reglab/housing_qa huggingface dataset:
8 V.S.A. § 4062c
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 107 - Health Insurance|§ 4062c. Compliance with federal law

§ 4062c. Compliance with federal law|Except as otherwise provided in this title, health insurers, hospital or medical service corporations, and health maintenance organizations that issue, sell, renew, or offer health insurance coverage in Vermont shall comply with the requirements of the Health Insurance Portability and Accountability Act of 1996, as amended from time to time (42 U.S.C., Chapter 6A, Subchapter XXV), and the Patient Protection and Affordable Care Act of 2010, Public Law 111-148, as amended by the Health Care and Education Reconciliation Act of 2010, Public Law 111-152. The Commissioner shall enforce such requirements pursuant to his or her authority under this title. (Added 1997, No. 24, § 1; amended 2009, No. 42, § 32; 2009, No. 128 (Adj. Sess.), § 9, eff. May 27, 2010.)
8 V.S.A. § 4062e
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 107 - Health Insurance|§ 4062e. Compliance with Medicaid recovery provisions

§ 4062e. Compliance with Medicaid recovery provisions|A health insurer as defined in 33 V.S.A. § 1900 that issues, sells, renews, or offers health insurance coverage in Vermont or who is required to be licensed or registered with the Department shall comply with the requirements of 33 V.S.A. §§ 1907, 1908, 1909, and 1910. The Commissioner shall enforce such requirements pursuant to his or her authority under this title. (Added 2007, No. 65, § 110e; amended 2015, No. 97 (Adj. Sess.), § 13.)
8 V.S.A. § 4063a
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 107 - Health Insurance|§ 4063a. Coverage for civil unions

§ 4063a. Coverage for civil unions|(a) As used in this section:  (1) "Dependent coverage" means family coverage or coverage for one or more persons. (2) "Party to a civil union" is defined for purposes of this section as under 15 V.S.A. § 1201. (3) "Insurer" shall mean a health insurer as defined in 18 V.S.A. § 9402.   (b) Notwithstanding any law to the contrary, insurers shall provide dependent coverage to parties to a civil union that is equivalent to that provided to married insureds. An individual or group health insurance policy which provides coverage for a spouse or family member of the insured shall also provide the equivalent coverage for a party to a civil union. (Added 1999, No. 91 (Adj. Sess.), § 18, eff. Jan. 1, 2001.)
8 V.S.A. § 4063b
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 107 - Health Insurance|§ 4063b. Coverage for employees of an employer domiciled outside Vermont

§ 4063b. Coverage for employees of an employer domiciled outside Vermont|(a) As used in this section:  (1) "Health insurance" shall have the same meaning as "group health insurance policy or subscriber contract" in section 4091a of this title. (2) "Marriage" shall have the same meaning as in 15 V.S.A. § 8. (3) "Party to a civil union" shall have the same meaning as in 15 V.S.A. § 1201.   (b) To the extent permitted under federal law, health insurance coverage provided to Vermont residents who work for an employer domiciled outside Vermont shall not distinguish between parties to a civil union, married same-sex couples, and married opposite-sex couples. (Added 2013, No. 35, § 1.)
8 V.S.A. § 4064
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 107 - Health Insurance|§ 4064. Provisions applying to policies delivered in another state

§ 4064. Provisions applying to policies delivered in another state|If any policy is issued by an insurer domiciled in this State for delivery to a person residing in another state, and if the official having responsibility for the administration of the insurance laws of such other state shall have advised the Commissioner that any such policy is not subject to approval or disapproval by such official, the Commissioner may by ruling require that such policy meet the standards set forth in sections 4065, 4066, and 4067 of this title.
8 V.S.A. § 4067
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 107 - Health Insurance|§ 4067. Omission of inapplicable or inconsistent standard provisions

§ 4067. Omission of inapplicable or inconsistent standard provisions|If any provision of sections 4065 and 4066 of this title is in whole or in part inapplicable to or inconsistent with the coverage provided by a particular form of policy the insurer, with the approval of the Commissioner, shall omit from such policy any inapplicable provision or part of a provision, and shall modify any inconsistent provision or part of the provision in such manner as to make the provision as contained in the policy consistent with the coverage provided by the policy.
8 V.S.A. § 4068
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 107 - Health Insurance|§ 4068. Order of standard policy provisions

§ 4068. Order of standard policy provisions|The provisions which are the subject of sections 4065 and 4066 of this title, or any corresponding provisions which are used in lieu thereof in accordance with such sections, shall be printed in the consecutive order of the provisions in such sections or, at the option of the insurer, any such provision may appear as a unit in any part of the policy, with other provisions to which it may be logically related, provided the resulting policy shall not be in whole or in part unintelligible, uncertain, ambiguous, abstruse, or likely to mislead a person to whom the policy is offered, delivered, or issued.
8 V.S.A. § 4069
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 107 - Health Insurance|§ 4069. Third party ownership

