reglab/housing_qa huggingface dataset:
WA Rev Code § 48.66.035 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.66 - Medicare Supplemental Health Insurance Act.|48.66.035 - Commissioner's approval required.

RCW 48.66.035 Commissioner's approval required.(1) A medicare supplement insurance policy or certificate form or application form, rider, or endorsement shall not be issued, delivered, or used unless it has been filed with and approved by the commissioner.(2) Rates, or modification of rates, for medicare supplement policies or certificates shall not be used until filed with and approved by the commissioner.(3) Every filing shall be received not less than thirty days in advance of any such issuance, delivery, or use. At the expiration of such thirty days the form or rate so filed shall be deemed approved unless prior thereto it has been affirmatively approved or disapproved by order of the commissioner. The commissioner may extend by not more than an additional fifteen days the period within which he or she may affirmatively approve or disapprove any such form or rate, by giving notice of such extension before expiration of the initial thirty-day waiting period. At the expiration of any such period as so extended, and in the absence of such prior affirmative approval or disapproval, any such form or rate shall be deemed approved. A filing of a form or rate or modification thereto may not be deemed approved unless the filing contains all required documents prescribed by the commissioner. The commissioner may withdraw any such approval at any time for cause. By approval of any such form or rate for immediate use, the commissioner may waive any unexpired portion of such initial thirty-day waiting period.(4) The commissioner's order disapproving any such form or rate or withdrawing a previous approval shall state the grounds therefor.(5) A form or rate shall not knowingly be issued, delivered, or used if the commissioner's approval does not then exist.[ 1992 c 138 § 3.]
WA Rev Code § 48.66.041 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.66 - Medicare Supplemental Health Insurance Act.|48.66.041 - Minimum standards required by rule—Waiver.

RCW 48.66.041 Minimum standards required by rule—Waiver.(1) The insurance commissioner shall adopt rules to establish minimum standards for benefits in medicare supplement insurance policies and certificates.(2) The commissioner shall adopt rules to establish specific standards for medicare supplement insurance policy or certificate provisions. These rules may include but are not limited to:(a) Terms of renewability;(b) Nonduplication of coverage;(c) Benefit limitations, exceptions, and reductions;(d) Definitions of terms;(e) Requiring refunds or credits if the policies or certificates do not meet loss ratio requirements;(f) Establishing uniform methodology for calculating and reporting loss ratios;(g) Assuring public access to policies, premiums, and loss ratio information of an issuer of medicare supplement insurance;(h) Establishing a process for approving or disapproving proposed premium increases; and(i) Establishing standards for medicare SELECT policies and certificates.(3) The insurance commissioner may adopt rules that establish disclosure standards for replacement of policies or certificates by persons eligible for medicare.(4) The insurance commissioner may by rule prescribe that an informational brochure, designed to improve the buyer's understanding of medicare and ability to select the most appropriate coverage, be provided to persons eligible for medicare by reason of age. The commissioner may require that the brochure be provided to applicants concurrently with delivery of the outline of coverage, except with respect to direct response insurance, when the brochure may be provided upon request but no later than the delivery of the policy.(5) In the case of a state or federally qualified health maintenance organization, the commissioner may waive compliance with one or all provisions of this section until January 1, 1983.[ 1993 c 388 § 1; 1992 c 138 § 4; 1982 c 200 § 1.]
WA Rev Code § 48.66.050 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.66 - Medicare Supplemental Health Insurance Act.|48.66.050 - Policy or certificate provisions prohibited by rule—Waivers restricted.

RCW 48.66.050 Policy or certificate provisions prohibited by rule—Waivers restricted.(1) The insurance commissioner may issue reasonable rules that specify prohibited policy provisions not otherwise specifically authorized by statute which, in the opinion of the commissioner, are unfair, unjust, or unfairly discriminatory to any person insured or proposed to be insured under a medicare supplement insurance policy or certificate.(2) No medicare supplement insurance policy may use waivers to exclude, limit, or reduce coverage or benefits for specifically named or described preexisting diseases or physical conditions.[ 1992 c 138 § 5; 1981 c 153 § 5.]
WA Rev Code § 48.66.057 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.66 - Medicare Supplemental Health Insurance Act.|48.66.057 - Rejection of medicare eligible person—When notice and information must be provided to applicant.

