What is the date an adopted child must be covered?

[jkharvey]

If a health insurance plan is not part of an employer's group plan (for example a self-employed individual's health insurance policy) is it a requirement that adopted children be covered under the policy effective as of the date of adoption? If so, what is the cite? If not, what is the cite?

[Theresa Lynn]

Since the policy is not an ERISA-covered plan, seems like you would look at the state insurance laws to determine what the policy must provide.