reglab/housing_qa huggingface dataset:
IA Code § 514.23 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 514 - NONPROFIT HEALTH SERVICE CORPORATIONS|Section 514.23 - Mutualization plan.

514.23 Mutualization plan.   1. A corporation organized under chapter 504, Code 1989, or current chapter 504, and governed by this chapter, may become a mutual insurer under a plan which is approved by the commissioner of insurance. The plan shall state whether the insurer will be organized as a for-profit corporation pursuant to chapter 490 or 491 or a nonprofit corporation pursuant to chapter 504. Upon consummation of the plan, the corporation shall fully comply with the requirements of the law that apply to a mutual insurance company. If the insurer is to be organized under chapter 504, then at least seventy-five percent of the initial board of directors of the mutual insurer so formed shall be policyholders who are also nonproviders of health care. All directors comprising this initial board of directors shall be selected by an independent committee appointed by the state commissioner of insurance. This independent committee shall consist of seven to eleven persons who are current policyholders, who are nonproviders of health care, and who are not directors of a corporation subject to this chapter. For purposes of this subsection, a “nonprovider of health care” is an individual who is not any of the following:   a. A “provider” as defined in section 514B.1, subsection 7.   b. A person who has material financial or fiduciary interest in the delivery of health care services or a related industry.   c. An employee of an institution which provides health care services.   d. A spouse or a member of the immediate family of a person described in paragraphs “a” through “c”.   2. A corporation organized under chapter 504, Code 1989, or current chapter 504, and governed by this chapter, which becomes a mutual insurer under this section shall continue as a mutual insurer to be governed by the provisions of section 514.7 and shall also be governed by section 509.3, subsection 1, paragraph “f”.  85 Acts, ch 239, §4; 86 Acts, ch 1180, §6; 90 Acts, ch 1205, §36; 2004 Acts, ch 1049, §191; 2004 Acts, ch 1175, §393; 2017 Acts, ch 29, §151, 152  Referred to in §504.1108, 514E.1
IA Code § 514A.1 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 514A - ACCIDENT AND HEALTH INSURANCE|Section 514A.1 - Definition of accident and sickness insurance policy.

514A.1 Definition of accident and sickness insurance policy.   1. As used in this chapter, “policy of accident and sickness insurance” includes a policy or contract covering insurance against loss resulting from sickness, or from bodily injury or death by accident, or both. For the purposes of this chapter the words “policy of accident and sickness insurance” are interchangeable without deviation of meaning with the words “policy of accident and health insurance” or the words “policy of accident or health insurance”.   2. This chapter applies to all individual policies of such accident and sickness insurance written by Iowa or non-Iowa companies or associations duly licensed under chapter 508, 515, or 520 and, societies, orders, or associations licensed under chapter 512B writing sickness and accident policies providing benefits for loss of time.   3. Orders, societies or associations which admit to membership only persons engaged in one or more crafts or hazardous occupations in the same or similar lines of business and the societies or auxiliaries to such orders shall not be subject to the provisions of this chapter nor shall any religious order be subject to the provisions of this chapter.  [C54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §514A.1]  89 Acts, ch 83, §72, 73; 2012 Acts, ch 1023, §115  Referred to in §514D.2, 514D.3, 514D.7
IA Code § 514A.2 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 514A - ACCIDENT AND HEALTH INSURANCE|Section 514A.2 - Form of policy.

