reglab/housing_qa huggingface dataset:
NC Gen Stat § 58-51-45 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 51 - Nature of Policies.|§ 58-51-45 - Policies to be issued to any person possessing the sickle cell trait or hemoglobin C trait.

 58-51-45. Policies to be issued to any person possessing the sickle cell trait or hemoglobin C trait.No insurance company licensed in this State pursuant to the provisions of Articles 1 through 64 of this Chapter shall refuse to issue or deliver any policy (regardless of whether any of such policies shall be defined as individual, family, group, blanket, franchise, industrial or otherwise) which is currently being issued for delivery in this State, and which affords benefits or coverage for any medical treatment or service authorized or permitted to be furnished by a hospital, clinic, family health plan, neighborhood health plan, health maintenance organization, physician, physician's assistant, nurse practitioner or any medical service facility or personnel by reason of the fact that the person to be insured possesses sickle cell trait or hemoglobin C trait, nor shall any such policy issued and delivered in this State carry a higher premium rate or charge by reason of the fact that the person to be insured possesses said trait. (1975, c. 599, s. 1.)
NC Gen Stat § 58-51-55 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 51 - Nature of Policies.|§ 58-51-55 - No discrimination against mentally ill or chemically dependent individuals.

 58-51-55. No discrimination against mentally ill or chemically dependent individuals.(a) Definitions. - As used in this section, the term:(1) "Mental illness" has the same meaning as defined in G.S. 122C-3(21), with a mental disorder defined in the Diagnostic and Statistical Manual of Mental Disorders, DSM-5, or a subsequent edition published by the American Psychiatric Association, except those mental disorders coded in the DSM-5 or subsequent editions as autism spectrum disorder (299.00), substance-related disorders (291.0 through 292.9 and 303.0 through 305.9), those coded as sexual dysfunctions not due to organic disease (302.70 through 302.79), and those coded as "V" codes.(2) "Chemical dependency" has the same meaning as defined in G.S. 58-51-50, with a mental disorder defined in the Diagnostic and Statistical Manual of Mental Disorders, DSM-5, or subsequent editions published by the American Psychiatric Association.(b) Coverage of Physical Illness. - No insurance company licensed in this State under this Chapter shall, solely because an individual to be insured has or had a mental illness or chemical dependency:(1) Refuse to issue or deliver to that individual any policy that affords benefits or coverages for any medical treatment or service for physical illness or injury;(2) Have a higher premium rate or charge for physical illness or injury coverages or benefits for that individual; or(3) Reduce physical illness or injury coverages or benefits for that individual.(b1) [Expired October 1, 2001.](c) Chemical Dependency Coverage Not Required. - Nothing in this section requires an insurer to offer coverage for chemical dependency, except as provided in G.S. 58-51-50.(d) Applicability. - This section applies only to group health insurance contracts, other than excepted benefits as defined in G.S. 58-68-25. For purposes of this section, "group health insurance contracts" include MEWAs, as defined in G.S. 58-50A-1.(e) Nothing in this section requires an insurer to cover treatment or studies leading to or in connection with sex changes or modifications and related care.  (1989, c. 369, s. 3; 1991, c. 720, s. 81; 1997-259, s. 21; 1999-132, s. 4.2; 2007-268, s. 1; 2015-271, s. 3; 2019-202, s. 8; 2020-69, s. 3(f).)
NC Gen Stat § 58-51-58 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 51 - Nature of Policies.|§ 58-51-58 - Coverage for prostate-specific antigen (PSA) tests.

