A. If a group health plan provides coverage for the dependent children of participants or beneficiaries under the plan, the plan shall provide benefits to any dependent children who are placed with the participants or beneficiaries for adoption under the same terms and conditions that apply to the natural dependent children of the participants and beneficiaries, regardless of whether the adoption has become final.
B. Restrictions that are based on preexisting conditions at the time of placement for adoption are prohibited. A group health plan may not restrict the coverage under the plan of any dependent child who is adopted by a participant or beneficiary or who is placed with a participant or beneficiary for adoption solely on the basis of a preexisting condition of the child at the time that the child would otherwise become eligible for coverage under the plan if the adoption or placement for adoption occurs while the participant or beneficiary is eligible for coverage under the plan.
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