514A.2 Form of policy.   1. No policy of accident and sickness insurance shall be delivered or issued for delivery to any person in this state unless:   a. The entire money and other considerations therefor are expressed therein; and   b. The time at which the insurance takes effect and terminates is expressed therein; and   c. It purports to insure only one person, except that a policy may insure, originally or by subsequent amendment, upon the application of an adult member of a family who shall be deemed the policyholder, any two or more eligible members of that family, including husband, wife, dependent children or any children under a specified age which shall not exceed nineteen years and any other person dependent upon the policyholder; and   d. The style, arrangement and over-all appearance of the policy give no undue prominence to any portion of the text, and unless every printed portion of the text of the policy and of any endorsements or attached papers is plainly printed in light-faced type of a style in general use, the size of which shall be uniform and not less than ten point with a lower-case unspaced alphabet length not less than one hundred and twenty point (the “text” shall include all printed matter except the name and address of the insurer, name or title of the policy, the brief description if any, and captions and subcaptions); and   e. The exceptions and reductions of indemnity are set forth in the policy and, except those which are set forth in section 514A.3, are printed, at the insurer’s option, either included with the benefit provision to which they apply, or under an appropriate caption such as “exceptions”, or “exceptions and reductions”, provided that if an exception or reduction specifically applies only to a particular benefit of the policy, a statement of such exception or reduction shall be included with the benefit provision to which it applies; and   f. Each such form, including riders and endorsements, shall be identified by a form number in the lower left-hand corner of the first page thereof; and   g. It contains no provision purporting to make any portion of the charter, rules, constitution, or bylaws of the insurer a part of the policy unless such portion is set forth in full in the policy, except in the case of the incorporation of, or reference to, a statement of rates or classification of risks, or short-rate table filed with the commissioner.   2. If any policy is issued by an insurer domiciled in this state for delivery to a person residing in another state, and if the official having responsibility for the administration of the insurance laws of such other state shall have advised the commissioner that any such policy is not subject to approval or disapproval by such official, the commissioner may by ruling require that such policy meet the standards set forth in subsection 1 of this section and in section 514A.3.  [C54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §514A.2]  Referred to in §514A.12, 514D.3, 514D.7
IA Code § 514A.3A (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 514A - ACCIDENT AND HEALTH INSURANCE|Section 514A.3A - Refund of unearned premium upon death of insured.

514A.3A Refund of unearned premium upon death of insured.   In the event of the death of the insured of any policy covered by this chapter, the insurer, upon receipt of notice of the insured’s death supported by a certified copy of a valid death certificate and a request for a pro rata refund by a party entitled to claim such a refund, shall refund the unearned premium prorated to the month of the insured’s death. Refund of the premium and termination of the coverage shall be without prejudice to any claim originating prior to the date of the insured’s death. The commissioner of insurance shall adopt by rule the minimum amount required for issuance of a refund.  2004 Acts, ch 1110, §39  Referred to in §514D.3, 514D.7
IA Code § 514A.3B (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 514A - ACCIDENT AND HEALTH INSURANCE|Section 514A.3B - Additional requirements.

514A.3B Additional requirements.   1. An insurer which accepts an individual for coverage under an individual policy or contract of accident and health insurance shall waive any time period applicable to a preexisting condition exclusion or limitation period requirement of the policy or contract with respect to particular services in an individual health benefit plan for the period of time the individual was previously covered by qualifying previous coverage as defined in section 513C.3, by chapter 249A or 514I, or by Medicare coverage provided pursuant to Tit. XVIII of the federal Social Security Act that provided benefits with respect to such services, provided that the coverage was continuous to a date not more than sixty-three days prior to the effective date of the new policy or contract.   2. An insurer issuing an individual policy or contract of accident and health insurance which provides coverage for children of the insured shall permit continuation of existing coverage or reenrollment in previously existing coverage for an individual who meets the requirements of section 513B.2, subsection 14, paragraph “a”, “b”, “c”, “d”, or “e”, and who is an unmarried child of an insured or enrollee who so elects, at least through the policy anniversary date on or after the date the child marries, ceases to be a resident of this state, or attains the age of twenty-five years old, whichever occurs first, or so long as the unmarried child maintains full-time status as a student in an accredited institution of postsecondary education.   3. For the purposes of any policies of accident and sickness insurance issued in this state, “creditable coverage” means health benefits or coverage provided to an individual under any of the following:   a. A group health plan.   b. Health insurance coverage.   c. Part A or Part B Medicare pursuant to Tit. XVIII of the federal Social Security Act.   d. Medicaid pursuant to Tit. XIX of the federal Social Security Act, other than coverage consisting solely of benefits under section 1928 of that Act.   e. 10 U.S.C. ch. 55.   f. A health or medical care program provided through the Indian health service or a tribal organization.   g. A state health benefits risk pool.   h. A health plan offered under 5 U.S.C. ch. 89.   i. A public health plan as defined under federal regulations.   j. A health benefit plan under section 5(e) of the federal Peace Corps Act, 22 U.S.C. §2504(e).   k. A short-term limited duration policy.   l. The hawk-i program authorized by chapter 514I.  2008 Acts, ch 1188, §42, 43; 2009 Acts, ch 118, §9, 11, 21, 22; 2017 Acts, ch 148, §60  Referred to in §514D.3, 514D.7
IA Code § 514A.4 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 514A - ACCIDENT AND HEALTH INSURANCE|Section 514A.4 - Conforming to statute.