RCW 48.66.057 Rejection of medicare eligible person—When notice and information must be provided to applicant.Any medicare eligible person who is rejected for medical reasons, is required to accept restrictive riders, an up-rated premium, or preexisting conditions limitations, the effect of which is to substantially reduce coverage from that received by a person considered a standard risk by at least one member as defined in RCW 48.41.030(14) shall be provided written notice from the issuer of medicare supplement coverage to whom application was made of the decision not to accept the person's application for enrollment, or to require such restrictions. The notice shall further state that the person is eligible for medicare part C coverage offered in the person's geographic area or coverage provided by the Washington state health insurance pool for Washington residents, and shall include information about medicare part C plans offered in the person's geographic area, about the Washington state health insurance pool, and about available resources to assist the person in choosing appropriate coverage.[ 2009 c 555 § 1.]
WA Rev Code § 48.66.060 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.66 - Medicare Supplemental Health Insurance Act.|48.66.060 - Equal coverage of sickness and accidents.

RCW 48.66.060 Equal coverage of sickness and accidents.A medicare supplement insurance policy may not indemnify against losses resulting from sickness on a different basis than losses resulting from accidents.[ 1981 c 153 § 6.]
WA Rev Code § 48.66.070 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.66 - Medicare Supplemental Health Insurance Act.|48.66.070 - Adjustment of benefits and premiums for medicare cost-sharing.

RCW 48.66.070 Adjustment of benefits and premiums for medicare cost-sharing.A medicare supplement insurance policy must provide that benefits designed to cover cost-sharing amounts under medicare will be changed automatically to coincide with any changes in the applicable medicare deductible amount and copayment percentage factors. Premiums may be modified to correspond with such changes.[ 1981 c 153 § 7.]
WA Rev Code § 48.66.080 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.66 - Medicare Supplemental Health Insurance Act.|48.66.080 - "Benefit period"—"Medicare benefit period"—Minimum requirements.

RCW 48.66.080 "Benefit period"—"Medicare benefit period"—Minimum requirements."Benefit period" or "medicare benefit period" may not be defined more restrictively than as defined in the medicare program.[ 1981 c 153 § 8.]
WA Rev Code § 48.66.090 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.66 - Medicare Supplemental Health Insurance Act.|48.66.090 - Guaranteed renewable—Exceptions.

RCW 48.66.090 Guaranteed renewable—Exceptions.All medicare supplement policies must be guaranteed renewable and a medicare supplement insurance policy may not provide that the policy may be canceled or nonrenewed by the insurer solely on the grounds of deterioration of health. The issuer shall not cancel or nonrenew the policy for any reason other than nonpayment of premium or material misrepresentation. All medicare supplement policies and certificates must include a renewal or continuation provision. The language or specifications of such provision must be appropriately captioned, appear on the first page of the policy, and shall include any reservation by the issuer or a right to change premium.[ 1992 c 138 § 6; 1981 c 153 § 9.]
WA Rev Code § 48.66.100 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.66 - Medicare Supplemental Health Insurance Act.|48.66.100 - Loss ratio requirements—Mass sales practices of individual policies.

