reglab/housing_qa huggingface dataset:
36 OK Stat § 36-3624 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3624. Assignment of policies.

|Except as provided in subsection D of Section 6055 of this title, a policy may be assignable or not assignable, as provided by its terms. Subject to its terms relating to assignability, any life or accident and health policy, whether heretofore or hereafter issued, under the terms of which the beneficiary may be changed upon the sole request of the insured, may be assigned either by pledge or transfer of title, by an assignment executed by the insured alone and delivered to the insurer, whether or not the pledgee or assignee is the insurer. Any such assignment shall entitle the insurer to deal with the assignee as the owner or pledgee of the policy in accordance with the terms of the assignment, until the insurer has received at its home office written notice of termination of the assignment or pledge, or written notice by or on behalf of some other person claiming some interest in the policy in conflict with the assignment. |Added by Laws 1957, p. 369, § 3624, operative July 1, 1957. Amended by Laws 1992, c. 370, § 1, eff. Sept. 1, 1992; Laws 1999, c. 331, § 10, eff. Nov. 1, 1999; Laws 2002, c. 307, § 29, eff. Nov. 1, 2002.
36 OK Stat § 36-3624.1 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3624.1. Group life insurance policies - Right to assign incidents of ownership.

|A person whose life is insured under a group insurance policy may, subject and pursuant to the terms of the policy, or pursuant to an arrangement between the insured, the group policyholder and the insurer, assign all or any part of his incidents of ownership, rights, title and interests, both present and future, under such policy including specifically, but not by way of limitation, the right to designate a beneficiary or beneficiaries thereunder and the right to have an individual policy issued to him in case of termination of employment or of said group insurance policy. Such an assignment by the insured, made either before or after the effective date of this section, is valid for the purpose of vesting in the assignee, in accordance with any provisions included therein as to the time at which it is to be effective, all of such incidents of ownership, rights, title and interests so assigned, but without prejudice to the insurer on account of any payment it may make or individual policy it may issue prior to receipt of notice of the assignment. This section acknowledges, declares and codifies the existing right of assignment of interests under group insurance policies. |Laws 1973, c. 19, § 1, emerg. eff. April 4, 1973.
36 OK Stat § 36-3624.2 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3624.2. Definitions.

|As used in this act: |1. "Insurer" means any insurance company that administers accident and health policies or plans or that administers any other type insurance policy containing medical provisions, and any nonprofit hospital service and indemnity and medical service and indemnity corporation, licensed to do business in or incorporated or domesticated or domiciled in or under the statutes of this state, or actually engaged in business in this state, regardless of where the contract of insurance is written or plan is administered or where the corporation is incorporated.2. "Medical Assistance" means medical services or payments from a program administered by the Department of Human Services which provides medical services or payments for medical services to individuals based on a finding of financial need.Laws 1981, c. 172, § 1.
36 OK Stat § 36-3624.3 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3624.3. Direct payments to Department for reimbursement of medical assistance - Notice of claim - Discharge of obligation.

|A. Notwithstanding the provisions of Section 3624 of this title, whenever an insurer who has not discharged its obligation to make payments to an individual for medical services, and if that individual has received medical assistance from the Department of Human Services, then the insurer, upon notice that medical assistance has been furnished, shall make its payments directly to the Department of Human Services, but not to exceed the amount of medical assistance paid by the Department of Human Services or medical service rendered by the Department. |B. Provided further, and notwithstanding the provisions of Section 3626 of this title, any insurer who, after having been put on notice of payment of a medical claim or claims or the rendering of medical services by the Department of Human Services, and in disregard of said notice, subsequently makes payments on the same claim or claims to persons or entities other than the Department of Human Services shall not be discharged from payment to the Department of Human Services in the sum and amount claimed by the Department. Payment to the Department by the insurer under the provisions of this section shall discharge the insurer's obligation with respect to all further payment on the claim or claims for the amount paid.C. Provided, further, that the notice requirements of this act are satisfied (1) when the insurer receives a copy of the claims paid or medical services rendered by the Department of Human Services together with a request for reimbursement by certified or registered mail, or (2) when the insurer receives a claim from a beneficiary containing information to the effect that the beneficiary has applied for or has received medical assistance from the Department of Human Services in connection with the same claim as set forth in Section 3 of this act.The insurer who receives such claim shall notify the Department of Human Services of its obligation on such claim and shall pay the obligation to the provider of service or if the Department of Human Services has provided medical assistance thereon, pay the Department of Human Services.Laws 1981, c. 172, § 2.
36 OK Stat § 36-3624.4 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3624.4. Notice to insurer of assistance received - Violations.

