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Some useful information about insurances, policies and programs:

The technical definition of indemnity means to make whole again. There are two types of insurance contracts; 1) an indemnity policy and 2) a pay on behalf or on behalf of 3 policy. The difference is significant on paper, but rarely material in practice.

Under U.S. law, newborns, adopted children, and children placed for adoption are automatically covered under the parents’ fully insured health plan for the first 31 days, if the plan covers dependents. The insurer may require that the parent enroll the child within the 31 days in order to continue coverage beyond the 31 days.



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