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Qualified Medical Child Support Order Procedures

What Qualified Medical Child Support Order ("QMCSO") Procedures are required?
A QMCSO is a special type of order that requires a group health plan to provide benefits to children. Federal law requires that a group health plan have written QMCSO Procedures and comply with a QMSCO. It is each Plan's responsibility to have such written procedures. See the sample QMCSO Procedures. This section does not address all the issues that a Plan may face regarding QMCSO administration. We suggest that the Bank consult its own counsel regarding this matter.

How does a Plan adopt QMCSO Procedures?
The Plan Administrator (typically, the Plan Sponsor) should execute resolutions and the QMCSO Procedures on behalf of the Plan.

What should a Bank do if it receives a QMCSO?
The Bank should promptly follow the steps outlined in its QMCSO Procedures, including providing timely notice and review of the order. The Bank also should notify EBC who will notify the affected insurer and verify coverages with the insurers. Note that the obligations for covering children may vary depending on the facts of a particular situation. We suggest that a Bank consult with its counsel if an order is received.

Does a Bank Plan have to offer coverage if dependent coverage is not available without a QMCSO?
No.
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