514A.4 Conforming to statute.   1. Other policy provisions. A policy provision which is not subject to section 514A.3 shall not make a policy, or any portion of a policy, less favorable in any respect to the insured or the beneficiary than the provisions of the policy which are subject to this chapter.   2. Policy conflicting with this chapter. A policy delivered or issued for delivery to any person in this state in violation of this chapter shall be held valid but shall be construed as provided in this chapter. When any provision in a policy subject to this chapter is in conflict with any provision of this chapter, the rights, duties and obligations of the insurer, the insured and the beneficiary shall be governed by the provisions of this chapter.  [C54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §514A.4]  2019 Acts, ch 59, §185  Referred to in §514A.12, 514D.3, 514D.7
IA Code § 514A.5 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 514A - ACCIDENT AND HEALTH INSURANCE|Section 514A.5 - Application.

514A.5 Application.   1. The insured shall not be bound by any statement made in an application for a policy unless a copy of such application is endorsed on the policy when issued as a part thereof or is furnished to the policyholder within thirty days after the policy is issued. If any such policy delivered or issued for delivery to any person in this state shall be reinstated or renewed, and the insured or the beneficiary or assignee of such policy shall make written request to the insurer for a copy of the application, if any, for such reinstatement or renewal, the insurer shall within fifteen days after the receipt of such request at its home office or any branch office of the insurer, deliver or mail to the person making such request, a copy of such application. If such copy shall not be so delivered or mailed, the insurer shall be precluded from introducing such application as evidence in any action or proceeding based upon or involving such policy or its reinstatement or renewal.   2. No alteration of any written application for any such policy shall be made by any person other than the applicant without the applicant’s written consent, except that insertions may be made by the insurer, for administrative purposes only, in such manner as to indicate clearly that such insertions are not to be ascribed to the applicant.   3. The falsity of any statement in the application for any policy covered by this chapter may not bar the right to recovery thereunder unless such false statement materially affected either the acceptance of the risk or the hazard assumed by the insurer.  [C54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §514A.5]  2005 Acts, ch 70, §12  Referred to in §514D.3, 514D.7
IA Code § 514A.6 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 514A - ACCIDENT AND HEALTH INSURANCE|Section 514A.6 - Notice — waiver.

514A.6 Notice — waiver.   The acknowledgment by any insurer of the receipt of notice given under any policy covered by this chapter, or the furnishing of forms for filing proofs of loss, or the acceptance of such proofs, or the investigation of any claim thereunder shall not operate as a waiver of any of the rights of the insurer in defense of any claim arising under such policy.  [C54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §514A.6]  Referred to in §514D.3, 514D.7
IA Code § 514A.7 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 514A - ACCIDENT AND HEALTH INSURANCE|Section 514A.7 - Age limit.

