Final answer:
Coverage for newborns under an HMO contract typically begins at the moment of birth, ensuring healthcare is available from day one, with specific terms varying by plan.
Step-by-step explanation:
Under an HMO contract, coverage for newborns typically begins at the moment of birth. This means that healthcare coverage is available to the newborns as soon as they are born, provided that the HMO policy is in effect and the parent has followed the necessary steps to enroll their child in the plan within the stipulated timeframe after birth. HMO plans are designed to provide comprehensive coverage starting from day one, including necessary adjustments and healthcare that a neonate requires during the critical early stages of development. It's essential to review the terms of the specific HMO as they can vary slightly in their regulations and enrollment timeframes.