reglab/housing_qa huggingface dataset:
TX Ins Code § 1251.005 (2021)
2021 Texas Statutes|Insurance Code|Title 8 - Health Insurance and Other Health Coverages|Subtitle B - Group Health Coverage|Chapter 1251 - Group and Blanket Health Insurance|Subchapter A. General Provisions|Section 1251.005. Payment of Benefits

Sec. 1251.005.  PAYMENT OF BENEFITS.  (a)  Except as otherwise provided by this section or Section 1251.113, benefits under a group accident and health insurance policy or blanket accident and health insurance policy must be paid to:(1)  the insured;(2)  the insured's designated beneficiary;(3)  the insured's estate;  or(4)  if the insured is a minor or is otherwise not competent to give a valid release, the insured's parent, guardian, or other person actually supporting the insured.(b)  A group accident and health insurance policy or blanket accident and health insurance policy may provide that all or a portion of any indemnity provided by the policy because of hospital, nursing, medical, or surgical services may, at the option of the insurer and unless the insured requests otherwise in writing not later than the time of filing a proof of the loss, be paid directly to the hospital or person providing the services.  A payment made as provided by this subsection discharges the obligation of the insurer with respect to the amount paid.(c)  A group accident and health insurance policy or blanket accident and health insurance policy must provide that all or a portion of any benefits provided by the policy for dental care services may, at the option of the insured, be assigned to the dentist providing the services.  In the case of an assignment under this subsection, payment must be made directly to the dentist designated.  A payment made pursuant to an assignment under this subsection discharges the obligation of the insurer with respect to the amount paid.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 3, eff. April 1, 2005.|
TX Ins Code § 1251.006 (2021)
2021 Texas Statutes|Insurance Code|Title 8 - Health Insurance and Other Health Coverages|Subtitle B - Group Health Coverage|Chapter 1251 - Group and Blanket Health Insurance|Subchapter A. General Provisions|Section 1251.006. Policy May Not Specify Service Provider

Sec. 1251.006.  POLICY MAY NOT SPECIFY SERVICE PROVIDER.  A group accident and health insurance policy or blanket accident and health insurance policy may not require that a covered service be provided by a particular hospital or person.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 3, eff. April 1, 2005.|
TX Ins Code § 1251.007 (2021)
2021 Texas Statutes|Insurance Code|Title 8 - Health Insurance and Other Health Coverages|Subtitle B - Group Health Coverage|Chapter 1251 - Group and Blanket Health Insurance|Subchapter A. General Provisions|Section 1251.007. Exceptions

Sec. 1251.007.  EXCEPTIONS.  This subchapter and Subchapters B-I do not apply to:(1)  a credit accident and health insurance policy subject to Chapter 1153;(2)  any group specifically provided for or authorized by law in existence and covered under a policy filed with the State Board of Insurance before April 1, 1975;(3)  accident or health coverage that is incidental to any form of a group automobile, casualty, property, workers' compensation, or employers' liability policy approved by the commissioner;  or(4)  any policy or contract of insurance with a state agency, department, or board providing health services:(A)  to eligible individuals under Chapter 32, Human Resources Code;  or(B)  under a state plan adopted in accordance with 42 U.S.C. Sections 1396-1396g, as amended, or 42 U.S.C. Section 1397aa et seq., as amended.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 3, eff. April 1, 2005.|
TX Ins Code § 1251.008 (2021)
2021 Texas Statutes|Insurance Code|Title 8 - Health Insurance and Other Health Coverages|Subtitle B - Group Health Coverage|Chapter 1251 - Group and Blanket Health Insurance|Subchapter A. General Provisions|Section 1251.008. Rules

Sec. 1251.008.  RULES.  The commissioner may adopt rules necessary to administer this chapter.  A rule adopted under this section is subject to notice and hearing as provided by Section 1201.007 for a rule adopted under Chapter 1201.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 3, eff. April 1, 2005.|
TX Ins Code § 1251.051 (2021)
2021 Texas Statutes|Insurance Code|Title 8 - Health Insurance and Other Health Coverages|Subtitle B - Group Health Coverage|Chapter 1251 - Group and Blanket Health Insurance|Subchapter B. Group Accident and Health Insurance: Eligible Policyholders|Section 1251.051. Employers