|A. Any person who has an application pending or who has received medical assistance from the Department of Human Services and files a claim with any insurer for benefits shall at that time advise the insurer of the receipt of or pending application for medical assistance from the Department of Human Services in connection with the same medical expenses. It shall be the duty of the Department of Human Services to notify the applicant for medical assistance of the requirements of this section. |B. Any person who fails to comply with the provisions of subsection A of this section shall be guilty of a misdemeanor.Laws 1981, c. 172, § 3.
36 OK Stat § 36-3624.5 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3624.5. Limiting payments by insurer based upon eligibility for medical assistance prohibited.

|Any clause of an insurance contract, plan or agreement administered by an insurer that limits or excludes payments if the individual is eligible for medical assistance is void. |Laws 1981, c. 172, § 4.
36 OK Stat § 36-3624.6 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3624.6. Conflicting provisions.

|Any and all policies of insurance, or any plan or agreement administered by an insurer, issued, entered into, amended or renewed after the effective date of this act containing any provisions contrary to or in conflict with this act are void as to those provisions only; all remaining provisions in the contract not in conflict with these sections that are severable shall remain in full force and effect. |Laws 1981, c. 172, § 5.
36 OK Stat § 36-3625 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3625. Annulment of liability policies.

|A. No insurance contract insuring against loss or damage through legal liability for the bodily injury or death by accident of any individual, or for damage to the property of any person, shall be retroactively annulled by any agreement between the insurer and the insured after the occurrence of any such injury, death, or damage for which the insured may be liable, and any such attempted annulment shall be void. |B. The provisions of subsection A of this section shall not apply to a claim made and reported from a liability insurance policy unless there is actual notice that a claim or potential claim has been made against an insured who shall have also reported the claim or potential claim to the insured's insurer.Added by Laws Laws 1957, p. 369, § 3625. Amended by Laws 2016, c. 14, § 1, eff. Nov. 1, 2016.
36 OK Stat § 36-3626 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3626. Payment discharges insurer.

|Whenever the proceeds of or payments under a life or accident and health insurance policy or annuity contract heretofore or hereafter issued become payable in accordance with the terms of such policy or contract, or the exercise of any right or privilege thereunder, and the insurer makes payment thereof in accordance with the terms of the policy or contract or in accordance with any written assignment thereof, the person then designated in the policy or contract or by such assignment as being entitled thereto shall be entitled to receive such proceeds or payments and to give full acquittance therefor, and such payments shall fully discharge the insurer from all claims under the policy or contract unless, before payment is made, the insurer has received at its home office written notice by or on behalf of some other person that such other person claims to be entitled to such payment or some interest in the policy or contract. |Laws 1957, p. 369, § 3626.
36 OK Stat § 36-3627 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3627. Minor may give acquittance.

|Any minor domiciled in this state who has attained the age of sixteen (16) years shall be deemed competent to receive and to give full acquittance and discharge for a payment or payments in aggregate amount not exceeding Two Thousand Dollars ($2,000.00) in any one (1) year made by a life insurer as benefits payable to such minor in compliance with the provisions of an insurance policy, annuity contract or settlement agreement. No such minor shall be deemed competent to alienate the right to or to anticipate such payments. |This section shall not be deemed to restrict the rights of minors set forth in subsection B of Section 3606 of this article.Laws 1957, p. 369, § 3627.
36 OK Stat § 36-3628 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3628. Simultaneous deaths.

