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Might the baby’s or birth mother’s prenatal or hospital expenses be covered by insurance?

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Might the baby’s or birth mother’s prenatal or hospital expenses be covered by insurance?

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Possibly. You should consider the following sources in determining whether or not the baby and/or birth mother will be covered by some form of insurance, including: • the birth mother’s insurance if she is employed; • the birth mother’s parents’ insurance if the birth mother is a minor or a student; • the birth mother’s Aid to Dependent Children (ADC) coverage, if the birth mother is indigent; • the child’s ADC coverage, if applicable (if the child is the ward of an agency and adoption is “targeted”); • the birth mother’s Healthy Start coverage, if the birth mother’s income is low; • your own health insurance, if your employer is covered by the Section 609 of the Employee Retirement Income Security Act (ERISA); • your employer’s benefit programs, if they have adoption benefits; • your 401K plan. We think our insurance policy covers adopted children, but what about coverage for medical expenses before the adoption is finalized? Most insurance policies provide coverage that goes into eff

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