If a major medical plan covers William and his family, what is the coverage status for child Bess when she is born?

Study for the Alabama Life and Health Insurance State Exam. Prepare with flashcards and multiple-choice questions, each question offers hints and explanations. Build your confidence for success!

When a major medical plan is in place, the coverage status for a newborn child is typically automatic. This means that when Bess is born, she is covered from the moment of her birth under the existing family plan. This automatic coverage for newborns is a standard provision in health insurance policies, designed to ensure that infants receive immediate medical care if needed.

The rationale behind this is that health insurance plans recognize the necessity for immediate coverage for newborns, as they may require medical attention right after birth. Therefore, it is a common practice that qualifying health plans automatically cover newborns without requiring a waiting period or a separate enrollment process.

This policy helps ensure that families do not face gaps in coverage during such a critical time as childbirth. In short, Bess is covered from the moment of birth, as stipulated by major medical plans.

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