 58-51-58. Coverage for prostate-specific antigen (PSA) tests.(a) Every policy or contract of accident and health insurance, and every preferred provider benefit plan under G.S. 58-50-56, that is issued, renewed, or amended on or after January 1, 1994, shall provide coverage for prostate-specific antigen (PSA) tests or equivalent tests for the presence of prostate cancer. The same deductibles, coinsurance, and other limitations as apply to similar services covered under the policy, contract, or plan shall apply to coverage for prostate-specific antigen (PSA) tests or equivalent tests for the presence of prostate cancer.(b) As used in this section, "prostate-specific antigen (PSA) tests or equivalent tests for the presence of prostate cancer" means serological tests for determining the presence of prostate cytoplasmic protein (PSA) and the generation of antibodies to it, as a novel marker for prostatic disease.(c) Coverage for prostate-specific antigen (PSA) tests or equivalent tests for the presence of prostate cancer shall be provided when recommended by a physician. (1993, c. 269, s. 1; 1997-519, s. 3.4.)
NC Gen Stat § 58-51-59 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 51 - Nature of Policies.|§ 58-51-59 - Coverage of certain prescribed drugs for cancer treatment.

 58-51-59. Coverage of certain prescribed drugs for cancer treatment.(a) No policy or contract of accident or health insurance, and no preferred provider benefit plan under G.S. 58-50-56, that is issued, renewed, or amended on or after January 1, 1994, and that provides coverage for prescribed drugs approved by the federal Food and Drug Administration for the treatment of certain types of cancer shall exclude coverage of any drug on the basis that the drug has been prescribed for the treatment of a type of cancer for which the drug has not been approved by the federal Food and Drug Administration. The drug, however, must be approved by the federal Food and Drug Administration and must have been proven effective and accepted for the treatment of the specific type of cancer for which the drug has been prescribed in any one of the following established reference compendia:(1) The National Comprehensive Cancer Network Drugs & Biologics Compendium;(2) The ThomsonMicromedex DrugDex;(3) The Elsevier Gold Standard's Clinical Pharmacology; or(4) Any other authoritative compendia as recognized periodically by the United States Secretary of Health and Human Services.(b) Notwithstanding subsection (a) of this section, coverage shall not be required for any experimental or investigational drugs or any drug that the federal Food and Drug Administration has determined to be contraindicated for treatment of the specific type of cancer for which the drug has been prescribed.(c) This section shall apply only to cancer drugs and nothing in this section shall be construed, expressly or by implication, to create, impair, alter, limit, notify, enlarge, abrogate, or prohibit reimbursement for drugs used in the treatment of any other disease or condition.  (1993, c. 506, s. 4.1; 1997-519, s. 3.5; 2009-170, s. 1.)
NC Gen Stat § 58-51-60 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 51 - Nature of Policies.|§ 58-51-60 - Meaning of term "preexisting conditions" in certain policies.

 58-51-60. Meaning of term "preexisting conditions" in certain policies.At the time of issuing any new policy of individual or family hospitalization insurance or individual accident and health insurance to insureds over age 65, the term "preexisting conditions," or its equivalent in said policy shall include only conditions specifically eliminated by rider. (1955, c. 850, s. 5.)
NC Gen Stat § 58-51-61 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 51 - Nature of Policies.|§ 58-51-61 - Coverage for certain treatment for diabetes.

 58-51-61. Coverage for certain treatment for diabetes.(a) Every policy or contract of accident or health insurance, and every preferred provider benefit plan under G.S. 58-50-56, that is issued, renewed, or amended on or after October 1, 1997, shall provide coverage for medically appropriate and necessary services, including diabetes outpatient self-management training and educational services, and equipment, supplies, medications, and laboratory procedures used to treat diabetes. Diabetes outpatient self-management training and educational services shall be provided by a physician or a health care professional designated by the physician. The insurer shall determine who shall provide and be reimbursed for the diabetes outpatient self-management training and educational services. The same deductibles, coinsurance, and other limitations as apply to similar services covered under the policy, contract, or plan shall apply to the diabetes coverage required under this section.(b) For the purposes of this section, "physician" is a person licensed to practice in this State under Article 1 or Article 7 of Chapter 90 of the General Statutes. (1997-225, s. 1; 1997-519, s. 3.11.)
NC Gen Stat § 58-51-63 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 51 - Nature of Policies.|§ 58-51-63 - Coverage for abortions not allowed in plans offered through Exchange.

