reglab/housing_qa huggingface dataset:
AK Stat § 21.42.385 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 42. The Insurance Contract|Article 2. Specific Coverage Provisions.|Sec. 21.42.385. Dental, vision, and hearing coverage.

(a) Except for a fraternal benefit society, a health care insurer that offers, issues for delivery, delivers, or renews in this state a health care insurance plan, including a Medicare supplement policy to the extent not prohibited by 42 U.S.C. 1395 (Social Security Act), shall offer to each plan sponsor or individual minimum dental, vision, and hearing coverage described in (b) of this section. Coverage required under this subsection may be offered as a rider or in a separate policy. (b) The minimum coverage required under (a) of this section (1) may be provided under contract with another health care insurer; (2) may not be less than the dental, vision, and hearing coverage provided on July 1, 2009, to an individual entitled to medical benefits under AS 39.35.535 (public employees' retirement system of Alaska); and (3) shall be adjusted by the director on July 1, 2012, and every three years thereafter to correspond to changes in coverage provided to individuals entitled to medical benefits under AS 39.35.535. (c) This section does not apply to a health care insurer that has written less than $300,000 in premiums in the previous calendar year. A health care insurer exempt under this subsection shall disclose the exemption when offering, issuing for delivery, delivering, or renewing a health care insurance plan or an excepted benefits contract, and shall advise the individual covered under the plan that health care insurers that have written more than $300,000 in premiums in the previous calendar year are required to offer coverage under (a) and (b) of this section. (d) This section does not require an insurer who offers only group insurance coverage under AS 21.54 to offer dental, vision, and hearing coverage to an individual.
AK Stat § 21.42.390 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 42. The Insurance Contract|Article 2. Specific Coverage Provisions.|Sec. 21.42.390. Coverage for treatment of diabetes.

(a) A health care insurer that offers in this state a health care insurance plan that includes coverage for pharmacy services shall initially and at each renewal provide coverage for the cost of treating diabetes, including medication, equipment, and supplies. All health care insurance plans must include coverage for outpatient self-management training or education, and medical nutrition therapy, if diabetes treatment is prescribed by a health care provider. The coverage required by this section is subject to standard policy provisions applicable to other benefits, including deductible or copayment provisions. Coverage for the cost of diabetes outpatient self-management training or education and for the cost of medical nutrition therapy is only required if provided by a health care provider with training in the treatment of diabetes. (b) [Repealed, § 2 ch 23 SLA 2000.]  (c) In this section, (1) “diabetes” includes insulin-dependent diabetes, insulin-using diabetes, gestational diabetes, and non-insulin-using diabetes; (2) “health care provider” means a person licensed to provide health care services as required by the state.
AK Stat § 21.42.395 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 42. The Insurance Contract|Article 2. Specific Coverage Provisions.|Sec. 21.42.395. Coverage for prostate and cervical cancer detection.

(a) Except for a fraternal benefit society, a health care insurer that offers, issues for delivery, delivers, or renews in this state a health care insurance plan shall provide coverage for the costs of prostate cancer screening tests as required under the schedule described in (b) of this section and shall provide coverage for the costs of cervical cancer screening tests as required under (c) of this section. The coverage required by this section is subject to standard policy provisions applicable to other benefits, including deductible or copayment provisions. If a physician recommends that a covered individual undergo prostate cancer screening by taking a prostate antigen blood test, coverage may not be denied because the covered individual has already had a digital rectal examination and the examination results were negative. (b) The minimum coverage required under (a) of this section includes an annual prostate cancer screening test for a person who is (1) at least 35 years of age but less than 40 years of age and the person is in a high risk group; in this paragraph, “high risk” means a person who is an African-American or who has a family history of prostate cancer; or (2) 40 or more years of age. (c) The minimum coverage required under (a) of this section for cervical cancer screening is an annual pap smear cancer screening test for a person who is 18 or more years of age. (d) [Repealed, § 115 ch 81 SLA 1997.]  (e) In this section, “prostate cancer screening tests” includes a prostate antigen blood test or another test that is equivalent or better in cancer detection.
AK Stat § 21.42.400 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 42. The Insurance Contract|Article 2. Specific Coverage Provisions.|Sec. 21.42.400. Coverage for reconstructive surgery following mastectomy.

