reglab/housing_qa huggingface dataset:
NH Rev Stat § 412:39 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 412 - Regulation of Forms and Rates for Property and Casualty Insurance|Section 412:39 - False or Misleading Information.

    412:39 False or Misleading Information. –||No person or organization shall willfully withhold information that will affect the rates or premiums chargeable under this chapter from, or knowingly give false or misleading information to the commissioner, any statistical agent, any advisory organization or any insurer. A person or organization violating this section shall be subject to the penalties provided in RSA 412:40.|||Source. 2003, 150:1, eff. Jan. 1, 2004.|
NH Rev Stat § 412:40 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 412 - Regulation of Forms and Rates for Property and Casualty Insurance|Section 412:40 - Penalties.

    412:40 Penalties. –||I. The commissioner, may upon a finding that any person or organization has violated any provisions of this chapter, impose a penalty of not less than $500 or more than $10,000 for each violation, but if the violation is found to be willful, a penalty of not less than $1,000 or more than $25,000 may be imposed for each violation. Separate penalties may be in addition to any other penalty provided by law.||II. For purposes of this chapter, any insurer using a rate for which the insurer has failed to file the rate, supplementary rate information, underwriting rules or guidelines, or supporting information as required by this chapter, shall have committed a separate violation for each day such failure continues.||III. The commissioner may suspend or revoke the license of any advisory organization, statistical agent or insurer that fails to comply with an order of the commissioner within the time limited by such order, or any extension thereof which the commissioner may grant.||IV. The commissioner may determine when a suspension of license shall become effective and it shall remain in effect for the period fixed by the commissioner, unless the commissioner modifies or rescinds such suspension, or until the order upon which such suspension is based is modified, rescinded or reversed.||V. No penalty shall be imposed and no license shall be suspended or revoked except upon a written order of the commissioner stating his or her findings, made after hearing.|||Source. 2003, 150:1, eff. Jan. 1, 2004.|
NH Rev Stat § 412:41 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 412 - Regulation of Forms and Rates for Property and Casualty Insurance|Section 412:41 - Hearing and Appeal.

    412:41 Hearing and Appeal. –||Any insurer or organization aggrieved by any order or decision of the commissioner shall be entitled to a hearing and appeal in accordance with the provisions of RSA 541-A.|||Source. 2003, 150:1, eff. Jan. 1, 2004.|
NH Rev Stat § 412:42 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 412 - Regulation of Forms and Rates for Property and Casualty Insurance|Section 412:42 - Exemptions.

    412:42 Exemptions. –||The commissioner may by his or her own initiative or upon request of any person, by rule exempt any market from any or all of the provisions of this chapter, if and to the extent that the exemption is necessary to achieve the purposes of this chapter.|||Source. 2003, 150:1, eff. Jan. 1, 2004.|
NH Rev Stat § 412:43 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 412 - Regulation of Forms and Rates for Property and Casualty Insurance|Section 412:43 - Rulemaking Authority.

    412:43 Rulemaking Authority. –||I. The commissioner may make reasonable rules as necessary to effect the purposes of this chapter.||II. The commissioner shall adopt rules, under RSA 541-A, relative to defining "resident" for the purposes of this chapter and RSA 417-A. Such definition shall include any criteria necessary for determining residency in this state, including the residency of persons on active duty in the military service of the United States, retired persons, and other persons temporarily out of this state.||III. [Repealed.]|||Source. 2003, 150:1. 2011, 137:2. 2012, 100:9, eff. July 28, 2012.|
NH Rev Stat § 412:44 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 412 - Regulation of Forms and Rates for Property and Casualty Insurance|Section 412:44 - Severability.

    412:44 Severability. –||If any provision of this chapter or the application thereof to any person or circumstance is held invalid, the invalidity does not affect other provisions or applications of the chapter which can be given effect without the invalid provision or application; and, to this end, the provisions of this chapter are severable.|||Source. 2003, 150:1, eff. Jan. 1, 2004.|
NH Rev Stat § 412-A:1 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 412-A - Filing of Aircraft Insurance Policies|Section 412-A:1 - Policies to be Filed With Commissioner.

