Most health insurance policies offer basic coverage to adopted children as with that of “natural” children. Some insurance carriers won’t provide coverage for a child until he moved to the adoptive home. In cases like this, Medicaid and other government health programs covers? the health insurance needs of the adopted child in the meantime. However, there are problems and gray areas as to when the child gets coverage: when he is placed for adoption or when he moves in the house of the adopted parents. Federal law usually protects adopted children against discrimination in health insurance policies? They must provide the same coverage to adopted children which shall begin when children are placed for adoption.” You can check with your state government to know eisting rules regarding this. If you are adopting a child with special needs, you can check with your agent or your company to know if he or she will be covered and to know what is included in such coverage?. If you will get health insurance policies when the adoption process has been finalized--and the children have moved in with you--you must remember that they should have the same coverage as with the “natural children.” Legally, the adopted child has the same rights as any biological child. - June 26, 2009 @ 3:06 pm