reglab/housing_qa huggingface dataset:
36 OK Stat § 36-6470.30.1 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-6470.30.1. Requirements for writing business.

|The business written by a sponsored captive insurance company with respect to each protected cell must be: |1. Fronted by an insurance company licensed pursuant to the laws of any state or any jurisdiction if the insurance company is a wholly owned subsidiary of an insurance company licensed pursuant to the laws of any state;2. Reinsured by a reinsurer authorized or approved by this state; or3. Secured by a trust fund in the United States for the benefit of policyholders and claimants or funded by an irrevocable letter of credit or other asset acceptable to the Insurance Commissioner. The amount of security provided may not be less than the reserves associated with those liabilities, not fronted or reinsured, including reserves for losses, allocated loss adjustment expenses, incurred but unreported losses, and unearned premiums for business written through the protected cell of the participant. The Insurance Commissioner may require the sponsored captive to increase the funding of any security arrangement established pursuant to this subsection. If the form of security is a letter of credit, the letter of credit must be established, issued, or confirmed by a financial institution chartered in this state, a member of the federal reserve system, or a bank chartered by another state if that state-chartered bank is acceptable to the Insurance Commissioner. A trust and trust instrument maintained pursuant to this item must be in a form and upon terms approved by the Insurance Commissioner.Added by Laws 2013, c. 41, § 3, eff. Nov. 1, 2013.
36 OK Stat § 36-6470.31 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-6470.31. Participants in sponsored captive insurance company.

|A. An association, a corporation, a limited liability company, a partnership, a trust, or other business entity may be a participant in a sponsored captive insurance company formed or licensed pursuant to the Oklahoma Captive Insurance Company Act. |B. A sponsor may be a participant in a sponsored captive insurance company.C. A participant need not be an owner of the sponsored captive insurance company or an affiliate of the company.D. Unless otherwise approved by the Insurance Commissioner, a participant may insure through a sponsored captive insurance company only its own risks or the risks of its affiliates who are participants.Added by Laws 2004, c. 334, § 38, emerg. eff. May 25, 2004. Amended by Laws 2013, c. 41, § 23, eff. Nov. 1, 2013.
36 OK Stat § 36-6470.31.1 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-6470.31.1. Combination of assets.

|Notwithstanding the provisions of paragraph 2 of subsection B of Section 6470.29 of Title 36 of the Oklahoma Statutes, a sponsored captive insurance company may combine the assets of two or more protected cells for purposes of investing those assets. Such a combination of assets may not be construed as defeating the segregation of assets required by this act, or for accounting or other purposes. |Added by Laws 2013, c. 41, § 4, eff. Nov. 1, 2013.
36 OK Stat § 36-6470.34 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-6470.34. Entity-protected cell.

|A. A protected cell of a sponsored captive insurance company may be formed as an entity-protected cell. "Entity-protected cell" means a protected cell that is established as any type of legal entity separate from the sponsored captive insurance company of which it is a part. |B. Subject to the prior written approval of the sponsored captive insurance company and of the Insurance Commissioner, an entity-protected cell shall be entitled to enter into contracts and undertake obligations in its own name and for its own account. In the case of a contract or obligation to which the sponsored captive insurance company is not a party, either in its own name and for its own account or on behalf of a protected cell, the counterparty to the contract or obligation shall have no right or recourse against the sponsored captive insurance company and its assets other than against assets properly attributable to the entity-protected cell that is a party to the contract or obligation.C. The articles of incorporation or articles of organization of an entity-protected cell shall refer to the sponsored captive insurance company for which it is a protected cell and shall state that the protected cell is incorporated or organized for the limited purposes authorized by the sponsored captive insurance company's license. A copy of the prior written approval of the Commissioner to add the entity-protected cell, required by Section 6470.29 of Title 36 of the Oklahoma Statutes, shall be attached to and filed with the articles of incorporation or the articles of organization.D. Sponsored captive insurance companies, including those licensed as special purpose captive insurance companies, shall have the option to establish one or more protected cells as a separate corporation, mutual corporation, nonprofit corporation, limited liability company, or reciprocal insurer. This section shall not be construed to limit any rights or protections applicable to protected cells not established as corporations, mutual corporations, nonprofit corporations, limited liability companies, or reciprocal insurers.Added by Laws 2015, c. 298, § 27, eff. Nov. 1, 2015.
36 OK Stat § 36-6470.35 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-6470.35. Dormant captive insurance company – Certificate of dormancy.