514A.7 Age limit.   If any such policy contains a provision establishing, as an age limit or otherwise, a date after which the coverage provided by the policy will not be effective, and if such date falls within a period for which premium is accepted by the insurer or if the insurer accepts a premium after such date, the coverage provided by the policy will continue in force subject to any right of cancellation until the end of the period for which premium has been accepted. In the event the age of the insured has been misstated and if, according to the correct age of the insured, the coverage provided by the policy would not have become effective, or would have ceased prior to the acceptance of such premium or premiums, then the liability of the insurer shall be limited to the refund, upon request, of all premiums paid for the period not covered by the policy.  [C54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §514A.7]  Referred to in §514D.3, 514D.7
IA Code § 514A.8 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 514A - ACCIDENT AND HEALTH INSURANCE|Section 514A.8 - Nonapplication to certain policies.

514A.8 Nonapplication to certain policies.   Nothing in this chapter shall apply to or affect any of the following:   1. Any policy of workers’ compensation insurance or any policy of liability insurance with or without supplementary expense coverage therein.   2. Any policy or contract of reinsurance.   3. Any blanket or group policy of insurance.   4. Life insurance, endowment or annuity contracts, or contracts supplemental thereto which contain only such provisions relating to accident and sickness insurance as provide additional benefits in case of death or dismemberment or loss of sight by accident, or as operate to safeguard such contracts against lapse, or to give a special surrender value or special benefit or an annuity in the event that the insured or annuitant shall become totally and permanently disabled, as defined by the contract or supplemental contract.  [C54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §514A.8]  2018 Acts, ch 1041, §102  Referred to in §514D.3, 514D.7
IA Code § 514A.9 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 514A - ACCIDENT AND HEALTH INSURANCE|Section 514A.9 - Violation.

514A.9 Violation. Repealed by  2004 Acts, ch 1110, §71  .
IA Code § 514A.10 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 514A - ACCIDENT AND HEALTH INSURANCE|Section 514A.10 - Judicial review.

514A.10 Judicial review.   Judicial review of the actions of the commissioner may be sought in accordance with the terms of the Iowa administrative procedure Act, chapter 17A.  [C54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §514A.10]  2003 Acts, ch 44, §114  Referred to in §514D.3, 514D.7
IA Code § 514A.11 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 514A - ACCIDENT AND HEALTH INSURANCE|Section 514A.11 - Inconsistent acts not applicable.

514A.11 Inconsistent acts not applicable.   All Acts or parts of Acts inconsistent with this chapter shall not apply to the provisions hereof to the extent of said inconsistency.  [C54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §514A.11]  Referred to in §514D.3, 514D.7
IA Code § 514A.12 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 514A - ACCIDENT AND HEALTH INSURANCE|Section 514A.12 - Title and effective date of chapter.

514A.12 Title and effective date of chapter.   This chapter may be cited as the “Uniform Individual Accident and Sickness Act.” This chapter shall take effect on the fourth day of July, 1951. A policy, filed with and approved by the insurance commissioner prior to the effective date of this chapter for use, delivery, or issue for delivery to any person in this state, may continue to be used, or delivered, or issued for delivery to any person in this state for a period of five years from and after said effective date without being subject to the provisions of sections 514A.2, 514A.3 and 514A.4; and any rider or endorsement filed with and approved by the insurance commissioner at any time may be used, or delivered, or issued for delivery to any person holding such a policy without being subject to the provisions of sections 514A.2, 514A.3 and 514A.4.  [C54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §514A.12]  Referred to in §514D.3, 514D.7
IA Code § 514A.13 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 514A - ACCIDENT AND HEALTH INSURANCE|Section 514A.13 - Filing requirement — prior approval.