RCW 48.66.100 Loss ratio requirements—Mass sales practices of individual policies.(1) Medicare supplement insurance policies shall return to policyholders in the form of aggregate benefits under the policy, for the entire period for which rates are computed to provide coverage, loss ratios of:(a) At least seventy-five percent of the aggregate amount of premiums earned in the case of group policies; and(b) At least sixty-five percent of the aggregate amount of premiums earned in the case of individual policies.(2) For the purpose of this section, medicare supplement insurance policies issued as a result of solicitation of individuals through the mail or mass media advertising, including both print and broadcast advertising, shall be treated as individual policies.(3) The insurance commissioner may adopt rules sufficient to accomplish the provisions of this section and may, by such rules, impose more stringent or appropriate loss ratio requirements when it is necessary for the protection of the public interest.[ 1992 c 138 § 7; 1982 c 200 § 2; 1981 c 153 § 10.]
WA Rev Code § 48.66.110 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.66 - Medicare Supplemental Health Insurance Act.|48.66.110 - Disclosure by insurer—Outline of coverage required.

RCW 48.66.110 Disclosure by insurer—Outline of coverage required.In order to provide for full and fair disclosure in the sale of medicare supplement policies, a medicare supplement policy or certificate shall not be delivered in this state unless an outline of coverage is delivered to the potential policyholder not later than the time of application for the policy.[ 1992 c 138 § 8; 1981 c 153 § 11.]
WA Rev Code § 48.66.120 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.66 - Medicare Supplemental Health Insurance Act.|48.66.120 - Return of policy and refund of premium—Notice required—Effect of return.

RCW 48.66.120 Return of policy and refund of premium—Notice required—Effect of return.(1) Every individual medicare supplement insurance policy issued after January 1, 1982, and every certificate issued pursuant to a group medicare supplement policy after January 1, 1982, shall have prominently displayed on the first page of the policy form or certificate a notice stating in substance that the person to whom the policy or certificate is issued shall be permitted to return the policy or certificate within thirty days of its delivery to the purchaser and to have the premium refunded if, after examination of the policy or certificate, the purchaser is not satisfied with it for any reason. An additional ten percent penalty shall be added to any premium refund due which is not paid within thirty days of return of the policy to the insurer or insurance producer. If a policyholder or purchaser, pursuant to such notice, returns the policy or certificate to the insurer at its home or branch office or to the insurance producer through whom it was purchased, it shall be void from the beginning and the parties shall be in the same position as if no policy or certificate had been issued.(2) No later than January 1, 2010, or when the insurer has used all of its existing paper individual medicare supplement insurance policy forms which were in its possession on July 1, 2009, whichever is earlier, the notice required by subsection (1) of this section shall use the term insurance producer in place of agent.[ 2008 c 217 § 65; 1983 1st ex.s. c 32 § 12; 1982 c 200 § 3; 1981 c 153 § 12.]NOTES:Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
WA Rev Code § 48.66.130 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.66 - Medicare Supplemental Health Insurance Act.|48.66.130 - Preexisting condition limitations.

RCW 48.66.130 Preexisting condition limitations.(1) On or after January 1, 1996, and notwithstanding any other provision of Title 48 RCW, a medicare supplement policy or certificate shall not exclude or limit benefits for losses incurred more than three months from the effective date of coverage because it involved a preexisting condition.(2) On or after January 1, 1996, a medicare supplement policy or certificate shall not define a preexisting condition more restrictively than as a condition for which medical advice was given or treatment was recommended by or received from a physician, or other health care provider acting within the scope of his or her license, within three months before the effective date of coverage.(3) If a medicare supplement insurance policy or certificate contains any limitations with respect to preexisting conditions, such limitations must appear as a separate paragraph of the policy or certificate and be labeled as "Preexisting Condition Limitations."(4) No exclusion or limitation of preexisting conditions may be applied to policies or certificates replaced in accordance with the provisions of RCW 48.66.045 if the policy or certificate replaced had been in effect for at least three months.(5) If a medicare supplement policy or certificate replaces another medicare supplement policy or certificate, the replacing issuer shall waive any time periods applicable to preexisting conditions, waiting periods, elimination periods, and probationary periods in the new medicare supplement policy or certificate for similar benefits to the extent such time was spent under the original policy.(6) If a medicare supplement policy or certificate replaces another medicare supplement policy or certificate which has been in effect for at least three months, the replacing policy shall not provide any time period applicable to preexisting conditions, waiting periods, elimination periods, and probationary periods for benefits similar to those contained in the original policy or certificate.[ 2005 c 41 § 6; 2002 c 300 § 3; 1995 c 85 § 2; 1992 c 138 § 9; 1981 c 153 § 13.]NOTES:Intent—2005 c 41: See note following RCW 48.66.025.
WA Rev Code § 48.66.140 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.66 - Medicare Supplemental Health Insurance Act.|48.66.140 - Medical history.