|A. As used in this section, "dormant captive insurance company" means a captive insurance company that has: |1. Ceased transacting the business of insurance, including the issuance of insurance policies; and2. No remaining liabilities associated with insurance business transactions or insurance policies issued prior to the filing of its application for a certificate of dormancy under this section.B. A dormant captive insurance company domiciled in this state that meets the criteria of subsection A of this section may apply to the Insurance Commissioner for a certificate of dormancy. The certificate of dormancy shall be subject to renewal every five (5) years and shall be forfeited if not renewed within such time.C. A dormant captive insurance company that has been issued a certificate of dormancy shall:1. Possess and thereafter maintain unimpaired, paid-in capital and surplus of not less than Twenty-five Thousand Dollars ($25,000.00);2. Submit on or before March 1 of each year to the Insurance Commissioner a report of its financial condition, verified by an oath of two of its executive officers, in a form prescribed by the Insurance Commissioner; and3. Pay a nonrefundable renewal fee of Five Hundred Dollars ($500.00).D. A dormant captive insurance company shall not be subject to or liable for the payment of any tax under Section 6753 of Title 36 of the Oklahoma Statutes.E. A dormant captive insurance company shall apply to the Insurance Commissioner for approval to surrender its certificate of dormancy and resume conducting the business of insurance prior to issuing any insurance policies.F. A certificate of dormancy shall be revoked if a dormant captive insurance company no longer meets the criteria of subsection A of this section.G. A dormant captive insurance company may be subject to examination under Section 6470.13 of Title 36 of the Oklahoma Statutes for any year when it did not qualify as a dormant captive insurance company. The Insurance Commissioner may examine a dormant captive insurance company pursuant to Section 6470.13 of Title 36 of the Oklahoma Statutes.H. The Insurance Commissioner may promulgate and adopt rules and regulations implementing the provisions of this section.Added by Laws 2021, c. 478, § 33, emerg. eff. May 12, 2021.
36 OK Stat § 36-6475.1 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-6475.1. Uniform Health Carrier External Review Act.

|Sections 25 through 41 of this act shall be known and may be cited as the “Uniform Health Carrier External Review Act”. |Added by Laws 2011, c. 278, § 35. Amended by Laws 2011, c. 360, § 25.
36 OK Stat § 36-6475.2 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-6475.2. Purpose.

|The purpose of the Uniform Health Carrier External Review Act is to provide uniform standards for the establishment and maintenance of external review procedures to assure that covered persons have the opportunity for an independent review of an adverse determination or final adverse determination, as defined in this act. |Added by Laws 2011, c. 278, § 36 and Laws 2011, c. 360, § 26.NOTE: Laws 2011, c. 278, § 36 and Laws 2011, c. 360, § 26 added identical sections under the same number.
36 OK Stat § 36-6475.4 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-6475.4. Applicability of act.

|A. Except as provided in subsection B of this section, the Uniform Health Carrier External Review Act shall apply to all health carriers. |B. The provisions of the Uniform Health Carrier External Review Act shall not apply to a policy or certificate that provides coverage only for a specified disease, specified accident or accident-only coverage, credit, dental, disability income, hospital indemnity, long-term care insurance, as defined in Section 4424 of Title 36 of the Oklahoma Statutes, vision care or any other limited supplemental benefit or to a Medicare supplement policy of insurance, as defined in Section 3611.1 of Title 36 of the Oklahoma Statutes, coverage under a plan through Medicare, Medicaid, or the federal employees health benefits program, any coverage issued under Chapter 55 of Title 10, U.S. Code and any coverage issued as supplement to that coverage, any coverage issued as supplemental to liability insurance, workers’ compensation or similar insurance, automobile medical-payment insurance or any insurance under which benefits are payable with or without regard to fault, whether written on a group blanket or individual basis.Added by Laws 2011, c. 278, § 38 and Laws 2011, c. 360, § 28.NOTE: Laws 2011, c. 278, § 38 and Laws 2011, c. 360, § 28 added identical sections under the same number.
36 OK Stat § 36-6475.6 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-6475.6. Form of external review requests.

|A. 1. Except for a request for an expedited external review as set forth in Section 33 of this act, all requests for external review shall be made in writing to the Insurance Commissioner. |2. The Commissioner may prescribe by rule the form and content of external review requests required to be submitted under this section.B. A covered person or the covered person’s authorized representative may make a request for an external review of an adverse determination or final adverse determination.Added by Laws 2011, c. 278, § 40. Amended by Laws 2011, c. 360, § 30.
36 OK Stat § 36-6475.11 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-6475.11. Binding power of external review decision.

