Q: Does my step daughter have to change her name to receive health insurance benefits?
A: This sounds highly suspect. Husbands and wives with different last names can share an insurance policy. Parents often insure step children with different last names. Parents can insure their children who change their last name in marriage (assuming the other requirements are met). I know these do not match your exact situation, but they certainly cast doubt upon her statements. Perhaps you should ask to talk to the insurance company or to see the documents she was sent with that requirement.
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