When does coverage become effective for adoptive parents under Indiana law?

Coverage for adoptive parents under Indiana law becomes effective on the date of placement or the date of custody order. This means that once the adoptive parents have taken custody of the child, or the court has issued an order granting guardianship, they are eligible for insurance coverage. This provision is important as it recognizes the adoption process's practicalities, allowing families to access health care services for their newly placed children without delay.

While it's crucial for adoptive parents to finalize the legal aspects of adoption in court, this may not always align with the immediate accessibility of insurance coverage needed for the child's welfare. The focus on the placement or custody order acknowledges that the child's well-being is a priority during the transition period, making sure that adoptive parents have the necessary support when they bring their child into their home.