What must a policyowner do to activate coverage for a newborn under a group health plan?

To activate coverage for a newborn under a group health plan, no action is required from the policyowner, as coverage for newborns is typically automatic. In most group health insurance plans, a newborn is covered from the moment of birth, which is an essential provision designed to ensure that infants receive immediate health care. This automatic coverage applies as long as the parent is enrolled in the health plan, providing continuity of care for the newborn without the need for additional paperwork or payments.

Policies automatically extend coverage to newborns without requiring a waiting period or specific enrollment action. This is beneficial in situations where timely medical attention is critical for newborns. Other options, such as submitting additional paperwork, making a lump-sum payment, or waiting for open enrollment, do not reflect the standard practices regarding newborn coverage in group health insurance.