reglab/housing_qa huggingface dataset:
NM Stat § 59A-23G-7 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 23G - Short-Term Health Plan and Excepted Benefit|Section 59A-23G-7 - Exclusion prohibition not applicable to excepted benefit plans or policies.

A. Notwithstanding any other provisions of law, an excepted benefits policy or plan shall not exclude coverage for losses incurred for a preexisting condition more than twelve months from the effective date of coverage. The policy or plan shall not define a preexisting condition more restrictively than a condition for which medical advice was given or treatment recommended by or received from a physician within twelve months before the effective date of coverage.B. As used in this section, "excepted benefits" means benefits furnished pursuant to the following:(1) coverage-only accident or disability income insurance;(2) coverage issued as a supplement to liability insurance;(3) liability insurance;(4) workers' compensation or similar insurance;(5) automobile medical payment insurance;(6) credit-only insurance;(7) coverage for on-site medical clinics;(8) other similar insurance coverage specified in office of superintendent of insurance rules, under which benefits for medical care are secondary or incidental to other benefits;(9) the following benefits if offered separately: (a) limited-scope dental or vision benefits;(b) benefits for long-term care, nursing home care, home health care, community-based care or any combination of those benefits; and(c) other similar limited benefits specified in office of superintendent of insurance rules;(10) the following benefits, offered as independent, non-coordinated benefits:(a) coverage-only for a specified disease or illness; or(b) hospital indemnity or other fixed indemnity insurance; and(11) the following benefits if offered as a separate insurance policy:(a) medicare supplemental health insurance as defined pursuant to Section 1882(g)(1) of the federal Social Security Act; and (b) coverage supplemental to the coverage provided pursuant to Chapter 55 of Title 10 USCA and similar supplemental coverage provided to coverage pursuant to a group health plan. History: Laws 2019, ch. 259, § 21. ANNOTATIONSEffective dates. — Laws 2019, ch. 259 contained no effective date provision, but, pursuant to N.M. Const., art. IV, § 23, was effective June 14, 2019, 90 days after the adjournment of the legislature.
NM Stat § 59A-24-1 to 59A-24-7 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 24 - Health Insurance for Seniors (Repealed, Recompiled.)|Section 59A-24-1 to 59A-24-7 - Repealed.

ANNOTATIONSRepeals. — Laws 1989, ch. 28, § 17 repealed 59A-24-1 to 59A-24-7 NMSA 1978, as enacted by Laws 1984, ch. 127, §§ 465 to 471, relating to health insurance for seniors, effective July 1, 1989.
NM Stat § 59A-24-8 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 24 - Health Insurance for Seniors (Repealed, Recompiled.)|Section 59A-24-8 - Recompiled.

ANNOTATIONSRecompilations. — Laws 1990, ch. 110, § 8 recompiled former 59A-24-8 NMSA 1978, relating to medicare supplement policy provisions for individuals who are eligible for medical benefits under the medicaid program, as 59A-24A-15 NMSA 1978, effective May 16, 1990.
NM Stat § 59A-24A-1 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 24A - Medicare Supplements|Section 59A-24A-1 - Short title.

Chapter 59A, Article 24A NMSA 1978 may be cited as the "Medicare Supplement Act". History: Laws 1989, ch. 28, § 1; 1992, ch. 3, § 1. ANNOTATIONSThe 1992 amendment, effective March 2, 1992, substituted "Chapter 59A, Article 24A NMSA 1978" for "Sections 1 through 15 of this act".
NM Stat § 59A-24A-2 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 24A - Medicare Supplements|Section 59A-24A-2 - Applicability and scope.

