reglab/housing_qa huggingface dataset:
AL Code § 27-19A-1 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19A - Dental Care Services.|Section 27-19A-1 - Scope of Chapter.

Section 27-19A-1Scope of chapter. This chapter shall apply to health insurance and employee benefit plans providing for dental care services. (Acts 1984, No. 84-411, p. 960, §1.)
AL Code § 27-19A-2 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19A - Dental Care Services.|Section 27-19A-2 - Definitions.

Section 27-19A-2Definitions. As used in this chapter, the following terms shall have the respective meanings herein set forth, unless the context shall otherwise require: (1) ALABAMA INSURANCE CODE. Title 27 of the Code of Alabama 1975. (2) INSURER. Such term shall have the meaning ascribed in Section 27-1-2. (3) PERSON. Such term shall have the meaning ascribed in Section 27-1-2. (4) COMMISSIONER and DEPARTMENT. Such terms, respectively, shall have the meanings ascribed in Section 27-1-2. (5) CONTRACTUAL OBLIGATION. Any obligation under covered policies or employee benefit plans. (6) COVERED POLICY OR PLAN. Any policy, employee benefit plan, or contract within the scope of this chapter. (7) HEALTH INSURANCE POLICY. Any individual, group, blanket, or franchise insurance policy, insurance agreement, or group hospital service contract providing benefits for dental care expenses incurred as a result of an accident or sickness. (8) EMPLOYEE BENEFIT PLAN. Any plan, fund, or program heretofore or hereafter established or maintained by an employer or by an employee organization, or by both, to the extent that such plan, fund, or program was established or is maintained for the purpose of providing for its participants or their beneficiaries, through the purchase of insurance or otherwise, dental care benefits in the event of accident or sickness. (9) DENTAL CARE SERVICES. Any services furnished to any person for the purpose of preventing, alleviating, curing, or healing human dental illness or injury. (10) DENTIST. Any person who furnishes dental care services and who is licensed as a dentist by the State of Alabama. (Acts 1984, No. 84-411, p. 960, §2.)
AL Code § 27-19A-3 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19A - Dental Care Services.|Section 27-19A-3 - Prohibited Provisions.

Section 27-19A-3Prohibited provisions. No health insurance policy or employee benefit plan which is delivered, renewed, issued for delivery, or otherwise contracted for in this state shall: (1) Prevent any person who is a party to or beneficiary of any such health insurance policy or employee benefit plan from selecting the dentist of his choice to furnish the dental care services offered by said policy or plan or interfere with said selection provided the dentist is licensed to furnish such dental care services in this state; (2) Deny any dentist the right to participate as a contracting provider for such policy or plan provided the dentist is licensed to furnish the dental care services offered by said policy or plan; (3) Authorize any person to regulate, interfere, or intervene in any manner in the diagnosis or treatment rendered by a dentist to his patient for the purpose of preventing, alleviating, curing, or healing dental illness or injury provided said dentist practices within the scope of his license; or (4) Require that any dentist furnishing dental care services must make or obtain dental X rays or any other diagnostic aids for the purpose of preventing, alleviating, curing, or healing dental illness or injury; provided, however, that nothing herein shall prohibit requests for existing dental X rays or any other existing diagnostic aids for the purpose of determining benefits payable under a health insurance policy or employee benefit plan. Nothing herein shall prohibit the predetermination of benefits for dental care expenses prior to treatment by the attending dentist. (Acts 1984, No. 84-411, p. 960, §2.)
AL Code § 27-19A-4 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19A - Dental Care Services.|Section 27-19A-4 - Required Provisions.

