[JustCourtney]

Our insurance company "couldn't" give us an answer when we asked when coverage for the child we planned to adopt would begin. They basically refused to give us an answer either way. Our agency informed us that our state mandated that it be retroactive to birth, and that if our insurance company fought us (as many apparently do), to tell them that they would be hearing from our lawyer. Our lawyer also offer to call for us when we first met with her. In the end, we only had to tell them that we knew the law, and ask for a card to be issued. It is a shame that you have to bully people in to doing not only the right thing, but what is mandated by law! Yikes!