    412-A:1 Policies to be Filed With Commissioner. –||Every insurance company which issues insurance on hulls of aircraft, including their accessories and equipment, and liability resulting from the ownership, use or maintenance of aircraft shall file with the insurance commissioner for informational and auditing purposes a copy of the form of the policy containing the insurance contract covering such losses and all printed endorsements that may be attached thereto. As part of the audit process, the commissioner may disapprove any form if it contains a provision that does not comply with the requirements of law, is not in the public interest, is contrary to public policy, is inequitable, misleading, deceptive, or encourages misrepresentation of such policy.|||Source. 2003, 150:2, eff. Jan. 1, 2004. 2018, 68:3, eff. July 24, 2018.|
NH Rev Stat § 412-A:2 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 412-A - Filing of Aircraft Insurance Policies|Section 412-A:2 - Liability for Aircraft Accident.

    412-A:2 Liability for Aircraft Accident. –||No policy of insurance issued or delivered in this state covering any loss, expense, or liability arising out of the ownership, maintenance, or use of an aircraft shall exclude or deny coverage because the aircraft is operated in violation of federal or civil air regulations, or any state law or local ordinance. This section does not prohibit the use of specific exclusions or conditions in any such policy which relate to any of the following:||I. Certification of an aircraft in a stated category by the federal aviation administration;||II. Certification of a pilot in a stated category by the federal aviation administration;||III. Establishing requirements for pilot experience;||IV. Establishing limitations on the use of the aircraft.|||Source. 2003, 150:2, eff. Jan. 1, 2004.|
NH Rev Stat § 412-A:3 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 412-A - Filing of Aircraft Insurance Policies|Section 412-A:3 - Penalties.

    412-A:3 Penalties. –||Any insurer willfully violating any of the provisions of this chapter may be fined not more than $500. The commissioner may suspend or revoke the license of any insurer or organization for any violation of this chapter or the failure to comply with an order of the commissioner, issued under this chapter.|||Source. 2003, 150:2, eff. Jan. 1, 2004.|
NH Rev Stat § 412-A:4 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 412-A - Filing of Aircraft Insurance Policies|Section 412-A:4 - Hearing and Appeal.

    412-A:4 Hearing and Appeal. –||Any insurer or organization aggrieved by any order or decision of the commissioner is entitled to a rehearing and appeal under RSA 541.|||Source. 2003, 150:2, eff. Jan. 1, 2004.|
NH Rev Stat § 415:1 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415 - Accident and Health Insurance|Section 415:1 - Filing Policies and Rates.

    415:1 Filing Policies and Rates. –||No policy of insurance against loss or expense from the sickness, or from the bodily injury or death by accident of the insured shall be issued or delivered to any person in this state nor shall any application, rider or endorsement be used in connection therewith until a copy of the form thereof and of the classification of risks and the premium rates, or, in the case of cooperatives or assessment companies the estimated cost pertaining thereto have been filed with the insurance commissioner nor until the expiration of 30 days thereafter unless the commissioner shall sooner give his written approval thereof.|||Source. 1913, 226:1. PL 281:1. RL 331:1. 1947, 162:1, eff. May 28, 1947.|
NH Rev Stat § 415:2 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415 - Accident and Health Insurance|Section 415:2 - Disapproval of Forms.

    415:2 Disapproval of Forms. –||I. The commissioner may, within 30 days after the filing of any such form, disapprove such form if:||(a) The benefits provided therein are unreasonable in relation to the premium charged;||(b) It contains a provision or provisions which are unjust, unfair, inequitable, misleading, deceptive or encourage misrepresentation of such policy; or||(c) It does not comply with the requirements of law.||II. The 30-day period under paragraph I may be extended by the commissioner if the insurer has not provided all necessary information required to make a determination under paragraph I.||III. If the commissioner shall notify the insurer which has filed any such form that it does not comply with the provisions of this chapter, it shall be unlawful thereafter for such insurer to issue such form or use it in connection with any policy. In such notice the commissioner shall specify the reasons for his disapproval and state that a hearing will be granted within 20 days after request in writing by the insurer.|||Source. 1913, 226:1. PL 281:2. RL 331:2. 1947, 162:2. 2008, 212:7, eff. June 16, 2008.|
NH Rev Stat § 415:3 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415 - Accident and Health Insurance|Section 415:3 - Subsequent Disapproval.

    415:3 Subsequent Disapproval. –||The commissioner may at any time, after a hearing of which not less than 20 days' written notice shall have been given to the insurer, withdraw his approval of any such form on any of the grounds stated in this chapter. It shall be unlawful for the insurer to issue such form or use it in connection with any policy after the effective date of such withdrawal of approval. The notice of any hearing called under this section shall specify the matters to be considered at such hearing and any decision affirming disapproval or directing withdrawal of approval under this chapter shall be in writing and shall specify the reasons therefor.|||Source. 1947, 162:3, eff. May 28, 1947.|
NH Rev Stat § 415:4 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415 - Accident and Health Insurance|Section 415:4 - Review of Disapproval.

