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I too misunderstood. If you took placement on the day you leave the hospital - then your insurance is under law (federal I believe so all state) to cover that child since THAT is the day that placement is considered, not the 10 days. Someone correct me if I'm wrong, but in our case our insurance only needed the placement papers, not the TPR.
Our did cover the baby the day we took him home from the hospital (awww I got a big squishy feeling remembering that).
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