 58-51-63. Coverage for abortions not allowed in plans offered through Exchange.(a) Pursuant to the authority granted to states under 42 U.S.C. 18023(a), no qualified health plan offered through an Exchange created under Subchapter III of Chapter 157 of Title 42 of the U.S. Code and operating within this State shall include coverage for abortion services.(b) The coverage limitation in subsection (a) of this section shall not apply to an abortion performed when the pregnancy is the result of an act of rape or incest or the life of the mother is endangered by a physical disorder, physical illness, or physical injury, including a life-endangering physical condition caused by or arising from the pregnancy itself.  (2013-366, s. 2(a).)
NC Gen Stat § 58-51-65 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 51 - Nature of Policies.|§ 58-51-65 - Industrial sick benefit insurance defined.

 58-51-65. Industrial sick benefit insurance defined.Industrial sick benefit insurance is hereby defined as that form of insurance for which premiums are payable weekly and which provides for the payment of a weekly indemnity on account of sickness or accident in addition to a benefit in case of death. Such death benefit shall not exceed one hundred and fifty dollars ($150.00). There shall be a provision for the payment of weekly premium, eighty percent (80%) of which shall be allocated for the purchase of sick and accident coverages and twenty percent (20%) thereof for the purchase of death benefits. (1945, c. 385.)
NC Gen Stat § 58-51-70 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 51 - Nature of Policies.|§ 58-51-70 - Industrial sick benefit insurance; provisions.

 58-51-70. Industrial sick benefit insurance; provisions.Policies issued under the industrial sick benefit plan shall contain the substance of provisions contained in G.S. 58-51-15 and in addition shall contain the following:(1) A provision for grace for the payment of the additional premium or assessment or proportion thereof for such death benefits of not less than four weeks during which period the death benefit shall continue in force;(2) A provision for incontestability of the death benefit coverage after not more than two years except fora. Nonpayment of premiums, andb. Misstatement of age;(3) A provision that the death benefit is noncancellable by the company except for nonpayment of premium.The Commissioner may approve any form of certificate to be issued under the industrial sick benefit plan which omits or modifies any of the provisions hereinbefore required, if he deems such omission or modification suitable for the character of such insurance and not unjust to the persons insured thereunder. (1945, c. 385; 1953, c. 1095, s. 4; 1979, c. 755, s. 14.)
NC Gen Stat § 58-51-81 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 51 - Nature of Policies.|§ 58-51-81 - Group accident and health insurance for public school students.

 58-51-81. Group accident and health insurance for public school students.(a) Notwithstanding G.S. 58-51-80, a policy of group accident, health, or accident and health insurance may be delivered or issued to a local board of education or to any of its schools, as policyholder, covering only students for amounts of insurance based upon some plan that will preclude individual selection. The premium may be paid by the board, jointly by the board and the students or any other persons on behalf of the students, or by the students and any other persons on behalf of the students. In addition to the authority granted in G.S. 115C-47(6), any board may establish fees for the payment of premiums by or on behalf of the covered students.(b) Entities subject to Articles 65 and 67 of this Chapter may provide their products in the same manner described in subsection (a) of this section. (1993 (Reg. Sess., 1994), c. 716, s. 1.)
NC Gen Stat § 58-51-85 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 51 - Nature of Policies.|§ 58-51-85 - Group or blanket accident and health insurance; approval of forms and filing of rates.

 58-51-85. Group or blanket accident and health insurance; approval of forms and filing of rates.No policy of group or blanket accident, health or accident and health insurance shall be delivered or issued for delivery in this State unless the form of the policy contracts including the master policy contract, the individual certificates thereunder, the applications for the contract, and a schedule of the premium rates pertaining to such form or forms, have been filed with and the forms approved by the Commissioner. (1945, c. 385; 1991, c. 720, s. 34.)
NC Gen Stat § 58-51-90 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 51 - Nature of Policies.|§ 58-51-90 - Definition of franchise accident and health insurance.