A health care insurer that offers, issues for delivery, delivers, or renews in this state a health care insurance plan providing medical and surgical benefits for mastectomies shall comply with 42 U.S.C. 300gg-6 and 42 U.S.C. 300gg-52 regarding coverage for reconstructive surgery following mastectomies.
AK Stat § 21.42.405 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 42. The Insurance Contract|Article 2. Specific Coverage Provisions.|Sec. 21.42.405. High deductible health plan.

(a) A health care insurer that offers, issues, delivers, or renews a health care insurance plan in this state may apply deductible or copayment requirements to health care benefits and services that qualify the health care insurance plan as a high deductible health plan. (b) In this section, “high deductible health plan” has the meaning given in 26 U.S.C. 223 (Internal Revenue Code).
AK Stat § 21.42.410 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 42. The Insurance Contract|Article 2. Specific Coverage Provisions.|Sec. 21.42.410. Coverage of dependent students on medically necessary leaves of absence.

A health care insurer that offers a health care insurance plan in the individual or group market shall comply with the coverage requirements for dependent students on medically necessary leaves of absence under 42 U.S.C. 300gg-54.
AK Stat § 21.42.420 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 42. The Insurance Contract|Article 2. Specific Coverage Provisions.|Sec. 21.42.420. Coverage for prescription drugs; specialty drug tiers prohibited.

A health care insurer that offers, issues, delivers, or renews a health care insurance plan in the individual or group market in the state that provides coverage for prescription drugs for which cost sharing, deductibles, or copayment obligations are determined by unique categories or specialty tiers may impose cost sharing, deductibles, or copayment obligations for a unique category or specialty tier prescription drug that exceed the dollar amount of cost sharing, deductibles, or copayment obligations, as applicable, for a nonpreferred brand drug or the drug's equivalent, but only if the insurer notifies the insured of the cost sharing, deductible, or copayment terms applicable to unique categories or specialty tiers at least 90 days before the terms apply.
AK Stat § 21.42.422 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 42. The Insurance Contract|Article 2. Specific Coverage Provisions.|Sec. 21.42.422. Coverage for telehealth.

(a) A health care insurer that offers, issues for delivery, or renews in the state a health care insurance plan in the group or individual market shall provide coverage for benefits provided through telehealth by a health care provider licensed in this state and may not require that prior in-person contact occur between a health care provider and a patient before payment is made for covered services. (b) In this section, (1) “health care insurer” means a person transacting the business of health care insurance, including an insurance company licensed under AS 21.09, a hospital or medical service corporation licensed under AS 21.87, a fraternal benefit society licensed under AS 21.84, a health maintenance organization licensed under AS 21.86, the Comprehensive Health Insurance Association described in AS 21.55.010, a multiple employer welfare arrangement, a church plan, and a governmental plan, except for a nonfederal governmental plan that elects to be excluded under 42 U.S.C. 300gg-21(a)(2) (Health Insurance Portability and Accountability Act of 1996); (2) “telehealth” has the meaning given in AS 47.05.270(e).
AK Stat § 21.42.425 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 42. The Insurance Contract|Article 2. Specific Coverage Provisions.|Sec. 21.42.425. Coverage for prescription topical eye medication.

(a) A health care insurer that offers, issues for delivery, delivers, or renews a health care insurance plan in the group or individual market in the state that provides coverage for prescription topical eye medication shall allow the early refill of a prescription for a topical eye medication to treat a chronic condition before the last day of the prescribed dosage period, without regard to a coverage restriction. (b) A covered person may request an early refill under this section (1) not earlier than 23 days after a prescription for a 30-day supply is dispensed; (2) not earlier than 45 days after a prescription for a 60-day supply is dispensed; (3) not earlier than 68 days after a prescription for a 90-day supply is dispensed; (4) if the prescriber has indicated the number of refills needed; and (5) if the prescription topical eye medication being refilled is covered under the covered person's policy. (c) A covered person may receive an early refill under this section not more than once during the approved dosage period. (d) A covered person may only receive an early refill under this section if the refill does not exceed the number of refills prescribed.
AK Stat § 21.42.430 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 42. The Insurance Contract|Article 2. Specific Coverage Provisions.|Sec. 21.42.430. Coverage for anti-cancer medication.