|Where the individual insured or the annuitant and the beneficiary designated in a life insurance policy or policy insuring against accidental death or in an annuity contract have died and there is not sufficient evidence that they have died otherwise than simultaneously, the proceeds of the policy or contract shall be distributed as if the insured or annuitant had survived the beneficiary, unless otherwise specifically provided in the policy or contract. |Laws 1957, p. 369, § 3628. x
36 OK Stat § 36-3629 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3629. Forms of proof of loss – Offer of settlement or rejection of claim.

|A. An insurer shall furnish, upon written request of any insured claiming to have a loss under an insurance contract issued by such insurer, forms of proof of loss for completion by such person, but such insurer shall not, by reason of the requirement so to furnish forms, have any responsibility for or with reference to the completion of such proof or the manner of any such completion or attempted completion. |B. It shall be the duty of the insurer, receiving a proof of loss, to submit a written offer of settlement or rejection of the claim to the insured within sixty (60) days of receipt of that proof of loss. Upon a judgment rendered to either party, costs and attorney fees shall be allowable to the prevailing party. For purposes of this section, the prevailing party is the insurer in those cases where judgment does not exceed written offer of settlement. In all other judgments the insured shall be the prevailing party. If the insured is the prevailing party, the court in rendering judgment shall add interest on the verdict at the rate of fifteen percent (15%) per year from the date the loss was payable pursuant to the provisions of the contract to the date of the verdict. This provision shall not apply to uninsured motorist coverage.Added by Laws 1957, p. 370, § 3629, operative July 1, 1957. Amended by Laws 1977, c. 133, § 1, eff. Oct. 1, 1977; Laws 1985, c. 79, § 1, eff. Nov. 1, 1985; Laws 2018, c. 95, § 8, eff. Nov. 1, 2018.
36 OK Stat § 36-3630 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3630. Claims administration not waiver.

|Without limitation of any right or defense of an insurer otherwise, none of the following acts by or on behalf of an insurer shall be deemed to constitute a waiver of any provision of a policy or of any defense of the insurer thereunder: |1. Acknowledgment of the receipt of notice of loss or claim under the policy.2. Furnishing forms for reporting a loss or claim, for giving information relative thereto, or for making proof of loss, or receiving or acknowledging receipt of any such forms or proofs completed or uncompleted.3. Investigating any loss or claim under any policy or engaging in negotiations looking toward a possible settlement of any such loss or claim.Laws 1957, p. 370, § 3630.
36 OK Stat § 36-3631.1 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3631.1. Certain money and benefits exempt from legal process or seizure - Exceptions.