514A.13 Filing requirement — prior approval.   1. A policy of insurance against loss or expense from sickness or from the bodily injury or death by accident of the insured shall not be issued or delivered to any person in this state and an application, rider, or endorsement shall not be used in connection with the policy until a copy of the policy form and of the classification of risks and the premium rates, or, in the case of cooperatives or assessment companies the estimated costs pertaining to the policy, have been filed with and approved by the commissioner.   2. A filing is deemed to be approved unless disapproved by the commissioner within thirty days of receipt of the filing by the commissioner. Subsequent rate changes are also subject to this section.  91 Acts, ch 213, §17; 92 Acts, ch 1162, §20; 2018 Acts, ch 1041, §127  Referred to in §514A.14
IA Code § 514A.14 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 514A - ACCIDENT AND HEALTH INSURANCE|Section 514A.14 - Disapproval of filing.

514A.14 Disapproval of filing.   1. The commissioner shall notify an insurer which has filed a policy form pursuant to section 514A.13 that does not comply with this chapter or chapter 514D, or rules adopted pursuant to those chapters. The notice shall inform the insurer that it is unlawful for the insurer to issue the form or use it in connection with any policy, if the commissioner finds upon review of the form, either of the following:   a. The benefits provided are unreasonable in relation to the premium charged.   b. The form contains a provision which is unjust, unfair, inequitable, misleading, deceptive, or which encourages misrepresentation of the policy.   2. In a notice provided under subsection 1, the commissioner shall specify the reasons for disapproval and state that a hearing will be granted within twenty days after request in writing by the insurer.  91 Acts, ch 213, §18  Referred to in §514A.15
IA Code § 514A.15 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 514A - ACCIDENT AND HEALTH INSURANCE|Section 514A.15 - Withdrawal of approval.

514A.15 Withdrawal of approval.   The commissioner may at any time, after opportunity for hearing, withdraw the commissioner’s previously given approval of any such form on any of the grounds stated in section 514A.14. It shall be unlawful for the insurer to issue a form or use the form in connection with any policy after the effective date of the withdrawal of approval. The notice of any hearing granted under this section shall specify the matters to be considered at the hearing. Any decision affirming disapproval or directing withdrawal of approval under this section shall be in writing and shall specify the reasons for the disapproval or withdrawal of approval.  91 Acts, ch 213, §19
IA Code § 514B.2 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 514B - HEALTH MAINTENANCE ORGANIZATIONS|Section 514B.2 - Establishment of health maintenance organizations.

514B.2 Establishment of health maintenance organizations.   Any person may apply to the commissioner for and obtain a certificate of authority to establish and operate a health maintenance organization in compliance with this chapter. A person shall not establish or operate a health maintenance organization in this state, nor sell, offer to sell, or solicit offers to purchase or receive advance or periodic consideration in conjunction with a health maintenance organization without obtaining a certificate under this chapter.  [C75, 77, 79, 81, §514B.2]
IA Code § 514B.3A (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 514B - HEALTH MAINTENANCE ORGANIZATIONS|Section 514B.3A - Articles — approval — bylaws.

514B.3A Articles — approval — bylaws.   The articles of incorporation, and any subsequent amendments, of a corporation shall be filed with and approved by the commissioner of insurance before filing with the secretary of state. A corporation shall file bylaws and subsequent amendments to the bylaws with the commissioner within thirty days of adoption of the bylaws and amendments.  2000 Acts, ch 1023, §24; 2009 Acts, ch 145, §10
IA Code § 514B.3B (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 514B - HEALTH MAINTENANCE ORGANIZATIONS|Section 514B.3B - Certificate of authority — renewal.

514B.3B Certificate of authority — renewal.   A certificate of authority of a health maintenance organization formed under this chapter expires on June 1 succeeding its issue and shall be renewed annually so long as the organization transacts its business in accordance with all legal requirements. A health maintenance organization shall submit annually, on or before March 1, a completed application for renewal of its certificate of authority. A health maintenance organization that fails to timely file an application for renewal shall pay an administrative penalty of five hundred dollars to the treasurer of state for deposit as provided in section 505.7. A duly certified copy or duplicate of the certificate is admissible in evidence for or against the organization with the same effect as the original.  2006 Acts, ch 1117, §58; 2009 Acts, ch 181, §73  Referred to in §514B.33