A. Except as otherwise specifically provided, the Medicare Supplement Act shall apply to: (1) all medicare supplement policies delivered or issued for delivery in this state on or after the effective date of that act; (2) all certificates issued under group medicare supplement policies, which certificates have been delivered or issued for delivery in this state; and (3) insurers issuing policies or certificates under Chapter 59A, Articles 44, 46 and 47 NMSA 1978. B. The Medicare Supplement Act shall not apply to a master policy or contract of one or more employers or labor organizations or of the trustees of a fund established by one or more employers or labor organizations, or a combination thereof, for employees or former employees, or a combination thereof, or for members or former members, or a combination thereof, of the labor organizations. C. The provisions of the Medicare Supplement Act are not intended to prohibit or apply to insurance policies or health care benefit plans, including group conversion policies, provided to medicare eligible persons, which policies are not marketed or held to be medicare supplement policies or benefit plans, except that policies designed to reimburse or pay as the result of hospitalization for hospital, medical and surgical expenses of persons eligible for medicare are subject to Sections 59A-24A-6 and 59A-24A-8 NMSA 1978. History: Laws 1989, ch. 28, § 2; 1992, ch. 3, § 2. ANNOTATIONSCompiler's notes. — The phrase "effective date of that act" means July 1, 1989, the effective date of Laws 1989, ch. 28, which enacted the Medicare Supplement Act. The 1992 amendment, effective March 2, 1992, deleted references to subscriber contracts following "policies" in subsections A(1) to A(3); and, in Subsection C, inserted "or pay as the result of hospitalization", deleted "by age" following "medicare" near the end of the subsection and revised the statutory references at the end of the subsection.
NM Stat § 59A-24A-3 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 24A - Medicare Supplements|Section 59A-24A-3 - Definitions.

As used in the Medicare Supplement Act: A. "applicant" means: (1) in the case of an individual medicare supplement policy, the person who seeks to contract for insurance benefits; and (2) in the case of a group medicare supplement policy, the proposed certificate holder; B. "certificate" means any certificate delivered or issued for delivery in this state under a group medicare supplement policy; C. "certificate form" means the document on which a certificate is delivered or issued for delivery; D. "issuer" means insurance companies, fraternal benefit societies, nonprofit health care plans, health maintenance organizations and any other entities that deliver or issue for delivery in this state medicare supplement policies or certificates; E. "medicare" means the federal Health Insurance for the Aged Act, Title XVIII of the Social Security Amendments of 1965, as then constituted or later amended; F. "medicare supplement policy" means: (1) a group policy as defined in Chapter 59A, Article 23 NMSA 1978; (2) an individual policy as defined in Chapter 59A, Article 22 NMSA 1978; or (3) a group or individual certificate issued pursuant to the Nonprofit Health Care Plan Law [Chapter 59A, Article 47 NMSA 1978] or the Health Maintenance Organization Act [Chapter 59A, Article 46 NMSA 1978] that is advertised, marketed or designed as a supplement to reimbursements under medicare for the hospital, medical or surgical expenses of persons eligible for medicare; G. "policy form" means the document on which a policy is delivered or issued for delivery by the issuer; and H. "superintendent" means the superintendent of insurance. History: Laws 1989, ch. 28, § 3; 1992, ch. 3, § 3. ANNOTATIONSThe 1992 amendment, effective March 2, 1992, deleted "or subscriber contract" following "policy" in Subsections A(1) and A(2), substituted all of the present language of Subsection B beginning with "delivered" for "issued under a group medicare supplement policy which certificate has been delivered or issued for delivery in this state", rewrote the provisions of Subsections C to E and redesignated them as present Subsections C to G, and redesignated former Subsection F as Subsection H.
NM Stat § 59A-24A-5 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 24A - Medicare Supplements|Section 59A-24A-5 - Repealed.

ANNOTATIONSRepeals. — Laws 1992, ch. 3, § 14 repealed 59A-24A-5 NMSA 1978, as amended by Laws 1990, ch. 110, § 5, relating to authority to promulgate regulations, effective March 2, 1992. For provisions of former section, see the 1991 NMSA 1978 on NMOneSource.com.
NM Stat § 59A-24A-6 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 24A - Medicare Supplements|Section 59A-24A-6 - Loss ratio standards.

