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The bottom line is that health insurance is intended to pay for medical treatment for you and your covered dependents. Period. Asking them to pay for adoption would be equivalent to asking your dental insurance to pay for eye surgery.
And with costs and premiums skyrocketing, paying for adoption is out of the question. You'd have a much better shot at getting an employer to offer adoption benefits from the company, which many already do.
When we adopted back in 1991, we got nothing -- nada. No adoption benefits from our employers (mine started them a year later), no tax credit (it wasn't passed until after that). We paid cash and we had to pay it all within the 40 days the adoption took.
I tease my son and tell him I got him with my bonus check -- and I did use it to pay the lawyer's initial fee.
Robin
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