RSA 415:22 · Newborn Children

415:22 Newborn Children. –

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I.

All individual and group health insurance policies providing coverage on a provision of service or an expense incurred basis shall also provide as a covered benefit under the policy coverage for the health insurance benefits for a newly born child of the insured or subscriber or a newly born child of a dependent child of the insured or subscriber from the moment of birth. The policy of the birth mother shall always be primary, and benefits paid for the newly born child shall not be subject to any additional cost sharing. Services for the newly born child shall only be covered under the policy of the other parent in the event the birth mother does not have health insurance or coverage for the newly born child under an employer-sponsored health plan.

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II.

Coverage for newly born children shall be the same as provided by the policy for other covered persons including the necessary care and treatment of medically diagnosed congenital defects and birth abnormalities.

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III.

If payment of a specific premium or subscription fee is required to provide coverage for a child, the policy or contract may require that notification of birth of a newly born child and payment of the required premium or fee must be furnished to the insurer or nonprofit service or indemnity corporation within 31 days after the date of birth in order to have the coverage continue beyond such 31-day period. No additional premium shall be collected for coverage of the newborn child for the first 31 days. Unless the policy or contract specifically provides that grandchildren of the insured or subscriber are eligible for coverage, coverage for newly born children of a dependent child of the insured or subscriber shall not continue beyond the initial 31-day period following birth. Nor shall such newly born children be considered dependents of the insured for any purpose addressed in this title.

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IV.

This section applies to all insurance policies and subscriber contracts delivered or issued for delivery in this state including those in force as of July 5, 1975. Source. 1975, 110:1. 1994, 166:7. 1996, 188:5, 6. 1997, 190:8, eff. Jan. 1, 1998. 2025, 218:1, eff. Jan. 1, 2026.

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