Medicare supplement policies and other policies designed to reimburse or pay as the result of hospitalization for the hospital, medical and surgical expenses of persons eligible for medicare shall return to policyholders benefits that are reasonable in relation to the premium charged. The superintendent shall issue reasonable regulations to establish minimum standards for loss ratios of medicare supplement policies and other policies designed to reimburse or pay as the result of hospitalization for the hospital, medical and surgical expenses of persons eligible for medicare on the basis of incurred claims experience, or incurred health care expenses where coverage is provided by a health maintenance organization on a service rather than reimbursement basis, and earned premiums in accordance with accepted actuarial principles and practices. History: Laws 1989, ch. 28, § 6; 1990, ch. 110, § 6; 1992, ch. 3, § 5. ANNOTATIONSThe 1992 amendment, effective March 2, 1992, substituted "and" for "or" following "policies", inserted "or pay as the result of hospitalization", deleted "by reason of age" following "medicare" in the first and second sentences and deleted the former third and fourth sentences, relating to filing of rates and rating schedules.
NM Stat § 59A-24A-7 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 24A - Medicare Supplements|Section 59A-24A-7 - Repealed.

ANNOTATIONSRepeals. — Laws 1992, ch. 3, § 14 repealed 59A-24A-7 NMSA 1978, as enacted by Laws 1989, ch. 28, § 7, relating to filing requirements for out-of-state group policies, effective March 2, 1992. For provisions of former section, see the 1991 NMSA 1978 on NMOneSource.com.
NM Stat § 59A-24A-8 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 24A - Medicare Supplements|Section 59A-24A-8 - Filing of health insurance for seniors; rates and forms.

A. The superintendent shall adopt regulations for the review and approval or disapproval of all rate filings or forms made pursuant to Chapter 59A, Articles 15, 18, 44, 46 and 47 NMSA 1978. During the initial review periods provided under Chapter 59A, Articles 15, 18, 44, 46 and 47 NMSA 1978, the superintendent may disapprove any form filed with him. B. The superintendent may, in addition to any disapproval authority granted in Chapter 59A, Articles 15, 18, 44, 46 and 47 NMSA 1978, disapprove rate filings if the earned premium in the most recent calendar year is less than forty percent of the highest calendar year's earned premium for the form and, in the superintendent's judgment, those rates would result in a dropping of coverage that is not beneficial to the citizens of New Mexico. Alternately, the superintendent may: (1) require that the experience be combined with the experience of any other form with similar benefits; or (2) adjust the requested rate. History: Laws 1989, ch. 28, § 8; 1990, ch. 110, § 7; 1992, ch. 3, § 6. ANNOTATIONSThe 1992 amendment, effective March 2, 1992, in Subsection A, substituted "adopt regulations for the review and approval or disapproval of all rate filings" for "review and approve all filing of rates" in the first sentence and inserted "fifteen," in the first and second sentences; inserted "fifteen," near the beginning of the first sentence of the introductory paragraph in Subsection B; and deleted "of any other form" following "experience" near the beginning in Subsection B(1).
NM Stat § 59A-24A-10 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 24A - Medicare Supplements|Section 59A-24A-10 - Notice of free examination.

Medicare supplement policies and certificates shall have a notice printed prominently on the first page of the policy or certificate or attached to the policy stating that the applicant shall have the right to return the policy or certificate within thirty days of delivery and have the premium refunded if, after examination of the policy or certificate, the applicant is not satisfied for any reason. Any refund made pursuant to this section shall be paid in a timely manner directly to the applicant by the issuer. History: Laws 1989, ch. 28, § 10; 1992, ch. 3, § 8. ANNOTATIONSThe 1992 amendment, effective March 2, 1992, deleted "open contract" or "subscriber contract" following "policy" several times in the first sentence and substituted "issuer" for "insurer" in the second sentence.
NM Stat § 59A-24A-11 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 24A - Medicare Supplements|Section 59A-24A-11 - Limitation of sales of medicare supplement policies and other policies designed to reimburse or pay as the result of hospitalization for hospital, medical or surgical expenses.

The superintendent may establish reasonable rules and regulations to restrict the sale of medicare supplement policies and other policies designed to reimburse or pay as the result of hospitalization for hospital, medical or surgical expenses that result in over-insurance to an insured. History: Laws 1989, ch. 28, § 11; 1992, ch. 3, § 9. ANNOTATIONSThe 1992 amendment, effective March 2, 1992, substituted the present section heading for "limitation of sales of medicare supplement policies", and substituted all of the present language of the section following "medicare supplement" for "policies that result in over-insurance to an insured".
NM Stat § 59A-24A-12 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 24A - Medicare Supplements|Section 59A-24A-12 - Filing requirements for advertising.

