Question 71

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

In Utah, any reduction of benefits for a newborn child under an Accident and Health plan is strictly prohibited. This ensures that newborns receive the necessary healthcare coverage without limitations based on their birth conditions.

A) Permitted with regard to cosmetic defects only

This option is incorrect because Utah law does not allow for any reduction in benefits for newborns, including those related to cosmetic defects. All healthcare needs of a newborn must be fully covered.

B) Permitted for prescription drug benefits only

This option is also incorrect as it suggests that only prescription drug benefits can be reduced for newborns. However, under Utah law, there can be no reductions in any form of coverage for newborns, including prescription drugs.

C) Prohibited in any form

This option is correct because Utah law explicitly prohibits any reductions in benefits for newborn children under an Accident and Health plan. This protection is vital to ensure that all necessary medical care is accessible for newborns without restrictions.

D) Allowed for the first 10 days following birth

This option is incorrect since it implies a temporary allowance for reducing benefits, which contradicts the legal requirement in Utah that prohibits any reduction in benefits for newborns. Coverage must be consistent and comprehensive from birth.

Conclusion

The correct answer is that reducing benefits for a newborn child under an Accident and Health plan is prohibited in any form in Utah, as reflected in option C. All other options fail to align with the legal protections afforded to newborns, which mandate full coverage without exceptions or limitations.