Section 27-19A-4Required provisions. Any health insurance policy or employee benefit plan which is delivered, renewed, issued for delivery, or otherwise contracted for in this state shall, to the extent that it provides benefits for dental care expenses: (1) Disclose, if applicable, that the benefit offered is limited to the least costly treatment; (2) Define and explain the standard upon which the payment of benefits or reimbursement for the cost of dental care services is based, such as "usual and customary," "reasonable and customary," "usual, customary, and reasonable," fees or words of similar import or specify in dollars and cents the amount of the payment or reimbursement for dental care services to be provided. Said payment or reimbursement for a noncontracting provider dentist shall be the same as the payment or reimbursement for a contracting provider dentist; provided, however, that the health insurance policy or the employee benefit plan shall not be required to make payment or reimbursement in an amount which is greater than the amount so specified or which is greater than the fee charged by the providing dentist for the dental care services rendered. (Acts 1984, No. 84-411, p. 960, §3.)
AL Code § 27-19A-5 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19A - Dental Care Services.|Section 27-19A-5 - Provisions Contrary to Chapter.

Section 27-19A-5Provisions contrary to chapter. Any provision in a health insurance policy or employee benefit plan which is delivered, renewed, issued for delivery, or otherwise contracted for in this state which is contrary to this chapter shall to the extent of such conflict be void. (Acts 1984, No. 84-411, p. 960, §4.)
AL Code § 27-19A-6 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19A - Dental Care Services.|Section 27-19A-6 - Dental Benefits Not Required.

Section 27-19A-6Dental benefits not required. The provisions of this chapter do not mandate that any type of benefits for dental care expenses be provided by a health insurance policy or an employee benefit plan. (Acts 1984, No. 84-411, p. 960, §5.)
AL Code § 27-19A-7 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19A - Dental Care Services.|Section 27-19A-7 - Contracting Directly With Patient; Distribution of Information About Policy or Plan; Payment and Reimbursement Procedures.

Section 27-19A-7Contracting directly with patient; distribution of information about policy or plan; payment and reimbursement procedures. The provisions of this chapter do not prohibit the following conduct and shall be construed to provide that: (1) A dentist may contract directly with a patient for the furnishing of dental care services to said patient as may be otherwise authorized by law; (2) Any person providing a health insurance policy or employee benefit plan, or an employer, or an employee organization may: a. Make available to its insureds, beneficiaries, participants, employees, or members information relating to dental care services by the distribution of factually accurate information regarding dental care services, rates, fees, location, and hours of service, provided such distribution is made upon the request of any dentist licensed by this state; or b. Establish an administrative mechanism which facilitates payment for dental care services by insureds, beneficiaries, participants, employees, or members to the dentist of their choice; or c. Pay or reimburse, on a nondiscriminatory basis, its insureds, beneficiaries, participants, employees, or members for the cost of dental care services rendered by the dentist of their choice. (Acts 1984, No. 84-411, p. 960, §6.)
AL Code § 27-19A-8 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19A - Dental Care Services.|Section 27-19A-8 - Plans Not in Conformance With Chapter Unlawful.

Section 27-19A-8Plans not in conformance with chapter unlawful. It shall be unlawful for any insurer or any person to provide any health insurance policy or employee benefit plan providing for dental care services that does not conform to the provisions of this chapter. (Acts 1984, No. 84-411, p. 960, §7.)
AL Code § 27-19A-9 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19A - Dental Care Services.|Section 27-19A-9 - Nonconforming Policies and Plans Not to Be Approved by Commissioner.

Section 27-19A-9Nonconforming policies and plans not to be approved by commissioner. The Commissioner of Insurance shall not approve for sale in this state any health insurance policy or employee benefit plan providing for dental care services which does not conform to the provisions of this chapter or to the provisions of Sections 27-14-8 and 27-14-9. (Acts 1984, No. 84-411, p. 960, §8.)
AL Code § 27-19A-10 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19A - Dental Care Services.|Section 27-19A-10 - Duty of Commissioner to Enforce Chapter.

Section 27-19A-10Duty of commissioner to enforce chapter. It shall be the duty and responsibility of the Commissioner of Insurance to enforce the provisions of this chapter. (Acts 1984, No. 84-411, p. 960, §9.)
AL Code § 27-19A-11 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19A - Dental Care Services.|Section 27-19A-11 - Penalty for Violations.