|A. All money or benefits of any kind, including policy proceeds and cash values, to be paid or rendered to the insured or any beneficiary under any policy of insurance issued by a life, health or accident insurance company, under any policy issued by a mutual benefit association, or under any plan or program of annuities and benefits, shall: |1. Inure exclusively to the benefit of the person for whose use and benefit the money or benefits are designated in the policy, plan or program;2. Be fully exempt from execution, attachment, garnishment or other process;3. Be fully exempt from being seized, taken or appropriated or applied by any legal or equitable process or operation of law to pay any debt or liability of the insured or of any beneficiary, either before or after said money or benefits is or are paid or rendered; and4. Be fully exempt from all demands in any bankruptcy proceeding of the insured or beneficiary.B. The exemptions provided by subsection A of this section shall apply without regard to whether:1. The power to change the beneficiary is reserved to the insured; or2. The insured or the insured's estate is a contingent beneficiary.C. The exemptions provided by subsection A of this section do not apply to:1. Premium payments made in fraud of creditors subject to the applicable statute of limitations for the recovery of the premium payments;2. Fines imposed for violation of state or federal statutes; or3. A debt of the insured or beneficiary secured by a pledge of the policy or its proceeds.D. This section shall not prevent the proper assignment of any money or benefits to be paid or rendered under an insurance policy, or any rights under the policy, by the insured or owner in accordance with the terms of the policy. A policy shall also be deemed to be payable to a person other than the insured if and to the extent that a facility-of-payment clause or similar clause in the policy permits the insurer to discharge its obligation after the death of the individual insured by paying the death benefits to a person as permitted by such clause.E. Wherever any policy of insurance or plan or program of annuities and benefits mentioned in subsection A of this section shall contain a provision against assignment or commutation by any beneficiary thereunder of the money or benefits to be paid or rendered thereunder, or any rights therein, any assignment or commutation or any attempted assignment or commutation by such beneficiary of such money or benefits or rights in violation of such provision shall be wholly void.F. This section shall apply to money or benefits to be paid or rendered to an insured or a beneficiary under any policy, plan or program provided for in subsection A of this section without regard to whether the policy was issued or the plan or program was established before, on, or after September 1, 1992.Added by Laws 1992, c. 261, § 1, eff. Sept. 1, 1992.
36 OK Stat § 36-3632 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3632. Exemption of proceeds, group life.

|A. A policy of group life insurance or the proceeds thereof payable to the individual insured or to the beneficiary thereunder, shall not be liable, either before or after payment, to be applied by any legal or equitable process to pay any liability of any person having a right under the policy. The proceeds thereof, when not made payable to a named beneficiary or to a third person pursuant to a facility-of-payment clause, shall not constitute a part of the estate of the individual insured for the payment of his debts. |B. This section shall not apply to group life insurance issued pursuant to Article 41 (Group life insurance and group annuity contracts) to a creditor covering his debtors, to the extent that such proceeds are applied to payment of the obligation for the purpose of which the insurance was so issued.Laws 1957, p. 370, § 3632.
36 OK Stat § 36-3633 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3633. Policies issued in violation of Code; penalty.

|Any insurer or corporation, or any officer or agent thereof, issuing or delivering to any person in this state any policy in willful violation of any provision of this Code shall be guilty of a misdemeanor. |Laws 1957, p. 370, § 3633.
36 OK Stat § 36-3634 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3634. Chiropody, podiatry, psychology and clinical social work - Accident and health benefits.

|Medical or surgical services or procedures constituting the practice of podiatric medicine, as defined by Section 142 of Title 59 of the Oklahoma Statutes, psychological services or procedures constituting the practice of psychology, as defined by Section 1352 of Title 59 of the Oklahoma Statutes, and licensed and certified clinical social work services provided by persons meeting the qualifications required under subsection B of Section 1261.1 of Title 59 of the Oklahoma Statutes and covered by the terms of any individual, group, blanket or franchise policy, agreement or service contract providing accident or health benefits coverage in Oklahoma issued by any insurer, whether a stock or mutual insurance company, a medical service corporation or association, or any other type of issuer whatever, and covering an Oklahoma risk may be performed by any practitioner licensed to do so under Sections 136 through 160.2, Sections 1351 through 1376 or subsection B of Section 1261.1 of Title 59 of the Oklahoma Statutes, who is selected by the insured provided that where covered benefits are offered through a contracting preferred provider organization, the podiatrist, psychologist, or clinical social worker is a contracting provider. Except in the case of a contracting preferred provider organization, any provision, exclusion or limitation in such a policy denying an insured the free choice of such licensed podiatric physician, psychologist or certified clinical social worker shall, to the extent of the denial, be void, but such voidance shall not affect the validity of the other provisions of the policy. |Added by Laws 1963, c. 146, § 1, emerg. eff. June 5, 1963. Amended by Laws 1965, c. 133, § 1, emerg. eff. May 24, 1965; Laws 1974, c. 115, § 1, emerg. eff. May 1, 1974; Laws 1975, c. 79, § 1, emerg. eff. April 22, 1975; Laws 1982, c. 61, § 2, operative Oct. 1, 1982; Laws 1993, c. 26, § 1, eff. Sept. 1, 1993.
36 OK Stat § 36-3634.1 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3634.1. Prescription drug coverage - Enforcement.

