Which scenario results in a retroactive coverage date?

Which scenario results in a retroactive coverage date?

• A. Moving to a new state
• B. Having a child
• C. Moving within the same state
• D. Open Enrollment ends

Answer: (B)

Having a child creates a newborn dependent, and adding that child through a Special Enrollment Period lets coverage start on the date of birth. If you enroll within the allowed window (typically within a limited time after birth), the plan backdates to the birth date so the newborn is covered from birth. Moving to a new state or moving within the same state affects enrollment timing but does not backdate to the birth date, and Open Enrollment ends is simply the annual window, not a retroactive coverage event. So, having a child is the scenario that results in a retroactive coverage date.

Having a child creates a newborn dependent, and adding that child through a Special Enrollment Period lets coverage start on the date of birth. If you enroll within the allowed window (typically within a limited time after birth), the plan backdates to the birth date so the newborn is covered from birth. Moving to a new state or moving within the same state affects enrollment timing but does not backdate to the birth date, and Open Enrollment ends is simply the annual window, not a retroactive coverage event. So, having a child is the scenario that results in a retroactive coverage date.