Sec. 1251.051.  EMPLOYERS.  (a)  For purposes of this section, "employee" includes:(1)  an officer, manager, or employee of the employer;(2)  an individual proprietor or partner, if the employer is an individual proprietorship or partnership;(3)  an officer, manager, or employee of a subsidiary or affiliated corporation;  and(4)  an individual proprietor, partner, or employee of an individual or firm, if the business of the employer and the individual or firm is under common control through stock ownership, contract, or otherwise.(b)  A policy issued to insure employees of a public body may provide that the term "employee" includes an elected or appointed officer of the body.(c)  A policy issued to the trustees of a fund established by an employer may provide that the term "employee" includes a trustee, an employee of the trustees, or both, if the person's duties are principally connected with the trusteeship.(d)  A group accident and health insurance policy may be issued to an employer or trustees of a fund established by an employer to insure the employer's active and retired employees for the benefit of persons other than the employer.(e)  The employer or the trustees of a fund established by an employer are the policyholder under a policy to which this section applies.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 3, eff. April 1, 2005.|
TX Ins Code § 1251.052 (2021)
2021 Texas Statutes|Insurance Code|Title 8 - Health Insurance and Other Health Coverages|Subtitle B - Group Health Coverage|Chapter 1251 - Group and Blanket Health Insurance|Subchapter B. Group Accident and Health Insurance: Eligible Policyholders|Section 1251.052. Associations

Sec. 1251.052.  ASSOCIATIONS.  (a)  A group accident and health insurance policy may be issued to an association, including a labor union or an organization of labor unions, a membership corporation organized or holding a certificate of authority under the Texas Non-Profit Corporation Act (Article 1396-1.01 et seq., Vernon's Texas Civil Statutes), and a cooperative or corporation subject to the supervision and control of the Farm Credit Administration, to insure the association's active and retired members, employees, or employees of members for the benefit of persons other than the association or its officers or trustees.(b)  To be eligible to obtain a group accident and health insurance policy, an association must:(1)  have a constitution and bylaws;(2)  have been organized and have actively existed for at least two years;  and(3)  be maintained in good faith for purposes other than that of obtaining insurance.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 3, eff. April 1, 2005.|
TX Ins Code § 1251.053 (2021)
2021 Texas Statutes|Insurance Code|Title 8 - Health Insurance and Other Health Coverages|Subtitle B - Group Health Coverage|Chapter 1251 - Group and Blanket Health Insurance|Subchapter B. Group Accident and Health Insurance: Eligible Policyholders|Section 1251.053. Funds Established by Employers, Labor Unions, or Associations

Sec. 1251.053.  FUNDS ESTABLISHED BY EMPLOYERS, LABOR UNIONS, OR ASSOCIATIONS.  (a)  A group accident and health insurance policy may be issued to the trustees of a fund established by two or more employers in the same or related industry, by one or more labor unions, by one or more employers and one or more labor unions, or by an association described by Section 1251.052 to insure the active and retired employees of the employers, members of the union or association, or employees of the association for the benefit of persons other than the employers, union, or association.(b)  A policy issued to the trustees of a fund established by employers or a labor union or association may provide that the term "employee" includes:(1)  an officer or manager of the employer;(2)  an individual proprietor or partner, if the employer is an individual proprietorship or partnership;  or(3)  a trustee, an employee of the trustees, or both, if the person's duties are principally connected with the trusteeship.(c)  The trustees of a fund established by employers or a labor union or association are the policyholder under a policy to which this section applies.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 3, eff. April 1, 2005.|
TX Ins Code § 1251.054 (2021)
2021 Texas Statutes|Insurance Code|Title 8 - Health Insurance and Other Health Coverages|Subtitle B - Group Health Coverage|Chapter 1251 - Group and Blanket Health Insurance|Subchapter B. Group Accident and Health Insurance: Eligible Policyholders|Section 1251.054. Eligibility for Group Life Insurance

