Our son was 13 months old when we brought him home from Russia. We had him assessed by Early Intervention which determined that he needed speech, developmental, behavioral and occupational therapies. Early Intervention billed our insurance company which picked up most of the costs except for developmental therapy. What wasn’t covered by insurance, was picked up by the monthly flat fee that EI charged us. That being said, I would guess that insurance plans differ. We are very lucky; my husband’s company has excellent insurance.
To directly answer your question, yes, our insurance company treated our son as if we had just given birth.
One word of warning, I would notify the insurance company before you travel to India. My husband’s insurance required us to provide certain documentation within a certain amount of time upon arriving home so that we could immediately put our son on the policy. You don’t want to blow that deadline….it is usually short.