A. Every issuer of medicare supplement insurance policies or certificates in this state shall provide a copy of any medicare supplement advertisement intended for use in this state, whether through written, radio or television medium, to the superintendent for review and approval. The advertisement shall comply with all applicable laws of this state. B. Persons who market medicare supplement insurance policies or certificates in this state shall not advertise any policies or certificates unless: (1) the issuer of the policy or certificate has provided the superintendent with a copy of the advertisement; and (2) the superintendent has reviewed and approved the advertisement. History: Laws 1989, ch. 28, § 12; 1992, ch. 3, § 10. ANNOTATIONSThe 1992 amendment, effective March 2, 1992, designated the formerly undesignated provisions as Subsection A; rewrote the first sentence of Subsection A and deleted the former third sentence of that subsection, relating to authorization of superintendent to issue a cease and desist order; and added Subsection B.
NM Stat § 59A-24A-13 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 24A - Medicare Supplements|Section 59A-24A-13 - Administrative procedures.

Regulations adopted pursuant to the Medicare Supplement Act shall be subject to the provisions of 59A-2-9 NMSA 1978. History: Laws 1989, ch. 28, § 13.
NM Stat § 59A-24A-14 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 24A - Medicare Supplements|Section 59A-24A-14 - Penalties.

In addition to any other applicable penalties for violations of the Insurance Code, the superintendent may impose penalties pursuant to the provisions of Section 59A-1-18 NMSA 1978, for a violation of the Medicare Supplement Act. The superintendent may require issuers violating any provision of the Medicare Supplement Act or regulations adopted pursuant to that act to cease marketing any medicare supplement policy or certificate in this state that is related directly or indirectly to a violation or may require the issuer to take actions that are necessary to comply with the provisions of that act, or both. History: Laws 1989, ch. 28, § 14; 1992, ch. 3, § 11. ANNOTATIONSCross references. — For the Insurance Code, see 59A-1-1 NMSA 1978 and notes thereto. The 1992 amendment, effective March 2, 1992, added all of the present language of the first sentence following "Code"; and, in the second sentence, substituted "issuers" for "insurers", deleted ", subscriber contract" following "policy", substituted "that is related" for "which is related", and substituted "the issuer" for "such issuer".
NM Stat § 59A-24A-15 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 24A - Medicare Supplements|Section 59A-24A-15 - Medicare supplement policy; provisions relating to individuals who are eligible for medical benefits under the medicaid program.

A. Each medicare supplement policy that is delivered, issued for delivery or renewed in this state shall include provisions that require benefits paid on behalf of a child or other insured person under the policy to be paid to the human services department when: (1) the human services department has paid or is paying benefits on behalf of the child or other insured person under the state's medicaid program pursuant to Title XIX of the federal Social Security Act, 42 U.S.C. 1396, et seq.; (2) payment for the services in question has been made by the human services department to the medicaid provider; and (3) the issuer is notified that the insured individual receives benefits under the medicaid program and that benefits must be paid directly to the human services department. B. The notice required under Paragraph (3) of Subsection A of this section may be accomplished through an attachment to the claim by the human services department for insurance benefits when the claim is first submitted by the human services department to the issuer. C. Notwithstanding any other provisions of law, checks in payment for claims pursuant to any medicare supplement policy for health care services provided to persons who are also eligible for benefits under the medicaid program and provided by medical providers qualified to participate under the policy shall be made payable to the provider. The issuer may be notified that the insured individual is eligible for medicaid benefits through an attachment to the claim by the provider for insurance benefits when the claim is first submitted by the provider to the issuer. D. No medicare supplement policy delivered, issued for delivery or renewed in this state or after the effective date of this section shall contain any provision denying or limiting insurance benefits because services are rendered to an insured who is eligible for or who has received medical assistance under the medicaid program of this state, unless: (1) the medicare supplement policy or certificate has been suspended at the request of a policy or certificate holder for a period not to exceed twenty-four months; and (2) during the period of suspension, the policy or certificate holder is entitled to medical assistance pursuant to Title XIX of the federal Social Security Act, 42 U.S.C. 1396, et seq. History: 1978 Comp., § 59A-24-8, enacted by Laws 1989, ch. 183, § 4, recompiled as § 59A-24A-15 by Laws 1990, ch. 110, § 8; 1992, ch. 3, § 12. ANNOTATIONSThe 1992 amendment, effective March 2, 1992, substituted "issuer" for "insurer" several times throughout the section; and, in Subsection D, substituted ", unless:" for a period at the end of the introductory paragraph, and added Paragraphs (1) and (2).
NM Stat § 59A-24A-16 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 24A - Medicare Supplements|Section 59A-24A-16 - Rules and regulations; procedures.