|A. An external review decision is binding on the health carrier except to the extent the health carrier has other remedies available under applicable state law. |B. An external review decision is binding on the covered person except to the extent the covered person has other remedies available under applicable federal or state law.C. A covered person or the covered person’s authorized representative shall not file a subsequent request for external review involving the same adverse determination or final adverse determination for which the covered person has already received an external review decision pursuant to the Uniform Health Carrier External Review Act.Added by Laws 2011, c. 278, § 45 and Laws 2011, c. 360, § 35.NOTE: Laws 2011, c. 278, § 45 and Laws 2011, c. 360, § 35 added identical sections under the same number.
36 OK Stat § 36-6475.14 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-6475.14. Employee liability.

|No independent review organization or clinical reviewer working on behalf of an independent review organization or an employee, agent or contractor of an independent review organization shall be liable in damages to any person for any opinions rendered or acts or omissions performed within the scope of the organization’s or person’s duties under the law during or upon completion of an external review conducted pursuant to the Uniform Health Carrier External Review Act, unless the opinion was rendered or act or omission performed in bad faith or involved gross negligence. |Added by Laws 2011, c. 278, § 48. Amended by Laws 2011, c. 360, § 38.
36 OK Stat § 36-6475.15 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-6475.15. Written records.

|A. 1. An independent review organization assigned pursuant to Section 32, 33 or 34 of this act to conduct an external review shall maintain written records in the aggregate by state and by health carrier on all requests for external review for which it conducted an external review during a calendar year and, upon request, submit a report to the Insurance Commissioner, as required under paragraph 2 of this subsection. |2. Each independent review organization required to maintain written records on all requests for external review pursuant to paragraph 1 of this subsection for which it was assigned to conduct an external review shall submit to the Commissioner, upon request, a report in the format specified by the Commissioner.3. The report shall include in the aggregate by state, and for each health carrier:a.the total number of requests for external review,b.the number of requests for external review resolved and, of those resolved, the number resolved upholding the adverse determination or final adverse determination and the number resolved reversing the adverse determination or final adverse determination,c.the average length of time for resolution,d.a summary of the types of coverages or cases for which an external review was sought, as provided in the format required by the Commissioner,e.the number of external reviews pursuant to subsection G of Section 32 of this act that were terminated as the result of a reconsideration by the health carrier of its adverse determination or final adverse determination after the receipt of additional information from the covered person or the covered person’s authorized representative, andf.any other information the Commissioner may request or require.4. The independent review organization shall retain the written records required pursuant to this subsection for at least three (3) years.B. 1. Each health carrier shall maintain written records in the aggregate, by state and for each type of health benefit plan offered by the health carrier on all requests for external review that the health carrier receives notice of from the Commissioner pursuant to this act.2. Each health carrier required to maintain written records on all requests for external review pursuant to paragraph 1 of this subsection shall submit to the Commissioner, upon request, a report in the format specified by the Commissioner.3. The report shall include in the aggregate, by state, and by type of health benefit plan:a.the total number of requests for external review,b.from the total number of requests for external review reported under subparagraph a of this paragraph, the number of requests determined eligible for a full external review, andc.any other information the Commissioner may request or require.4. The health carrier shall retain the written records required pursuant to this subsection for at least three (3) years.Added by Laws 2011, c. 278, § 49. Amended by Laws 2011, c. 360, § 39.
36 OK Stat § 36-6475.16 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-6475.16. Cost of independent review organization.

|The health carrier against which a request for a standard external review or an expedited external review is filed shall pay the cost of the independent review organization for conducting the external review. |Added by Laws 2011, c. 278, § 50 and Laws 2011, c. 360, § 40.NOTE: Laws 2011, c. 278, § 50 and Laws 2011, c. 360, § 40 added identical sections under the same number.
36 OK Stat § 36-6475.17 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-6475.17. Description of external review procedures.

