Under an accident and health plan, coverage for newborns must include coverage for which condition?

• A. Vision coverage
• B. Birth abnormalities
• C. Dental coverage
• D. Routine immunizations

Answer: (B)

Newborn coverage in an accident and health plan is designed to ensure immediate medical care for conditions present at birth. Birth abnormalities (congenital defects) are considered essential to cover because they may require diagnostic tests, treatment, or surgery right after birth. This protects the infant’s access to necessary care without delays or coverage gaps.

Vision and dental benefits for newborns are typically separate or not universally required as part of core newborn coverage, and routine immunizations, while important and often covered, are not the specific condition referenced here. The guaranteed coverage for birth abnormalities reflects the obligation to address congenital conditions promptly and comprehensively.