(a) Except for a fraternal benefit society, a health care insurer that offers, issues for delivery, delivers, or renews in this state a health care insurance plan that provides coverage for anti- cancer medications that are injected or intravenously administered by a health care provider and patient-administered anti-cancer medications, including those orally administered or self-injected, may not require a higher copayment, deductible, or coinsurance amount for a patient-administered medication than it requires for an anti- cancer medication injected or intravenously administered by a health care provider, regardless of the formulation or benefit category determination by the policy or plan. (b) A health care insurer may not offset the costs of compliance with (a) of this section by (1) increasing the copayment, deductible, or coinsurance amount required for anti-cancer medications injected or intravenously administered by a health care provider that are covered under the health insurance plan; or (2) reclassifying benefits with respect to anti-cancer medications. (c) Nothing in this section prohibits a health care insurance plan from requiring different cost-sharing rates for in-network and out-of-network providers or pharmacies. (d) In this section, “anti-cancer medication” means a drug or biologic used to kill cancerous cells, to slow or prevent the growth of cancerous cells, or to treat related side effects.
AK Stat § 21.42.599 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 42. The Insurance Contract|Article 2. Specific Coverage Provisions.|Sec. 21.42.599. Definitions.

In AS 21.42.345 - 21.42.599, (1) “copayment” means the portion of medical care expenses in excess of the deductible to be paid by a covered individual; (2) “deductible” means the portion of medical care expenses for which a covered individual must pay before benefits become payable; (3) “excepted benefits” has the meaning given in AS 21.54.160; (4) “fraternal benefit society” has the meaning given in AS 21.84.900; (5) “health care insurance plan” has the meaning given in AS 21.54.500; “health care insurance plan” does not include short-term limited-duration insurance offered to individuals in the individual market; (6) “health care insurer” has the meaning given in AS 21.54.500; (7) “individual market” has the meaning given in AS 21.51.500; (8) “placed for adoption” has the meaning given in AS 21.54.500.
AK Stat § 21.42.705 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 42. The Insurance Contract|Article 3. Compact Concerning Annuity, Life, Disability, and Long-term Care Insurance.|Sec. 21.42.705. Opt-out duties, guidelines, remedies.

(a) As a participant in the Interstate Insurance Product Regulation Compact, it is the policy of the state to opt out, and the director shall opt out, of any Uniform Standard that provides a materially lower level of protection for or materially diminishes the rights of Alaska policyholders or policy applicants under Alaska law. (b) If the director or a court of competent jurisdiction finds that the policy set out in (a) of this section has been violated, notice of the violation shall be given to the legislature, and reasonable and prompt measures shall be taken to opt out of the Uniform Standard that does not comply with the policy statement set out in (a) of this section to the extent that such action is permissible under the Interstate Insurance Product Regulation Compact.
AK Stat § 21.54.010 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 54. Health Insurance|Article 1. Group and Blanket Health Insurance.|Sec. 21.54.010. Required provisions of group policies.

Each group health insurance policy must contain in substance the following provisions: (1) a provision that, in the absence of fraud, all statements made by applicants or the policyholder or by an insured person shall be considered representations and not warranties, and that a statement made for the purpose of effecting insurance may not void the insurance or reduce benefits unless contained in a written instrument signed by the policyholder or the insured person, a copy of which has been furnished to the policyholder or to the insured person or the beneficiary of the insured person; (2) a provision that the insurer will furnish to the policyholder for delivery to each employee or member of the insured group, a statement in summary form of the essential features of the insurance coverage of the employee or member and to whom benefits are payable; if dependents are included in the coverage, only one certificate need be issued for each family unit; (3) a provision that to the group originally insured may be added from time to time eligible new employees or members or dependents, as the case may be, in accordance with the terms of the policy.
AK Stat § 21.54.015 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 54. Health Insurance|Article 1. Group and Blanket Health Insurance.|Sec. 21.54.015. Rate requirements; filings; regulations; health care insurance restrictions.