 58-51-90. Definition of franchise accident and health insurance.Accident and health insurance on a franchise plan is hereby declared to be that form of accident and health insurance issued to five or more employees of any corporation, copartnership or individual employer or any governmental corporation, agency or department thereof, or 10 or more members of any trade or professional association or of a labor union or of any other association where such association or union has a constitution or bylaws and is formed in good faith for purposes other than that of obtaining insurance, where such persons, with or without their dependents, are issued the same form of an individual policy varying only as to amounts and kinds of coverage applied for by such persons, under an arrangement whereby the premiums on such policies may be paid to the insurer periodically by the employer, with or without payroll deductions, or by the association for its members, or by some designated person acting on behalf of such employer or association. The provisions of this section shall not be construed so as to repeal G.S. 58-51-75 and 58-51-80 or any parts thereof. (1947, c. 721; 1961, c. 646.)
NC Gen Stat § 58-51-100 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 51 - Nature of Policies.|§ 58-51-100 - Credit accident and health insurance.

 58-51-100. Credit accident and health insurance.Credit accident and health insurance is declared to be insurance against death or personal injury by accident or by any specified kind or kinds of accident, and insurance against sickness, ailment, or bodily injury of a debtor who may be indebted to any person, firm, or corporation extending credit to such debtor. The amount of credit accident and health insurance written shall not exceed the installment payment. (1953, c. 1096, s. 2; 1961, c. 1071.)
NC Gen Stat § 58-51-105 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 51 - Nature of Policies.|§ 58-51-105 - Hospitalization insurance defined.

 58-51-105. Hospitalization insurance defined.Hospitalization insurance is declared to be any form of accident and health insurance which provides indemnity or payment for expenses incurred due to or in connection with hospitalization of the insured, or his dependents. (1953, c. 1096, s. 3.)
NC Gen Stat § 58-51-110 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 51 - Nature of Policies.|§ 58-51-110 - Renewal, discontinuance, or replacement of group health insurance.

 58-51-110. Renewal, discontinuance, or replacement of group health insurance.(a) This section applies to group accident, group health, or group accident and health policies or certificates that are delivered, issued for delivery, renewed, or used in this State which provide hospital, surgical, or major medical expense insurance, or any combination of these coverages, on an expense incurred or service basis. It specifically includes a certificate issued under a policy that was issued to a trust located out of this State, but which includes participating employers located in this State. Renewal of these policies or certificates is presumed to occur on the anniversary date that the coverage was first effective on the employees of the employer.(b) Whenever a contract described in subsection (a) of this section is replaced by another group contract within 15 days of termination of coverage of the previous group contract, the liability of the succeeding insurer for insuring persons covered under the previous group contract is:(1) Each person who is eligible for coverage in accordance with the succeeding insurer's plan of benefits, regardless of any other provisions of the new group contract relating to active employment or hospital confinement or pregnancy, shall be covered by the succeeding insurer's plan of benefits; and(2) Each person not covered under the succeeding insurer's plan of benefits in accordance with subdivision (b)(1) of this section must nevertheless be covered by the succeeding insurer if that person was validly covered, including benefit extension, under the prior plan on the date of discontinuance and if the person is a member of the class of persons eligible for coverage under the succeeding insurer's plan. (1989, c. 775, s. 3; 1991, c. 720, s. 88; 1991 (Reg. Sess., 1992), c. 837, s. 4; 2001-334, s. 6.)
NC Gen Stat § 58-51-115 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 51 - Nature of Policies.|§ 58-51-115 - Coordination of benefits with Medicaid.