|A. This act shall apply to medical benefit contracts, health care centers, insurance companies and health maintenance organizations which provide coverage for prescription drugs. |B. The Insurance Commissioner shall implement and enforce the provisions of this act pursuant to the Oklahoma Insurance Code, Section 101 et seq. of this title.Added by Laws 1994, c. 141, § 1, eff. Sept. 1, 1994.
36 OK Stat § 36-3634.2 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3634.2. Prescription drug coverage - Definitions.

|As used in this act: |1. "Co-payment" means a type of cost sharing whereby insured or covered persons pay a specified predetermined amount per unit of service with their insurer paying the remainder of the charge. The co-payment is incurred at the time the service is rendered. The co-payment may be a fixed or variable amount;2. "Contract provider" means a pharmacy or pharmacist granted the right to provide prescription drugs and pharmacy services according to the terms of the insurer;3. "Insurer" means any individual, plan, policy or contract that provides health care coverage benefits for pharmacy services including, but not limited to, prescription drugs;4. "Pharmacist" means any person licensed by the Oklahoma State Board of Pharmacy to practice pharmacy; and5. "Pharmacy" means a pharmacy licensed by the Oklahoma State Board of Pharmacy.Added by Laws 1994, c. 141, § 2, eff. Sept. 1, 1994.
36 OK Stat § 36-3634.3 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3634.3. Prescription drug coverage - Pharmacy contracts - Open pharmacy networks.

|A. A health insurance plan or policy or health maintenance organization providing prescription drugs as a covered benefit shall provide a pharmacy or group of pharmacies with the right to bid on a periodic basis, but not less than every three (3) years, on any pharmacy contract to provide pharmacy services, including, but not limited to, prescription drugs. |B. Nothing in this act shall be interpreted to preclude a health insurance plan or policy or health maintenance organization from establishing an open pharmacy network for the provision of pharmacy services, including, but not limited to, prescription drugs.C. The provisions of this section shall not apply to a health insurance plan or policy or health maintenance organization that maintains an open pharmacy network.Added by Laws 1994, c. 141, § 3, eff. Sept. 1, 1994.
36 OK Stat § 36-3634.5 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3634.5. Synchronization of prescription drug refills.

|A. A health benefit plan that provides benefits for prescription drugs delivered, issued or renewed after November 1, 2017, shall provide for synchronization of prescription drug refills on at least one occasion per insured per year, provided all of the following conditions are met: |1. The prescription drugs are covered by the health benefit plan's clinical coverage policy or have been approved by a formulary exceptions process;2. The prescription drugs are maintenance medications as defined by the plan and have available refill quantities at the time of synchronization;3. The medications are not Schedule II, III or IV controlled substances;4. The insured meets all utilization management criteria to the prescription drugs at the time of synchronization;5. The prescription drugs are of a formulation that can be safely split into short-fill periods to achieve synchronization;6. The prescription drugs do not have special handling or sourcing needs as determined by the plan, contract, or agreement that require a single, designated pharmacy to fill or refill the prescription; and7. The covered person agrees to the synchronization.B. When necessary to permit synchronization, the health benefit plan shall apply a prorated daily cost-sharing rate to any medication dispensed by a network pharmacy pursuant to this section. No dispensing fees shall be prorated, and all dispensing fees shall be based on the number of prescriptions filled or refilled.C. As used in this section, "synchronization" means the coordination of medication refills for a patient taking two or more medications for one or more chronic conditions such that the patient's medications are refilled on the same schedule for a given time period.Added by Laws 2017, c. 140, § 1, eff. Nov. 1, 2017.