Section 27-19A-11Penalty for violations. Each willful violation of the provisions of this chapter shall be punishable as provided in Section 27-1-12. (Acts 1984, No. 84-411, p. 960, §10.)
AL Code § 27-19A-12 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19A - Dental Care Services.|Section 27-19A-12 - Dental Services - Coverages; Fees; Exceptions.

Section 27-19A-12Dental services - Coverages; fees; exceptions.  (a) As used in this section, the following terms shall have the following meanings: (1) COVERED PERSON. Any individual, family, or family member on whose behalf third-party payment or prepayment of health or medical expenses is provided under an insurance policy, plan, or contract providing for third-party payment or prepayment of health care or medical expenses. (2) COVERED SERVICES. Dental care services for which a reimbursement is available under an enrollee's plan contract, or for which a reimbursement would be available but for the application of contractual limitations such as deductibles, copayments, coinsurance, waiting periods, annual or lifetime maximums, frequency limitations, alternative benefit payments, or any other limitation. (3) DENTAL CARE PROVIDER. A licensed dentist. (4) DENTAL PLAN. Includes any policy of insurance which is issued by a health care service contractor which provides for coverage of dental services not in connection with a medical plan. (5) INSURANCE POLICY, PLAN, OR CONTRACT PROVIDING FOR THIRD-PARTY PAYMENT OR PREPAYMENT OF HEALTH OR MEDICAL EXPENSES. Includes an individual or group policy for accident or health insurance, an individual or group hospital or health care service contract, an individual or group health maintenance organization contract, an organized delivery system contract, a preferred provider organization contract, and any other similar policy, plan, or contract. (b) An insurance policy, plan, or contract providing for third-party payment or prepayment of health or medical expenses issued after January 1, 2016, shall not require a dental care provider to provide service to a covered person at a fee set by the policy or plan unless the services are covered by the policy or plan. (c) Nothing in this section shall be construed as limiting the ability of an insurer or a third-party administrator to restrict any of the following as related to covered services: (1) Balance billing. (2) Waiting periods. (3) Frequency limitations. (4) Deductibles. (5) Maximum annual benefits. (d) Nothing in this section shall apply to corporations organized pursuant to Article 6, commencing at Section 10A-20-6.01, of Chapter 20 of Title 10A, or to policies, plans, or contracts entered, issued, or administered by the corporations. (Act 2015-483, §§1-4.)
AL Code § 27-20-2 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 20 - Group and Blanket Disability Insurance.|Section 27-20-2 - Group Disability Insurance - Mandatory Policy Provisions.

Section 27-20-2Group disability insurance - Mandatory policy provisions. Each such group disability insurance policy shall contain in substance the following provisions: (1) A provision that, in the absence of fraud, all statements made by applicants, or the policyholders or by an insured person shall be deemed representations and not warranties and that no statement made for the purpose of effecting insurance shall void such insurance or reduce benefits unless contained in a written instrument signed by the policyholder or the insured person, a copy of which has been furnished to such policyholder or to such person or his beneficiary; (2) A provision that the insurer will furnish to the policyholder for delivery to each employee, or member of the insured group, a statement in summary form of the essential features of the insurance coverage of such employee or member and to whom benefits thereunder are payable. If dependents are included in the coverage, only one certificate need be issued for each family unit; and (3) A provision that to the group originally insured may be added from time to time eligible new employees, or members or dependents, as the case may be, in accordance with the terms of the policy. (Acts 1971, No. 407, p. 707, §459.)
AL Code § 27-20-3 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 20 - Group and Blanket Disability Insurance.|Section 27-20-3 - Group Disability Insurance - Direct Payment of Those Rendering Services.

Section 27-20-3Group disability insurance - Direct payment of those rendering services. Any group disability policy may, on request by the group policyholder, provide that all, or any portion, of any indemnities provided by any such policy on account of hospital, nursing, medical, or surgical services may, at the insurer's option, be paid directly to the hospital or person rendering such services. Payment so made shall discharge the insurer's obligation with respect to the amount of insurance so paid. (Acts 1971, No. 407, p. 707, §460.)
AL Code § 27-20-4 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 20 - Group and Blanket Disability Insurance.|Section 27-20-4 - Blanket Disability Insurance - Eligible Groups.