 58-51-115. Coordination of benefits with Medicaid.(a) As used in this section and in G.S. 58-51-120 and G.S. 58-51-125:(1) "Health benefit plan" means any accident and health insurance policy or certificate; a nonprofit hospital or medical service corporation contract; a health maintenance organization subscriber contract; a plan provided by a multiple employer welfare arrangement; the State Health Plan for Teachers and State Employees and any optional plans or programs operating under Part 2 of Article 3 of Chapter 135 of the General Statutes; or a plan provided by another benefit arrangement. "Health benefit plan" does not mean a Medicare supplement policy as defined in G.S. 58-54-1(5).(2) "Health insurer" means any health insurance company subject to Articles 1 through 63 of this Chapter, including a multiple employee welfare arrangement, and any corporation subject to Articles 65 and 67 of this Chapter; a group health plan, as defined in section 607(1) of the Employee Retirement Income Security Act of 1974; and the State Health Plan for Teachers and State Employees and any optional plans or programs operating under Part 2 of Article 3 of Chapter 135 of the General Statutes.(b) No health insurer shall take into account that an individual is eligible for or is provided medical assistance in this or any other state under 42 U.S.C. 1396a (section 1902 of the Social Security Act) in insuring that individual or making payments under its health benefit plan for benefits to that individual or on that individual's behalf. (1993 (Reg. Sess., 1994), c. 644, s. 1; 1995, c. 193, s. 43; 1999-293, s. 9; 2007-298, s. 8.6; 2007-323, s. 28.22A(o); 2007-345, s. 12.)
NC Gen Stat § 58-51-116 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 51 - Nature of Policies.|§ 58-51-116 - ERISA plans may not require Medicaid to pay first.

 58-51-116. ERISA plans may not require Medicaid to pay first.An employee benefit plan as defined in ERISA shall not include any provision which, because an individual is provided or is eligible for benefits or service pursuant to a State plan under Title XIX of the Social Security Act (Medicaid), has the effect of limiting or excluding coverage or payment for any health care for that individual under the terms of the employee benefit plan, provided that the individual is one who would otherwise be covered or entitled to benefits or services under the employee benefit plan. (1993, c. 321, s. 238.1; 2001-446, s. 4.3.)
NC Gen Stat § 58-51-120 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 51 - Nature of Policies.|§ 58-51-120 - Coverage of children.

 58-51-120. Coverage of children.(a) No health insurer shall deny enrollment of a child under the health benefit plan of the child's parent on any of the following grounds:(1) The child was born out of wedlock.(2) The child is not claimed as a dependent on the parent's federal income tax return.(3) The child does not reside with the parent or in the insurer's service area.(b) If a parent is required by a court or administrative order to provide health benefit plan coverage for a child, and the parent is eligible for family health benefit plan coverage through a health insurer, the health insurer:(1) Must allow the parent to enroll, under the family coverage, a child who is otherwise eligible for the coverage without regard to any enrollment season restrictions.(2) Must enroll the child under family coverage upon application of the child's other parent or the Department of Health and Human Services in connection with its administration of the Medical Assistance or Child Support Enforcement Program if the parent is enrolled but fails to make application to obtain coverage for the child.(3) May not disenroll or eliminate coverage of the child unless the health insurer is provided satisfactory written evidence that:a. The court or administrative order is no longer in effect; orb. The child is or will be enrolled in comparable health benefit plan coverage through another health insurer, which coverage will take effect not later than the effective date of disenrollment.(c) If a child has health benefit plan coverage through the health insurer of a noncustodial parent, that health insurer shall do all of the following:(1) Provide such information to the custodial parent as may be necessary for the child to obtain benefits through that coverage.(2) Permit the custodial parent (or the health care provider, with the custodial parent's approval) to submit claims for covered services without the approval of the noncustodial parent.(3) Make payments on claims submitted in accordance with subdivision (2) of this subsection directly to the custodial parent, the provider, or the Department of Health and Human Services.(d) No health insurer may impose requirements on any State agency that has been assigned the rights of an individual eligible for medical assistance under Medicaid and covered for health benefits from the insurer that are different from requirements applicable to an agent or assignee of any other individual so covered. (1993 (Reg. Sess., 1994), c. 644, s. 1; 1997-443, s. 11A.118(a).)