RCW 48.66.140 Medical history.Any time that completion of a medical history of a patient is required in order for an application for a medicare supplement insurance policy to be accepted, that medical history must be completed by the applicant, a relative of the applicant, a legal guardian of the applicant, or a physician.[ 1981 c 153 § 14.]
WA Rev Code § 48.66.150 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.66 - Medicare Supplemental Health Insurance Act.|48.66.150 - Reporting and recordkeeping, separate data required.

RCW 48.66.150 Reporting and recordkeeping, separate data required.Commencing with reports for accounting periods beginning on or after January 1, 1982, insurers, health care service contractors, health maintenance organizations, and fraternal benefit societies shall, for reporting and recordkeeping purposes, separate data concerning medicare supplement insurance policies and contracts from data concerning other disability insurance policies and contracts.[ 1981 c 153 § 15.]
WA Rev Code § 48.66.160 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.66 - Medicare Supplemental Health Insurance Act.|48.66.160 - Federal law supersedes.

RCW 48.66.160 Federal law supersedes.In any case where the provisions of this chapter conflict with provisions of the "Health Insurance For The Aged Act," Title XVIII of the Social Security Amendments of 1965, or any amendments thereto or regulations promulgated thereunder, regarding any contract between the secretary of health and human services and a health maintenance organization, the provisions of the "Health Insurance For The Aged Act" shall supersede and be paramount.[ 1981 c 153 § 16.]
WA Rev Code § 48.66.165 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.66 - Medicare Supplemental Health Insurance Act.|48.66.165 - Conformity with federal law—Rules.

RCW 48.66.165 Conformity with federal law—Rules.The commissioner may adopt, from time-to-time, such rules as are necessary with respect to medicare supplemental insurance to conform Washington policies, contracts, certificates, standards, and practices to the requirements of federal law, specifically including 42 U.S.C. Sec. 1395ss, and federal regulations adopted thereunder.[ 1991 c 120 § 1.]
WA Rev Code § 48.66.910 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.66 - Medicare Supplemental Health Insurance Act.|48.66.910 - Effective date—1981 c 153.

RCW 48.66.910 Effective date—1981 c 153.This act shall take effect January 1, 1982.[ 1981 c 153 § 19.]
WA Rev Code § 48.66.920 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.66 - Medicare Supplemental Health Insurance Act.|48.66.920 - Construction—Chapter applicable to state registered domestic partnerships—2009 c 521.

RCW 48.66.920 Construction—Chapter applicable to state registered domestic partnerships—2009 c 521.For the purposes of this chapter, the terms spouse, marriage, marital, husband, wife, widow, widower, next of kin, and family shall be interpreted as applying equally to state registered domestic partnerships or individuals in state registered domestic partnerships as well as to marital relationships and married persons, and references to dissolution of marriage shall apply equally to state registered domestic partnerships that have been terminated, dissolved, or invalidated, to the extent that such interpretation does not conflict with federal law. Where necessary to implement chapter 521, Laws of 2009, gender-specific terms such as husband and wife used in any statute, rule, or other law shall be construed to be gender neutral, and applicable to individuals in state registered domestic partnerships.[ 2009 c 521 § 128.]
WA Rev Code § 48.68.005 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.68 - Health Care Savings Account Act.|48.68.005 - Intent—Health care savings accounts authorized.