|A. 1. Each health carrier shall include a description of the external review procedures in or attached to the policy, certificate, membership booklet, outline of coverage or other evidence of coverage it provides to covered persons. |2. The disclosure required by paragraph 1 of this subsection shall be in a format prescribed by the Insurance Commissioner.B. The description required under subsection A of this section shall include a statement that informs the covered person of the right of the covered person to file a request for an external review of an adverse determination or final adverse determination with the Commissioner. The statement shall explain that external review is available when the adverse determination or final adverse determination involves an issue of medical necessity, appropriateness, health care setting, level of care or effectiveness. The statement shall include the telephone number and address of the Commissioner.C. In addition to subsection B of this section, the statement shall inform the covered person that, when filing a request for an external review, the covered person will be required to authorize the release of any medical records of the covered person that may be required to be reviewed for the purpose of reaching a decision on the external review.Added by Laws 2011, c. 278, § 51 and Laws 2011, c. 360, § 41.NOTE: Laws 2011, c. 278, § 51 and Laws 2011, c. 360, § 41 added identical sections under the same number.
36 OK Stat § 36-6511 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-6511. Short title.

|Sections 6511 through 6518 and Sections 5 through 15 of this act shall be known and may be cited as the "Small Employer Health Insurance Reform Act". |Added by Laws 1992, c. 329, § 1, eff. Sept. 1, 1992. Amended by Laws 1994, c. 211, § 1, eff. July 1, 1994.
36 OK Stat § 36-6513 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-6513. Application of act to certain group health benefit plans.

|A. Except as otherwise provided in this section and in Section 3 of this act, the Small Employer Health Insurance Reform Act shall apply to any group health benefit plan that provides coverage to two (2) or more eligible employees of a small employer in this state and to individual health benefits plans providing coverage for the eligible employees of a small employer which may include the employer when three (3) or more of such individual plans are sold to a small employer if any of the following conditions are met: |1. Any portion of the premium or benefits is paid by or on behalf of the small employer;2. An eligible employee or dependent is reimbursed, whether through wage adjustments or otherwise, by or on behalf of the small employer for any portion of the premium; or3. The health benefit plan is treated by the employer or any of the eligible employees or dependents as part of a plan or program for the purposes of Section 162 or Section 106 of the United States Internal Revenue Code.B. 1. Except as provided in paragraph 2 of this subsection, for the purposes of the Small Employer Health Insurance Reform Act, carriers that are affiliated companies or that are eligible to file a consolidated tax return shall be treated as one carrier and any restrictions or limitations imposed by the Small Employer Health Insurance Reform Act shall apply as if all health benefit plans issued to small employers in this state by such affiliated carriers were issued by one carrier, unless on or before July 1, 1992, the respective affiliate carriers operated with separate books of business as insurers of health benefit plans in which event each such affiliate carrier shall be treated as a separate carrier.2. An affiliated carrier that is a health maintenance organization granted a certificate of authority by the Insurance Commissioner pursuant to the provisions of Sections 6901 through 6951 of Title 36 of the Oklahoma Statutes may be considered to be a separate carrier for the purposes of the Small Employer Health Insurance Reform Act.Added by Laws 1992, c. 329, § 3, eff. Sept. 1, 1992. Amended by Laws 1994, c. 211, § 3, eff. July 1, 1994; Laws 1999, c. 360, § 1, eff. July 1, 1999; Laws 2000, c. 171, § 3, eff. July 1, 2000; Laws 2012, c. 151, § 2, eff. Nov. 1, 2012; Laws 2019, c. 265, § 2, eff. Nov. 1, 2019.
36 OK Stat § 36-6514 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-6514. Classes of business - Criteria to establish - Number - Rules - Additional classes.

|A. A small employer carrier may establish a class of business only to reflect substantial differences in expected claims experience or administrative costs related to the following reasons: |1. The small employer carrier uses more than one type of system for the marketing and sale of health benefit plans to small employers;2. The small employer carrier has acquired a class of business from another small employer carrier; or3. The small employer carrier provides coverage to one or more association groups that meet the requirements of an association as set forth in Section 4501 of this title.B. A small employer carrier may establish up to nine separate classes of business under subsection A of this section.C. The Insurance Commissioner may establish rules to provide for a period of transition in order for a small employer carrier to come into compliance with subsection B of this section in the instance of acquisition of an additional class of business from another small employer carrier.D. The Commissioner may approve the establishment of additional classes of business upon application to the Commissioner and a finding by the Commissioner that such action would enhance the efficiency and fairness of the small employer marketplace.E. A small employer carrier shall offer each product currently marketed to all classes of business established pursuant to this section.Added by Laws 1992, c. 329, § 4, eff. Sept. 1, 1992. Amended by Laws 2001, c. 363, § 26, eff. July 1, 2001.