Whether the child you are adopting has health problems that can be corrected with proper treatment, or has a medical condition that will require ongoing care, you may be concerned that your health insurance provider will refuse to cover your child because of his pre-existing condition. In general in Colorado, you may add your child to your health insurance plan within 30 days of either the adoption or the placement for adoption regardless of pre-existing conditions.

Check with your health insurance provider, though, to make sure that the treatment the child will require is covered under your policy. If the provider does not normally cover the treatment for you or your naturally born children, it will not cover that treatment for your adopted child. Check with your carrier for their procedure to add an adopted child. If your child is hospitalized when you legally adopt him, call right away to ensure that all medical claims are paid.