(a) Rates charged for a group health insurance policy may not be excessive, inadequate, or unfairly discriminatory. (b) A health care insurer may decline to cover or may restrict the coverage offered to a self-employed individual under an association plan authorized under AS 21.54.060(a)(6). (c) Except for large employer health care insurance plan premium rates exempted by the director by regulation under (d) of this section, an insurer shall file with the director the premium rates charged for each health care insurance plan before using them. A premium rate or premium rate change must be on file with the director for a waiting period of at least 45 days before the effective date of the premium rate. That period may be extended by the director or the insurer for an additional 15 days if, during the initial 45-day waiting period, notice is given stating that additional time for consideration of the filing is needed. A filing may become effective at the end of the waiting period unless disapproved by the director during the waiting period. If an insurer fails to provide information requested by the director during the waiting period, the filing is considered withdrawn by the insurer, and the premium rate does not become effective. (d) The director shall adopt regulations (1) establishing procedures for the filing and use of rates; and (2) specifying information that must be submitted in a filing required under (c) of this section.
AK Stat § 21.54.020 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 54. Health Insurance|Article 1. Group and Blanket Health Insurance.|Sec. 21.54.020. Direct payment to providers.

(a) On the written request of a covered person, a health care insurer shall pay amounts due under a health insurance policy directly to the provider of medical care services. A health insurance policy may not contain a provision that requires services be provided by a particular hospital or person, except as applicable to a health maintenance organization under AS 21.86. If a health care insurer makes a claim payment to the covered person after the covered person has given written notice electing direct payment to the provider of the service, the health care insurer shall also pay that amount to the provider of the service. (b) A covered person may revoke an election of direct claim payment made under (a) of this section by giving written notice of the revocation to the health care insurer and to the provider of the service. The written notice of revocation to the health care insurer must certify that the covered person has given written notice of revocation to the provider of the service. Revocation of direct claim payment is not effective until the later of the date the health care insurer received the notice of revocation or the date the provider of the service received the revocation. (c) The right of the covered person to request payment of indemnities under a blanket health insurance policy directly to the provider of the services or to another person may be transferred by a qualified domestic relations order to a person who is not the covered person. Rights under the qualified domestic relations order do not take effect until the order is received by the health care insurer. In this subsection, “qualified domestic relations order” means an order or judgment in a divorce or dissolution action under AS 25.24 that designates a person to determine to whom indemnities for a covered person should be paid under a health insurance policy. (d) This section does not prohibit a health care insurer from recovering an amount mistakenly paid to a provider or a covered person.
AK Stat § 21.54.040 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 54. Health Insurance|Article 1. Group and Blanket Health Insurance.|Sec. 21.54.040. Application and certificates not required.

An individual application may not be required from a person covered under a blanket health insurance policy or contract, nor is it necessary for the insurer to furnish each person a certificate.
AK Stat § 21.54.050 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 54. Health Insurance|Article 1. Group and Blanket Health Insurance.|Sec. 21.54.050. Payment of blanket health policy benefits.

(a) All benefits under a blanket health insurance policy shall be paid to (1) the person insured; (2) the designated beneficiary or beneficiaries of the person insured; (3) the estate of the person insured; (4) the parent, guardian, or other person actually supporting the person insured, if the person insured is a minor or otherwise not competent to give a valid release; or (5) the employer, if the entire cost of the insurance has been paid by the employer. An insurer may, and upon written request of the covered person shall, within 30 working days after receiving a proof of loss statement, pay benefits directly to the provider of the hospital, nursing, medical, dental, or surgical services. The policy may not contain a provision requiring that services be provided by a particular hospital or person, except as applicable to a health maintenance organization under AS 21.86. If the insurer pays indemnities to the insured after the covered person has given the insurer written notice in the proof of loss statement of an election of direct payment of indemnities to the provider of the service, the insurer shall also pay those indemnities to the provider of the service. (b) A covered person may revoke an election of direct payment of benefits made under (a) of this section by giving written notice of the revocation to the insurer and to the provider of the services. The written notice of revocation given to the insurer must certify that the covered person has given written notice of revocation to the provider of the services. Revocation of an election of direct payment is not effective until the notice of revocation is received by the insurer and the provider of the services. (c) The right of the covered person to request payment of indemnities under a group health insurance policy directly to the provider of the services or to another person may be transferred to a person who is not the covered person by a qualified domestic relations order. Rights under the qualified domestic relations order do not take effect until the order is received by the insurer. In this subsection, “qualified domestic relations order” means an order or judgment in a divorce or dissolution action under AS 25.24 that designates a person to determine to whom indemnities for a covered person should be paid under a health insurance policy. (d) This section does not prohibit an insurer from recovering an indemnity mistakenly paid to a provider or a covered person.