need to involve your Congress person or contact your State Insurance Commissioner. Nonetheless, what is most important is that your adopted child be treated equally to a biological child, even when it comes to health care coverage.
Please see the following articles about this topic:
http://www.adopting.org/adoptions/health-insurance-for-adopted-children.html
http://www.law.cornell.edu/wex/index.php/Adoption
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