Sec. 1251.054.  ELIGIBILITY FOR GROUP LIFE INSURANCE.  A group accident and health insurance policy may be issued to any individual or organization to which a policy of group life insurance may be issued or delivered in this state to insure any class or classes of individuals that could be insured under the group life policy.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 3, eff. April 1, 2005.|
TX Ins Code § 1251.055 (2021)
2021 Texas Statutes|Insurance Code|Title 8 - Health Insurance and Other Health Coverages|Subtitle B - Group Health Coverage|Chapter 1251 - Group and Blanket Health Insurance|Subchapter B. Group Accident and Health Insurance: Eligible Policyholders|Section 1251.055. Fund for Former Employees and Members

Sec. 1251.055.  FUND FOR FORMER EMPLOYEES AND MEMBERS.  (a)  An insurer may issue a group accident and health insurance policy to a trustee of a fund to insure former employees, former members, and the spouses, former spouses, and dependents of former employees and members who were previously insured by the insurer under a policy issued to any entity described by this subchapter.(b)  The trustee of a fund is the policyholder under a policy to which this section applies.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 3, eff. April 1, 2005.|
TX Ins Code § 1251.056 (2021)
2021 Texas Statutes|Insurance Code|Title 8 - Health Insurance and Other Health Coverages|Subtitle B - Group Health Coverage|Chapter 1251 - Group and Blanket Health Insurance|Subchapter B. Group Accident and Health Insurance: Eligible Policyholders|Section 1251.056. Other Groups

Sec. 1251.056.  OTHER GROUPS.  (a)  Under the requirements prescribed by this section, a group accident and health insurance policy may be issued to cover a group other than a group described by Sections 1251.051-1251.055 if the commissioner determines that:(1)  the issuance of the policy is not contrary to the best interest of the public;(2)  the issuance of the policy would result in economies of acquisition or administration;  and(3)  the benefits are reasonable in relation to the premiums charged.(b)  Group accident and health insurance coverage may not be offered to a group in this state by an insurer under a policy issued in another state unless this state or another state having requirements substantially similar to those prescribed by Subsections (a)(1)-(3) has determined that those requirements have been met.(c)  The premium for the policy must be paid from the policyholder's funds, funds contributed by the covered persons, or both.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 3, eff. April 1, 2005.|
TX Ins Code § 1251.101 (2021)
2021 Texas Statutes|Insurance Code|Title 8 - Health Insurance and Other Health Coverages|Subtitle B - Group Health Coverage|Chapter 1251 - Group and Blanket Health Insurance|Subchapter C. Group Accident and Health Insurance: Required Provisions|Section 1251.101. Required Provisions

Sec. 1251.101.  REQUIRED PROVISIONS.  (a)  A group accident and health insurance policy, including a group contract issued by a group hospital service corporation, may not be delivered in this state unless the policy contains in substance the provisions prescribed by this subchapter or provisions in relation to provisions prescribed by this subchapter that, in the opinion of the commissioner, are:(1)  more favorable to the insureds under the policy;  or(2)  at least as favorable to the insureds under the policy and more favorable to the policyholder.(b)  The standard provisions required for individual health insurance policies do not apply to group health insurance policies.(c)  If any provision of this subchapter is wholly or partly inapplicable to or inconsistent with the coverage provided by a particular form of policy, the insurer, with the approval of the commissioner, shall:(1)  omit the inapplicable provision or part from the policy;  or(2)  modify the inconsistent provision in a manner that makes the provision as contained in the policy consistent with the coverage provided by the policy.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 3, eff. April 1, 2005.|
TX Ins Code § 1251.102 (2021)
2021 Texas Statutes|Insurance Code|Title 8 - Health Insurance and Other Health Coverages|Subtitle B - Group Health Coverage|Chapter 1251 - Group and Blanket Health Insurance|Subchapter C. Group Accident and Health Insurance: Required Provisions|Section 1251.102. Payment of Premiums

Sec. 1251.102.  PAYMENT OF PREMIUMS.  A group accident and health insurance policy must provide that premiums due under the policy must be remitted by the premium payor as designated in the policy:(1)  on or before the due date;  or(2)  within any grace period specified in the policy.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 3, eff. April 1, 2005.|
TX Ins Code § 1251.103 (2021)
2021 Texas Statutes|Insurance Code|Title 8 - Health Insurance and Other Health Coverages|Subtitle B - Group Health Coverage|Chapter 1251 - Group and Blanket Health Insurance|Subchapter C. Group Accident and Health Insurance: Required Provisions|Section 1251.103. Incontestability of Policy

