Question 71

Reducing benefits for a newborn child under an Accident and Health plan is prohibited in any form.

In Utah, any form of reduction in benefits for a newborn child under an Accident and Health plan is not allowed. This means that all necessary medical care and benefits must be provided without limitation or reduction.

A) Permitted with regard to cosmetic defects only

This option is incorrect as it suggests that certain reductions in benefits are allowed, specifically for cosmetic defects. However, Utah law prohibits any reductions in benefits for newborns, including those related to cosmetic issues.

B) Permitted for prescription drug benefits only

This choice is also incorrect since it implies that benefits for prescription drugs can be reduced for newborns. Under Utah law, there are no allowances for reducing benefits in any area for newborns, including prescription drugs.

C) Prohibited in any form

This option is correct as it accurately states that in Utah, it is illegal to reduce benefits for newborn children under an Accident and Health plan. This ensures that newborns receive full coverage for necessary medical services without prejudice.

D) Allowed for the first 10 days following birth

This option is incorrect because it suggests a temporary allowance for benefit reductions during the first 10 days after birth. In reality, Utah law mandates that all benefits for newborns remain intact, with no waiting period or limitations.

Conclusion

The correct answer is option C, as it clearly states that reductions in benefits for newborns are prohibited in any form under Utah law. All other options incorrectly suggest that some form of reduction is permissible, which contradicts the legal protections afforded to newborns in health insurance coverage.