Do i have to do this! important!!!?

the insurance company has terms in the insurance contract which may mean that a grandchild is not covered. to find out, you need the policy number and call the insurance company. However, they might not talk to you, so you would need to have your Mom on a conference call to get them to reveal the information to you. the other way would get a copy of the policy and have a lawyer or someone good at reading contracts to show you the restrictions on which family members are covered. If you are covered, then if she adopted the baby it could be added to the policy.