§ 4069. Third party ownership|The word "insured," as used in this chapter, shall not be construed as preventing a person other than the insured with proper insurable interest from making application for and owning a policy covering the insured or from being entitled under such a policy to any indemnities, benefits, and rights provided therein.
8 V.S.A. § 4070
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 107 - Health Insurance|§ 4070. Requirements of other jurisdictions

§ 4070. Requirements of other jurisdictions|(a) Any policy of a foreign or alien insurer, when delivered or issued for delivery to any person in this State, may contain any provision which is not less favorable to the insured or the beneficiary than the provisions of this chapter and which is prescribed or required by the law of the state under which the insurer is organized.(b) Any policy of a domestic insurer may, when issued for delivery in any other state or country, contain any provision permitted or required by the laws of such other state or country.
8 V.S.A. § 4071
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 107 - Health Insurance|§ 4071. Regulations on filing policies

§ 4071. Regulations on filing policies|The Commissioner may make such reasonable rules and regulations concerning the procedure for the filing or submission of policies subject to sections 4063-4066 of this title as are necessary, proper, or advisable to the administration of these sections. This provision shall not abridge any other authority granted the Commissioner by law.
8 V.S.A. § 4072
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 107 - Health Insurance|§ 4072. Nonconforming policies

§ 4072. Nonconforming policies|(a) No policy provision which is not subject to section 4065 or 4066 of this title shall make a policy, or any portion thereof, less favorable in any respect to the insured or the beneficiary than the provisions thereof which are subject to these sections.(b) A policy delivered or issued for delivery to any person in this State in violation of sections 4065 and 4066 of this title shall be held valid but shall be construed as provided in this chapter. When any provision in a policy subject to sections 4065 and 4066 is in conflict with any provision therein, the rights, duties, and obligations of the insurer, the insured and the beneficiary shall be governed by the provisions of such sections.
8 V.S.A. § 4073
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 107 - Health Insurance|§ 4073. Applications for insurance

§ 4073. Applications for insurance|(a) The insured shall not be bound by any statement made in an application for a policy unless a copy of such application is attached to or endorsed on the policy when issued as a part thereof. If any such policy delivered or issued for delivery to any person in this State shall be reinstated or renewed, and the insured or the beneficiary or assignee of such policy shall make written request to the insurer for a copy of the application, if any, for such reinstatement or renewal, the insurer shall within 15 days after the receipt of such request at its home office or any branch office of the insurer, deliver or mail to the person making such request a copy of such application. If such copy shall not be so delivered or mailed, the insurer shall be precluded from introducing such application as evidence in any action or proceeding based upon or involving such policy or its reinstatement or renewal.(b) No alteration of any written application for any such policy shall be made by any person other than the applicant without his or her written consent, except that insertions may be made by the insurer, for administrative purposes only, in such manner as to indicate clearly that such insertions are not to be ascribed to the applicant.(c) The falsity of any statement in the application for any such policy may not bar the right to recovery thereunder unless such false statement materially affected either the acceptance of the risk or the hazard assumed by the insurer.
8 V.S.A. § 4074
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 107 - Health Insurance|§ 4074. Notice as waiver

§ 4074. Notice as waiver|The acknowledgment by any insurer of the receipt of notice given under any such policy, or the furnishing of forms for filing proofs of loss, or the acceptance of such proofs, or the investigation of any claim thereunder shall not operate as a waiver of any of the rights of the insurer in defense of any claim arising under such policy.
8 V.S.A. § 4075
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 107 - Health Insurance|§ 4075. Age limits

§ 4075. Age limits|If any such policy contains a provision establishing, as an age limit or otherwise, a date after which the coverage provided by the policy will not be effective, and if such date falls within a period for which premium is accepted by the insurer or if the insurer accepts a premium after such date, the coverage provided by the policy will continue in force subject to any right of cancellation until the end of the period for which a premium has been accepted. In the event the age of the insured has been misstated and if, according to the correct age of the insured, the coverage provided by the policy would not have become effective, or would have ceased prior to the acceptance of such premium or premiums, then the liability of the insurer shall be limited to the refund, upon request, of all premiums paid for the period not covered by the policy.
8 V.S.A. § 4076
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 107 - Health Insurance|§ 4076. Policies not affected

