Okla. Stat. tit. 36, § 36-6059: Adopted children - Coverage

A. All individual and group health insurance policies providing

coverage on an expense incurred, fixed, or capitated basis, and all

individual and group insurance policies, certificates, service or

indemnity type contracts issued by insurance companies, health

maintenance organizations, nonprofit corporations, charitable and

benevolent corporations established for the purposes of operating a

nonprofit hospital service or indemnity plan and/or a nonprofit

medical or indemnity, fixed, or capitated plan, and all self-

insurers which provide coverage for a family member of the insured

or subscriber shall, as to such family member's coverage, also

provide that the health insurance benefits applicable for any

natural child of the insured or subscriber shall be payable with

respect to any adopted child of the insured or subscriber from the

date of placement of the child in the custody of the insured or

subscriber, provided the insurer is notified within thirty-one (31)

days in writing. Coverage shall include the necessary care and

treatment of medical conditions existing prior to the date of

placement of the child in the custody of the insured or subscriber.

Nothing in this section shall be construed to require coverage of

costs incurred for such medical conditions prior to the date of

placement of the child in the custody of the insured or subscriber.

B. Subject to the terms and conditions of the policy, contract

or agreement, coverage shall also include the actual and documented

medical costs associated with the birth of an adopted child who is

eighteen (18) months of age or younger. If requested, the insured

shall provide copies of medical bills and records associated with

the birth of the adopted child and proof that the insured paid or is

responsible for payment of the medical bills associated with the

birth and that the cost of the birth was not covered by another

health care plan including Medicaid. Any reference to the name of

the natural parents of the adopted child shall be deleted from the

records so provided. The coverage required by this subsection shall

be subject to the same annual deductibles and coinsurance as may be

deemed appropriate and as are consistent with those established for

other covered benefits. The coverage shall also be subject to the

terms of the insurers contract, if any, with hospitals and

physicians.

C. As used in this section, "placement" means the assumption by

the insured or subscriber of the physical custody of the adopted

child and the financial responsibility for the support and care of

the adopted child.

D. For purposes of this section, a child who is in the custody

of the insured, pursuant to an interlocutory decree issued under

Section 7505-6.1 of Title 10 of the Oklahoma Statutes vesting

temporary care of the child in the insured, is an adopted child

during the pendency of the adoption proceeding, regardless of

whether a final decree of adoption is ultimately issued.