Sec. 1251.103.  INCONTESTABILITY OF POLICY.  (a)  A group accident and health insurance policy must provide that:(1)  the validity of the policy may not be contested after the policy has been in force for two years after its date of issue;  and(2)  in the absence of fraud, a statement made by any individual covered by the policy relating to the individual's insurability may not be used in contesting the validity of the insurance with respect to which the statement was made:(A)  after the insurance has been in force before the contest for two years during the individual's lifetime;  and(B)  unless the statement is contained in a written instrument signed by the individual making the statement.(b)  Subsection (a)(1) does not apply to a contest based on nonpayment of premiums.(c)  The provisions required by this section do not preclude the assertion at any time of a defense based on:(1)  a provision in the policy that relates to eligibility for coverage;(2)  a provision in a group accident and health insurance policy or disability insurance policy that relates to overinsurance;(3)  a provision in a disability policy that relates to the relation of earnings to insurance;  or(4)  another similar provision in a group accident and health insurance policy or disability insurance policy that limits the amounts of recovery from all sources to not more than 100 percent of the total actual losses or expenses incurred.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 3, eff. April 1, 2005.|
TX Ins Code § 1251.104 (2021)
2021 Texas Statutes|Insurance Code|Title 8 - Health Insurance and Other Health Coverages|Subtitle B - Group Health Coverage|Chapter 1251 - Group and Blanket Health Insurance|Subchapter C. Group Accident and Health Insurance: Required Provisions|Section 1251.104. Entire Contract

Sec. 1251.104.  ENTIRE CONTRACT.  A group accident and health insurance policy must provide that the policy and any application attached to the policy constitute the entire contract between the parties.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 3, eff. April 1, 2005.|
TX Ins Code § 1251.105 (2021)
2021 Texas Statutes|Insurance Code|Title 8 - Health Insurance and Other Health Coverages|Subtitle B - Group Health Coverage|Chapter 1251 - Group and Blanket Health Insurance|Subchapter C. Group Accident and Health Insurance: Required Provisions|Section 1251.105. Statement Made by Policyholder or Insured

Sec. 1251.105.  STATEMENT MADE BY POLICYHOLDER OR INSURED.  A group accident and health insurance policy must provide that:(1)  in the absence of fraud, a statement made by the policyholder or an insured is considered a representation and not a warranty;  and(2)  a statement made by the policyholder or an insured may not be used in any contest under the policy, unless a copy of the written instrument containing the statement is or has been provided to:(A)  the person making the statement;  or(B)  if the statement was made by the insured and the insured has died or become incapacitated, the insured's beneficiary or personal representative.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 3, eff. April 1, 2005.|
TX Ins Code § 1251.106 (2021)
2021 Texas Statutes|Insurance Code|Title 8 - Health Insurance and Other Health Coverages|Subtitle B - Group Health Coverage|Chapter 1251 - Group and Blanket Health Insurance|Subchapter C. Group Accident and Health Insurance: Required Provisions|Section 1251.106. Distinction Based on Marital Status Prohibited

Sec. 1251.106.  DISTINCTION BASED ON MARITAL STATUS PROHIBITED.  A group accident and health insurance policy must include a provision that prohibits a distinction on the basis of the marital status or lack of marital status between an insured and the other parent in the determination of the dependents or the beneficiaries of the insured, or both.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 3, eff. April 1, 2005.|
TX Ins Code § 1251.107 (2021)
2021 Texas Statutes|Insurance Code|Title 8 - Health Insurance and Other Health Coverages|Subtitle B - Group Health Coverage|Chapter 1251 - Group and Blanket Health Insurance|Subchapter C. Group Accident and Health Insurance: Required Provisions|Section 1251.107. Evidence of Insurability