    415:4 Review of Disapproval. –||The action of the commissioner in this regard shall be subject to review by the superior court.|||Source. 1913, 226:1. PL 281:3. RL 331:3.|
NH Rev Stat § 415:6-a (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415 - Accident and Health Insurance|Section 415:6-a - Insurance Contracts; Welfare Recipients.

    415:6-a Insurance Contracts;  Welfare Recipients. –||No accident or health insurance policy issued, renewed or continued after August 28, 1981 shall contain any provision denying or limiting insurance benefits because services are rendered to an insured or a dependent who is eligible for or who receives medical assistance under RSA 167 or RSA 161.|||Source. 1981, 502:2, eff. Aug. 28, 1981.|
NH Rev Stat § 415:6-aa (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415 - Accident and Health Insurance|Section 415:6-aa - 90-Day Supply of Covered Prescription Drugs.

    415:6-aa 90-Day Supply of Covered Prescription Drugs. –||An insurer issuing or renewing accident and health insurance policies shall allow its insureds to purchase an up-to-90-day supply of covered prescription drugs on the covered person's health plan formulary at one time at a pharmacy of the insured's choice within the insurer's network, provided that the insured can demonstrate that such drug has been taken by the insured for a continuous period of one year and provided that such drug is not subject to the health plan's utilization management, prior authorization, or pre-certification requirements. Controlled substances as identified by the United States Drug Enforcement Administration are exempt from this section. Nothing in this section shall be construed to limit the health plan's ability to establish co-payments, coinsurance deductibles, or other member cost shares. A retail pharmacy dispensing a 90-day supply of covered prescription drugs under this section shall comply with any specified terms, conditions, and reimbursement rate which the plan may require for mail order pharmacies that fill 90-day prescriptions.|||Source. 2007, 73:1. 2014, 120:1, eff. Aug. 15, 2014.|
NH Rev Stat § 415:6-b (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415 - Accident and Health Insurance|Section 415:6-b - Coverage of Certain Psychiatric and Psychological Services.

    415:6-b Coverage of Certain Psychiatric and Psychological Services. –||No accident or health insurance policy issued, renewed or continued on or after January 1, 1993, shall contain any provision denying insurance benefits for psychiatric or psychological services, including psychological examinations, solely because they are rendered to an insured or a dependent in compliance with the lawful order of any court of this state. Benefits for such services shall be at least as favorable as for other psychiatric or psychological services, including psychological examinations, and shall be subject to the same dollar limits, deductibles, co-payments and co-insurance factors and to terms and conditions of the policy or certificate, including any managed care provisions.|||Source. 1992, 177:1, eff. Jan. 1, 1993.|
NH Rev Stat § 415:6-c (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415 - Accident and Health Insurance|Section 415:6-c - Coverage for Nonprescription Enteral Formulas.

    415:6-c Coverage for Nonprescription Enteral Formulas. –||I. Each insurer that issues or renews any individual policy of accident or health insurance providing benefits for medical or hospital expenses, shall provide to certificate holders of such insurance who are residents of this state, coverage for the provision of nonprescription enteral formulas for the treatment of impaired absorption of nutrients caused by disorders affecting the absorptive surface, functional length, or motility of the gastrointestinal tract. Such coverage shall be provided when the prescribing physician has issued a written order stating that the enteral formula is needed to sustain life, is medically necessary, and is the least restrictive and most cost effective means for meeting the needs of the patient.||II. Each insurer that issues or renews any individual policy of accident or health insurance providing benefits for medical or hospital expenses, shall provide to certificate holders of such insurance who are residents of this state, coverage for the provision of nonprescription enteral formulas and food products required for persons with inherited diseases of amino acids and organic acids. Such coverage shall be provided when the prescribing physician has issued a written order stating that the enteral formula or food product is medically necessary and is the least restrictive and most cost effective means for meeting the needs of the patient. Coverage for inherited diseases of amino acids and organic acids shall, in addition to the enteral formula, include food products modified to be low protein in an amount not to exceed $1,800 annually for any insured individual.||III. The benefits included in this section shall not be subject to any greater deductible than any other benefits provided by the insurer. The coinsurance required by the enrolled participant shall not exceed the amount allowed under the contract for the reasonable and customary charge for the service provided.|||Source. 1996, 131:1, eff. July 20, 1996.|
NH Rev Stat § 415:6-d (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415 - Accident and Health Insurance|Section 415:6-d - Maternity Rider.