§ 4076. Policies not affected|Nothing in sections 4063-4075 of this title shall apply to or affect:  (1) any policy of workers' compensation insurance or any policy of liability insurance with or without supplementary coverage therein; (2) any policy or contract of reinsurance; (3) any blanket or group policy of insurance enumerated in sections 4079-4082 of this title, except to the extent provided therein; or (4) life insurance, endowment or annuity contracts, or contracts supplemental thereto which contain only such provisions relating to accident and sickness insurance as:  (A) provide additional benefits in case of death or dismemberment or loss of sight by accident; or (B) operate to safeguard such contracts against lapse, or to give a special surrender value or special benefit or an annuity in the event that the insured or annuitant shall become totally and permanently disabled, as defined by the contract or supplemental contract. (Amended 1981, No. 165 (Adj. Sess.), § 1.)
8 V.S.A. § 4077
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 107 - Health Insurance|§ 4077. Termination; comprehensive major medical policies; grace period

§ 4077. Termination; comprehensive major medical policies; grace period|(a) A comprehensive major medical insurance policy issued by a health insurance company, nonprofit hospital or medical service corporation, or health maintenance organization that insures employees, members, or subscribers for hospital and medical insurance on an expense-incurred, service, or prepaid basis shall:  (1) provide notice to the policyholder or other responsible party of any premium payment due on a policy at least 21 days before the due date; and (2) provide a grace period of at least one month for the payment of each premium falling due after the first premium, during which grace period the policy shall continue in force and the issuer of the policy shall be liable for valid claims for covered losses incurred prior to the end of the grace period.   (b) If the issuer of a policy described in subsection (a) of this section does not receive payment by the due date, the issuer shall send a termination notice to the policyholder at least 21 days prior to termination notifying the policyholder that the issuer may terminate the policy if payment is not received by the termination date.(c) The termination date of a policy described in subsection (a) of this section shall not be earlier than the day following the last day of the grace period set forth in subdivision (a)(1) of this section. (Added 2021, No. 25, § 19, eff. May 12, 2021.)
8 V.S.A. § 4079a
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 107 - Health Insurance|§ 4079a. Association health plans

§ 4079a. Association health plans|(a) As used in this section, "association health plan" means a policy issued to an association; to a trust; or to one or more trustees of a fund established, created, or maintained for the benefit of the members of one or more associations or a contract or plan issued by an association or trust or by a multiple employer welfare arrangement as defined in the Employee Retirement Income Security Act of 1974, 29 U.S.C. § 1001 et seq.(b) The Commissioner shall adopt rules pursuant to 3 V.S.A. chapter 25 regulating association health plans in order to protect Vermont consumers and promote the stability of Vermont's health insurance markets, to the extent permitted under federal law, including rules regarding licensure, solvency and reserve requirements, and rating requirements.(c) The provisions of section 3661 of this title shall apply to association health plans.(d)(1) An association health plan that provided coverage for the 2019 plan year may be renewed for coverage of existing association employer members for subsequent plan years, to the extent permitted under federal law. An association health plan that provided coverage for the 2019 plan year shall not enroll any new employer members for coverage after the 2019 plan year; provided, however, that new employees of existing association employer members may enroll in the plan in a subsequent plan year pursuant to an offer of coverage from their employer.  (2) No new association health plans shall be offered or issued for coverage in this State for plan years 2020 and after. (3) This subsection does not apply to association health plans that were formed or could have been formed under the Employee Retirement Income Security Act of 1974, 29 U.S.C. § 1901, et. seq., and accompanying U.S. Department of Labor regulations and guidance, in each case, as in effect as of January 19, 2017. (Added 2017, No. 131 (Adj. Sess.), § 2, eff. May 16, 2018; amended 2019, No. 63, § 7, eff. June 17, 2019; 2019, No. 103 (Adj. Sess.), § 25.)
8 V.S.A. § 4080d
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 107 - Health Insurance|§ 4080d. Coordination of insurance coverage with Medicaid

§ 4080d. Coordination of insurance coverage with Medicaid|Any insurer as defined in section 4100b of this title is prohibited from considering the availability or eligibility for medical assistance in this or any other state under 42 U.S.C. § 1396a (Section 1902 of the Social Security Act), herein referred to as Medicaid, when considering eligibility for coverage or making payments under its plan for eligible enrollees, subscribers, policyholders, or certificate holders. (Added 1993, No. 231 (Adj. Sess.), § 1; amended 2005, No. 191 (Adj. Sess.), § 17; 2013, No. 79, § 6, eff. Jan. 1, 2014.)
8 V.S.A. § 4080e
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 107 - Health Insurance|§ 4080e. Medicare supplemental health insurance policies; community rating; disability