Section 27-20-4Blanket disability insurance - Eligible groups. Blanket disability insurance is hereby declared to be that form of disability insurance covering groups of persons as enumerated in one of the following subdivisions: (1) Under a policy or contract issued to any common carrier or to any operator, owner, or lessee of a means of transportation, who or which shall be deemed the policyholder, covering a group of persons who may become passengers defined by reference to their travel status on such common carrier or such means of transportation; (2) Under a policy or contract issued to an employer, who shall be deemed the policyholder, covering any group of employees, dependents, or guests, defined by reference to specified hazards incident to an activity, or activities, or operations of the policyholder; (3) Under a policy or contract issued to a college, school, or other institution of learning, a school district or districts, or school jurisdictional unit or to the head, principal, or governing board of any such educational unit, who or which shall be deemed the policyholder, covering students, teachers, or employees; (4) Under a policy or contract issued to any religious, charitable, recreational, educational, or civic organization, or branch thereof, which shall be deemed the policyholder covering any group of members or participants defined by reference to specified hazards incident to an activity, or activities, or operations sponsored or supervised by such policyholder; (5) Under a policy or contract issued to a sports team, camp or sponsor thereof, which shall be deemed the policyholder, covering members, campers, employees, officials, or supervisors; (6) Under a policy or contract issued to any volunteer fire department, first aid, civil defense, or other such volunteer organization, which shall be deemed the policyholder, covering any group of members or participants defined by reference to specified hazards incident to an activity, or activities, or operations sponsored or supervised by such policyholder; (7) Under a policy or contract issued to a newspaper or other publisher, which shall be deemed the policyholder, covering its carriers; (8) Under a policy or contract issued to an association, including a labor union, which shall have a constitution and bylaws and which has been organized and is maintained in good faith for purposes other than that of obtaining insurance, which shall be deemed the policyholder, covering any group of members or participants defined by reference to specified hazards incident to an activity, or activities, or operations sponsored or supervised by such policyholder; or (9) Under a policy or contract issued to cover any other risk or class of risks which, in the discretion of the commissioner, may be properly eligible for blanket disability insurance. The discretion of the commissioner may be exercised on an individual risk basis or class of risks, or both. (Acts 1971, No. 407, p. 707, §461.)
AL Code § 27-20-6 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 20 - Group and Blanket Disability Insurance.|Section 27-20-6 - Blanket Disability Insurance - Applications and Certificates.

Section 27-20-6Blanket disability insurance - Applications and certificates. An individual application shall not be required from a person covered under a blanket disability policy or contract, nor shall it be necessary for the insurer to furnish each person a certificate. (Acts 1971, No. 407, p. 707, §463.)
AL Code § 27-20-7 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 20 - Group and Blanket Disability Insurance.|Section 27-20-7 - Blanket Disability Insurance - Payment of Benefits.

Section 27-20-7Blanket disability insurance - Payment of benefits. All benefits under any blanket disability policy shall be payable to the person insured, or to his employer, or to his designated beneficiary or beneficiaries or to his estate; except, that if the person insured be a minor or mental incompetent, such benefits may be made payable to his parent, guardian, or other person actually supporting him, or, if the entire cost of the insurance has been borne by the employer, such benefits may be made payable to the employer; provided, however, that the policy may provide that all, or any portion, of any indemnities provided by such policy on account of hospital, nursing, medical, or surgical services may, at the insurer's option, be paid directly to the hospital or person rendering such services; but the policy may not require that the service be rendered by a particular hospital or person. Payment so made shall discharge the insurer's obligation with respect to the amount of insurance so paid. (Acts 1971, No. 407, p. 707, §464.)
AL Code § 27-20A-1 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 20A - Alcoholism Treatment in Group Plans.|Section 27-20A-1 - Definitions.

