If an insured legally adopts a baby, maternity coverage for the child's birth is covered if the adoption occurs within how many months of birth?

Under Arizona insurance laws, when an insured legally adopts a baby, maternity coverage for the child’s birth is extended if the adoption occurs within 12 months of the child's birth. This provision acknowledges the close connection between the adoption process and the childbirth period, allowing adoptive parents to have coverage that aligns with the time frame in which the child would have been born to them biologically.

Specifically, the 12-month window reflects an understanding that many families may not immediately adopt the child at birth, yet still consider themselves as full parents who are entitled to the same benefits that biological parents receive under their insurance policies. This ensures that the adoptive parents are not disadvantaged in terms of coverage when bringing a new child into their family, supporting both the well-being of the child and the parents.

The other options do not fit within the established guidelines, as shorter time frames may not adequately accommodate all adoption scenarios, and extending beyond 12 months may not be supported within the context of these laws.