RCW 48.68.005 Intent—Health care savings accounts authorized.(1) This chapter shall be known as the health care savings account act.(2) The legislature recognizes that the costs of health care are increasing rapidly and most individuals are removed from participating in the purchase of their health care.As a result, it becomes critical to encourage and support solutions to alleviate the demand for diminishing state resources. In response to these increasing costs in health care spending, the legislature intends to clarify that health care savings accounts may be offered as health benefit options to all residents as incentives to reduce unnecessary health services utilization, administration, and paperwork, and to encourage individuals to be in charge of and participate directly in their use of service and health care spending. To alleviate the possible impoverishment of residents requiring long-term care, health care savings accounts may promote savings for long-term care and provide incentives for individuals to protect themselves from financial hardship due to a long-term health care need.(3) Health care savings accounts are authorized in Washington state as options to employers and residents.[ 1995 c 265 § 2.]NOTES:Captions not law—Effective dates—Savings—Severability—1995 c 265: See notes following RCW 70.47.015.
WA Rev Code § 48.68.010 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.68 - Health Care Savings Account Act.|48.68.010 - Duties of governor and responsible agencies—Chapter to remain in effect.

RCW 48.68.010 Duties of governor and responsible agencies—Chapter to remain in effect.The governor and responsible agencies shall:(1) Request that the United States congress amend the internal revenue code to treat premiums and contributions to health benefits plans, such as health care savings account programs, basic health plans, conventional and standard health plans offered through a health carrier, by employers, self-employed persons, and individuals, as fully excluded employer expenses and deductible from individual adjusted gross income for federal tax purposes.(2) Request that the United States congress amend the internal revenue code to exempt from federal income tax interest that accrues in health care savings accounts until such money is withdrawn for expenditures other than eligible health expenses as defined in law.(3) If all federal statute or regulatory waivers necessary to fully implement this chapter have not been obtained by July 1, 1995, this chapter shall remain in effect.[ 1995 c 265 § 3.]NOTES:Captions not law—Effective dates—Savings—Severability—1995 c 265: See notes following RCW 70.47.015.
WA Rev Code § 48.70.010 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.70 - Specified Disease Insurance Act.|48.70.010 - Legislative intent.

RCW 48.70.010 Legislative intent.This chapter shall be known as the specified disease insurance act and is intended to govern the content and sale of specified disease insurance as defined in this chapter. This chapter applies in addition to, rather than in place of, other requirements of Title 48 RCW. It is the intent of the legislature to guarantee that specified disease policies issued, delivered, or used in this state provide a reasonable level of benefits to the policyholders. This chapter shall be applied broadly to ensure achievement of its aim.[ 1982 c 181 § 20.]
WA Rev Code § 48.70.020 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.70 - Specified Disease Insurance Act.|48.70.020 - Definitions—Rules.

RCW 48.70.020 Definitions—Rules.Unless the context clearly requires otherwise, the definitions in this section apply throughout this chapter.(1) "Specified disease policy" refers to any insurance policy or contract which provides benefits to a policyholder only in the event that the policyholder contracts the disease or diseases specifically named in the policy.(2) "Loss ratio" means the incurred claims as a percentage of the earned premium, computed under rules adopted by the commissioner. Earned premiums and incurred claims shall be computed under rules adopted by the commissioner.[ 1982 c 181 § 21.]
WA Rev Code § 48.70.030 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.70 - Specified Disease Insurance Act.|48.70.030 - Expected returns to policyholders—Rules.

RCW 48.70.030 Expected returns to policyholders—Rules.(1) Commencing with reports for the accounting periods beginning on or after July 1, 1983, specified disease policies shall be expected to return to policyholders in the form of aggregate loss ratios under the policy:(a) At least seventy-five percent of the earned premiums in the case of group policies; and(b) At least sixty percent of the earned premiums in the case of individual policies.(2) For the purpose of this section, specified disease insurance policies issued as a result of solicitation of individuals through the mail or mass media advertising, including both print and broadcast advertising, shall be treated as individual policies.(3) By July 1, 1983, the commissioner shall adopt rules sufficient to accomplish the provisions of this section.[ 1982 c 181 § 22.]