Section 27-20A-1Definitions. The following words and phrases used in this chapter, and others evidently intended as the equivalent thereof, shall, in the absence of clear implication otherwise, be given the following respective interpretations herein: (1) ALCOHOLISM. A chronic disorder or illness in which the individual is unable, for psychological or physical reasons, or both, to refrain from the frequent consumption of alcohol in quantities sufficient to produce intoxication and, ultimately, injury to health and effective functioning. (2) DETOXIFICATION. Supervised physical withdrawal from alcohol. (3) INPATIENT TREATMENT FOR ALCOHOLISM. Care provided in a licensed hospital and is normally limited to detoxification where severe medical or psychiatric complications are present or may be anticipated. (4) SHORT TERM RESIDENTIAL ALCOHOLISM TREATMENT FACILITY. A state certified facility which provides structured programs of intensive treatment services for people addicted to alcohol. Services may include supervised withdrawal from alcohol, backup emergency medical services for persons whose physical condition necessitates medical care, psychological and social evaluation, nutritional stabilization through proper dietary service, individual counseling, family counseling and referral to other providers who can provide additional services for continuity of care, aftercare, and followup. (5) OUTPATIENT TREATMENT. Treatment rendered in a nonresidential setting and using an intermittent, periodic schedule of visits. (Acts 1979, No. 79-436, p. 701, §1.)
AL Code § 27-20A-2 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 20A - Alcoholism Treatment in Group Plans.|Section 27-20A-2 - Chapter Applicable to Group, etc., Policies.

Section 27-20A-2Chapter applicable to group, etc., policies. No group, blanket, franchise, or association health insurance policy providing coverage on an expense incurred basis, nor group, blanket, franchise, or association service or indemnity type contract issued by a nonprofit corporation, nor group-type self insurance plan providing protection, insurance, or indemnity against hospital, medical, or surgical expenses, nor health maintenance organization plan shall be issued, delivered, executed, or renewed in this state, or approved for issuance or renewal in this state by the Commissioner of Insurance after 90 days beyond the effective date of this chapter, unless such policy, contract, or plan, at the option of the policyholder or sponsor, provides benefits to any insured, subscriber, or other person covered under the policy, contract, or plan for expenses incurred in connection with the treatment of alcoholism when such treatment is prescribed by a duly licensed doctor of medicine. (Acts 1979, No. 79-436, p. 701, §2.)
AL Code § 27-20A-3 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 20A - Alcoholism Treatment in Group Plans.|Section 27-20A-3 - Benefits Required.

Section 27-20A-3Benefits required. The benefits to be offered under this chapter shall include inpatient or residential treatment rendered to the insured, subscriber or other person covered, at a state licensed hospital or at a short term residential alcoholism treatment facility or detoxification facility duly licensed or certified as such by the Alabama Board of Health or the Alabama Mental Health Board. Benefits shall also include outpatient treatment rendered to the insured, subscriber or other person covered, by a duly licensed doctor of medicine or by an alcoholism treatment facility duly licensed or certified as such by the Alabama Board of Health or the Alabama Mental Health Board. (Acts 1979, No. 79-436, p. 701, §3.)
AL Code § 27-20A-4 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 20A - Alcoholism Treatment in Group Plans.|Section 27-20A-4 - Extent of Coverage.

Section 27-20A-4Extent of coverage. When benefits are provided under this chapter, the benefits shall provide for a minimum of 30 days of inpatient treatment or its equivalent per calendar year with the equivalency to be computed based on a formula which equates two days of treatment in a short term residential alcoholism treatment facility to one day of inpatient treatment and which equates three sessions of outpatient treatment by a licensed doctor of medicine or an alcoholism treatment facility to one day of inpatient treatment. (Acts 1979, No. 79-436, p. 701, §4.)
AL Code § 27-21-1 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 21 - Alabama Health Care Plan.|Section 27-21-1 - Purpose of Chapter.

Section 27-21-1Purpose of chapter. The Legislature of Alabama takes cognizance of the existence of many Alabama citizens who are unable to obtain adequate health care protection by reason of economic, physical, or other related causes. It is the purpose of the Legislature to provide adequate health care protection through this plan to those persons not otherwise able to obtain such protection by insurance companies or voluntary association on a nonprofit basis. (Acts 1971, No. 501, p. 1218.)