§ 4080e. Medicare supplemental health insurance policies; community rating; disability|(a) A health insurance company, hospital or medical service corporation, or health maintenance organization shall use a community rating method acceptable to the Commissioner for determining premiums for Medicare supplemental insurance policies.(b) The Commissioner shall adopt rules for standards and procedure for permitting health insurance companies, hospital or medical service organizations, or health maintenance organizations that issue Medicare supplemental insurance policies to use one or more risk classifications in their community rating method. The premium charged shall not deviate from the community rate and the rules shall not permit medical underwriting and screening, except that a health insurance company, hospital or medical service corporation, or health maintenance organization may set different community rates for persons eligible for Medicare by reason of age and persons eligible for Medicare by reason of disability.(c) A health insurance company, hospital or medical service corporation, or health maintenance organization that issues Medicare supplemental insurance policies or certificates to a person eligible for Medicare by reason of age shall make available, to persons eligible for Medicare by reason of disability, the same policies or certificates which are offered and sold to persons eligible for Medicare by reason of age. This subsection does not apply to persons eligible for Medicare by reason of end stage renal disease. The initial enrollment period for any such policies or certificates shall be at least six months following the date the individual becomes eligible for Medicare by reason of disability. Any additional enrollment periods as required by law and offered to individuals eligible by reason of age shall be offered to individuals eligible by reason of disability. (Added 1997, No. 13, § 2; amended 2001, No. 96 (Adj. Sess.), § 1, eff. May 8, 2002.)
8 V.S.A. § 4081
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 107 - Health Insurance|§ 4081. Blanket health insurance

§ 4081. Blanket health insurance|Blanket health insurance is hereby declared to be that form of health insurance which is supplemental to comprehensive health insurance, or which provides coverage other than the payment of all or a portion of the cost of health care services or products, and covering special groups of persons set forth as follows:  (1) under a policy or contract issued to any common carrier, which shall be deemed the policyholder, covering a group defined as all persons who may become passengers on such common carrier; (2) under a policy or contract issued to an employer, who shall be deemed the policyholder, covering any group of employees defined by reference to exceptional hazards incident to such employment; (3) under a policy or contract issued to a college, school, or other institution of learning or to the head or principal thereof, who or which shall be deemed the policyholder, covering students or teachers; (4) under a policy or contract issued in the name of any volunteer fire department, first aid, or other such volunteer group, which shall be deemed the policyholder, covering all of the members of such department or group in connection with their department or group activities; or (5) under a policy or contract issued to any other substantially similar group which, in the discretion of the Commissioner and after the prior approval by the Commissioner of the group, may be subject to the issuance of a blanket health policy or contract. (Amended 2009, No. 137 (Adj. Sess.), § 24.)
8 V.S.A. § 4082
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 107 - Health Insurance|§ 4082. Blanket insurance; policy contents

§ 4082. Blanket insurance; policy contents|(a) No such blanket health insurance policy shall contain any provision relative to notice of claim, proofs of loss, time of payment of claims, or time within which legal action must be brought upon the policy which, in the opinion of the Commissioner, is less favorable to the persons insured than would be permitted by the provisions set forth in section 4065 of this title. An individual application shall not be required from a person covered under a blanket health policy or contract, nor shall it be necessary for the insurer to furnish each person a certificate. All benefits under any blanket health policy shall, unless for hospital and physician service or surgical benefits, be payable to the person insured, or to his or her designated beneficiary or beneficiaries, or to his or her estate, except that if the person insured be a minor, such benefits may be made payable to his or her parent, guardian, or other person actually supporting him or her. Nothing contained in this section or section 4081 of this title shall be deemed to affect the legal liability of policyholders for the death of, or injury to, any such members of such group.(b) No such blanket health insurance policy which provides coverage for the payment of all or a portion of the cost of health care services or products shall contain any provision not in compliance with a requirement of this title, or a rule adopted pursuant to this title applicable to health insurance, other than those requirements applicable to nongroup health insurance or small group health insurance. The Commissioner may waive the application to a blanket insurance policy of one or more of the health insurance requirements of this title, or a rule adopted pursuant to this title, if such requirement is not relevant to the types of risks and duration of risks insured against in such blanket insurance policy. (Amended 2009, No. 137 (Adj. Sess.), § 25.)
8 V.S.A. § 4083
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 107 - Health Insurance|§ 4083. Discrimination prohibited

§ 4083. Discrimination prohibited|No insurer doing in this State the business specified in subdivision 3301(a)(2) of this title shall make or permit any unfair discrimination between individuals of substantially the same hazard in the amount of premium rates charged for any policy or contract of such insurance or in the benefits payable thereunder. This section shall not prohibit different premium rates, different benefits, or different underwriting procedure for individuals insured under group, family expense, franchise, or blanket plans of insurance.