    415:6-d Maternity Rider. –||Upon issuing any individual health insurance policy providing hospital, medical-surgical or major medical benefits, an insurer shall offer the insured the option of including a maternity benefits rider if maternity care is not covered under the policy. Nothing in this section shall be construed to apply to supplemental health insurance and disability insurance policies.|||Source. 1996, 188:19, eff. Jan. 1, 1997.|
NH Rev Stat § 415:6-e (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415 - Accident and Health Insurance|Section 415:6-e - Coverage for Diabetes Services and Supplies.

    415:6-e Coverage for Diabetes Services and Supplies. –||Each insurer that issues or renews any individual policy, plan, or contract of accident or health insurance providing benefits for medical or hospital expenses, shall provide to certificate holders of such insurance, who are residents of this state, coverage for medically appropriate and necessary outpatient self-management training and educational services, pursuant to a written order of a primary care physician or practitioner, including but not limited to medical nutrition therapy for the treatment of diabetes, provided by a certified, registered, or licensed health care professional with expertise in diabetes, subject to the terms and conditions of the policy. Each insurer that issues or renews any individual policy, plan, or contract of accident or health insurance providing benefits for medical or hospital expenses which provides a prescription rider shall cover medically appropriate or necessary insulin, oral agents, and equipment used to treat diabetes subject to the terms and conditions of the policy. Each insurer that provides coverage for prescription insulin drugs shall cap the total amount that a covered person is required to pay for each covered insulin drug prescription at an amount not to exceed $30 for each 30-day supply of each insulin prescription. The maximum $30 copayment for each 30-day supply of each covered insulin drug prescription shall apply when an original prescription is dispensed as well as when refills of the prescription are dispensed, including early refills. Coverage for prescription insulin drugs shall not be subject to any deductible. Each insurer that issues or renews any individual policy, plan, or contract of accident or health insurance providing benefits for medical or hospital expenses which provides for durable medical equipment coverage shall provide coverage for medically appropriate or necessary equipment used to treat diabetes subject to the terms and conditions of the policy.|||Source. 1997, 258:1, eff. Jan. 1, 1998. 2020, 13:1, eff. Sept. 14, 2020.|
NH Rev Stat § 415:6-f (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415 - Accident and Health Insurance|Section 415:6-f - Patients' Bill of Rights.

    415:6-f Patients' Bill of Rights. –||Any insurer issuing an individual policy under this chapter shall provide to each new policyholder who is a resident of this state a copy of the patients' bill of rights law under RSA 151:21.|||Source. 1997, 331:13, eff. Aug. 22, 1997.|
NH Rev Stat § 415:6-g (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415 - Accident and Health Insurance|Section 415:6-g - Off-Label Prescription Drugs.

    415:6-g Off-Label Prescription Drugs. –||I. No insurer that issues or renews any individual policy of accident or health insurance providing benefits for medical or hospital expenses and providing coverage for prescription drugs shall:||(a) Exclude coverage for any such drug for a particular indication on the ground that the drug has not been approved by the Food and Drug Administration (FDA) for that indication, if such drug is recognized for treatment of such indication in one of the standard reference compendia or in the medical literature; or||(b) As a condition of coverage, impose use of an alternative drug not approved by the FDA for the indication being treated, unless such alternative drug is recognized for treatment of such indication in one of the standard reference compendia or in the medical literature. An override of such condition of coverage shall be expeditiously granted consistent with RSA 420-J:7-b, II whenever the prescriber can demonstrate that the alternative drug:||(1) Has been ineffective in the treatment of the insured's medical condition in the past;||(2) Is expected to be ineffective based on the known relevant physical or mental characteristics of the insured and the known characteristics of the drug regimen;||(3) Will cause or will likely cause an adverse reaction or other physical harm to the insured; or||(4) Is not in the insured's best interest, based on medical necessity consistent with RSA 420-J:7-b, II.||II. Any coverage of a drug required by this section shall also include medically necessary services associated with the administration of the drug.||III. Nothing in this section requires:||(a) Coverage for any drug if the FDA has determined its use to be contraindicated for the treatment of the particular indication for which the drug has been prescribed;||(b) Coverage for experimental or investigational drugs not approved for any indication by the FDA; and||(c) Reimbursement or coverage for any drug not included on the drug formulary or list of covered drugs specified in a health plan, contract, or policy.|||Source. 1999, 323:2. 2014, 226:1, eff. Sept. 12, 2014.|