Rules and regulations adopted pursuant to the provisions of the Medicare Supplement Act shall be subject to the provisions of Section 59A-2-9 NMSA 1978. History: 1978 Comp., § 59A-24A-16, enacted by Laws 1992, ch. 3, § 13. ANNOTATIONSSeverability. — Laws 1992, ch. 3, § 15 provides for the severability of the act if any part or application thereof is held invalid.
NM Stat § 59A-25-1 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 25 - Credit Life and Credit Health Insurance|Section 59A-25-1 - Scope and short title.

A. All life insurance and all health insurance in connection with loans or other credit transactions shall be subject to the provisions of this article, except such insurance in connection with a loan or other credit transaction of more than ten (10) years' duration; nor shall insurance be subject to this article where issuance of the insurance is an isolated transaction on part of the insurer not related to an agreement or plan for insuring debtors of the creditor. B. This article [Chapter 59A, Article 25 NMSA 1978] may be cited as the "Law for Regulation of Credit Life Insurance and Credit Health Insurance." History: Laws 1984, ch. 127, § 473. ANNOTATIONSAm. Jur. 2d, A.L.R. and C.J.S. references. — Initiation and termination of coverage under group credit life or disability insurance, 5 A.L.R.3d 962. Credit life insurer's punitive damage liability for refusing payment, 55 A.L.R.4th 246. 44 C.J.S. Insurance § 39 et seq.
NM Stat § 59A-25-2 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 25 - Credit Life and Credit Health Insurance|Section 59A-25-2 - Purpose.

The purpose of this article is to promote the public welfare by regulating credit life insurance and credit health insurance. Nothing in this article is intended to prohibit or discourage reasonable competition. The provisions of this article shall be liberally construed. History: Laws 1984, ch. 127, § 472.
NM Stat § 59A-25-3 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 25 - Credit Life and Credit Health Insurance|Section 59A-25-3 - Definitions.

For the purposes of this article: A. "credit life insurance" means insurance on the life of a debtor pursuant to or in connection with a specific loan or other credit transaction; B. "credit accident and health insurance" means insurance on a debtor to provide indemnity for payments becoming due on a specific loan or other credit transaction while the debtor is disabled as defined in the policy; C. "creditor" means the lender of money or vendor or lessor of goods, services or property, rights or privileges for which payment is arranged through a credit transaction, or any successor to the right, title or interest of any such lender, vendor or lessor, and an affiliate, associate or subsidiary of any of them or any director, officer or employee of any of them or any other person in any way associated with any of them; D. "credit transaction" includes loans, purchases and leases in which the debtor or his successor in interest become liable for the payment of the indebtedness in one or more payments to the creditor; E. "debtor" means a borrower of money or a purchaser or lessee of goods, services, property, rights or privileges for which payment is arranged through a credit transaction; and F. "indebtedness" means the total amount payable by a debtor to a creditor in connection with a loan or other credit transaction. History: Laws 1984, ch. 127, § 474.
NM Stat § 59A-25-4 (2021)
2021 New Mexico Statutes|Chapter 59A - Insurance Code|Article 25 - Credit Life and Credit Health Insurance|Section 59A-25-4 - Forms of credit life, credit health insurances.

Credit life insurance and credit health insurance shall be issued only in the following forms: A. individual policies of life insurance issued to debtors on the term plan; B. individual policies of health insurance issued to debtors on a term plan or disability benefit provisions in individual policies of credit life insurance; C. group policies of life insurance issued to creditors providing insurance upon the lives of debtors on the term plan; and D. group policies of health insurance issued to creditors on a term plan insuring debtors or disability benefit provisions in group credit life insurance policies to provide such coverage. History: Laws 1984, ch. 127, § 475.