Sec. 1251.107.  EVIDENCE OF INSURABILITY.  A group accident and health insurance policy must state the conditions, if any, under which the insurer reserves the right to require an individual eligible for insurance to provide evidence of individual insurability satisfactory to the insurer as a condition of obtaining part or all of the coverage.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 3, eff. April 1, 2005.|
TX Ins Code § 1251.108 (2021)
2021 Texas Statutes|Insurance Code|Title 8 - Health Insurance and Other Health Coverages|Subtitle B - Group Health Coverage|Chapter 1251 - Group and Blanket Health Insurance|Subchapter C. Group Accident and Health Insurance: Required Provisions|Section 1251.108. Exclusion or Limitation of Coverage for Preexisting Conditions

Sec. 1251.108.  EXCLUSION OR LIMITATION OF COVERAGE FOR PREEXISTING CONDITIONS.  (a)  A group accident and health insurance policy must specify the additional exclusions or limitations, if any, applicable under the policy with respect to a disease or physical condition of an insured, not otherwise excluded from the insured's coverage by name or specific description effective on the date of the insured's loss, that existed before the effective date of the insured's coverage under the policy.(b)  An exclusion or limitation described by Subsection (a) may apply only to a disease or physical condition for which the insured received medical advice or treatment during the 12 months before the effective date of the insured's coverage.(c)  An exclusion or limitation described by Subsection (a) may not apply to a loss incurred or disability beginning after the earlier of:(1)  the end of 12 consecutive months, beginning on or after the effective date of the insured's coverage, during which the insured has not received medical advice or treatment in connection with the disease or physical condition;  or(2)  the second anniversary of the effective date of the insured's coverage.(d)  This section does not apply to:(1)  a credit accident and health insurance policy;  or(2)  a group accident and health insurance policy subject to Chapter 1501.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 3, eff. April 1, 2005.|
TX Ins Code § 1251.109 (2021)
2021 Texas Statutes|Insurance Code|Title 8 - Health Insurance and Other Health Coverages|Subtitle B - Group Health Coverage|Chapter 1251 - Group and Blanket Health Insurance|Subchapter C. Group Accident and Health Insurance: Required Provisions|Section 1251.109. Adjustment of Premiums or Benefits if Age of Insured Is Misstated

Sec. 1251.109.  ADJUSTMENT OF PREMIUMS OR BENEFITS IF AGE OF INSURED IS MISSTATED.  (a)  A group accident and health insurance policy under which the premiums or benefits vary by age must specify an equitable adjustment of premiums or benefits, or both, to be made if the age of an insured has been misstated.(b)  The provision required by Subsection (a) must contain a clear statement of the method of adjustment to be used.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 3, eff. April 1, 2005.|
TX Ins Code § 1251.110 (2021)
2021 Texas Statutes|Insurance Code|Title 8 - Health Insurance and Other Health Coverages|Subtitle B - Group Health Coverage|Chapter 1251 - Group and Blanket Health Insurance|Subchapter C. Group Accident and Health Insurance: Required Provisions|Section 1251.110. Deadline for Notice of Claim

Sec. 1251.110.  DEADLINE FOR NOTICE OF CLAIM.  (a)  A group accident and health insurance policy must provide that written notice of a claim must be given to the insurer not later than the 20th day after the date of the occurrence or beginning of any loss covered by the policy.(b)  Failure to give notice within the time prescribed by Subsection (a) does not invalidate or reduce any claim if it is shown that:(1)  it was not reasonably possible to give the notice within that time;  and(2)  notice was given as soon as was reasonably possible.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 3, eff. April 1, 2005.|
TX Ins Code § 1251.111 (2021)
2021 Texas Statutes|Insurance Code|Title 8 - Health Insurance and Other Health Coverages|Subtitle B - Group Health Coverage|Chapter 1251 - Group and Blanket Health Insurance|Subchapter C. Group Accident and Health Insurance: Required Provisions|Section 1251.111. Claim Forms

Sec. 1251.111.  CLAIM FORMS.  (a)  A group accident and health insurance policy must provide that the insurer will furnish to the person making a claim or to the policyholder for delivery to a person making a claim the forms usually provided by the insurer for filing a proof of loss.(b)  If the forms for a proof of loss are not provided before the 16th day after the date the insurer received notice of a claim under the policy, the person making the claim is considered to have complied with the requirements of the policy as to proof of loss on submitting, within the time set in the policy for filing proof of loss, written proof covering the occurrence, character, and extent of the loss for which the claim is made.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 3, eff. April 1, 2005.|