This is a test of commonsense with single/multi-choices. Complete the next sentence:

How to add an adopted child to an insurance policy
Review your policy to confirm eligibility.
If you already have a family plan, you can add your adopted child. However, if you have an individual plan, you'll need to upgrade to a family plan before you can add your adopted child.

a). Before adding your adopted child, take time to research your existing plans. Your new plan should contain information regarding setting up your adopted child, who will own and manage the home, and any insurance costs you will pay for the family policy. b). Health insurance companies have additional deadlines for changing your plan so that you can add a child. If you need to change your coverage type, this must be done well in advance of the date you plan to add the child. c). The plan will cover all expenses you charge for the child until the child reaches age 50. However, if you have to give an individual plan a chance to pass, you may be able to transfer the existing plan to your adopted child at a later date. d). Contacting an insurance agency may save you a significant amount of time and money. Talk to the insurance agent or the person you might add to the plan.
The answer is:
b).