The amended ERISA Act of 1993 requires that any group health plan providing coverage for dependent children must provide benefits for an adopted child under the same terms and conditions that apply to a biological child of a plan participant.  

Also there are several organizations that can help with or even completely pay for your insurance co-pays for the prescriptions an HIV+ child takes. 

• ADAP - AIDS Drug Assistance Programs
• Ryan White Foundation

Also at FromHIVtoHome you can find a State Fact Sheet for your state with information on funding resources for HIV+ care, health insurance requirements for adopted children, clinics for pediatric HIV+ patients, and other resources that will be valuable to those researching and completing HIV adoptions.

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