reglab/housing_qa huggingface dataset:
NH Rev Stat § 415:27 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415 - Accident and Health Insurance|Section 415:27 - Medication Synchronization.

    415:27 Medication Synchronization. –||I. An individual or group health insurance plan or policy providing prescription drug coverage in New Hampshire, shall permit and apply a prorated, daily cost-sharing rate to covered prescriptions for a chronic condition that are dispensed by an in-network pharmacy for less than a 30-day supply if the prescriber and pharmacist determine the fill or refill to be in the best interest of the patient for the management or treatment of a chronic, long-term care condition and the patient requests or agrees to less than a 30-day supply for the purpose of synchronizing the patient's medications. For the purposes of this paragraph, the insured's or enrollee's maintenance prescription drugs to be synchronized shall meet all of the following requirements:||(a) They are covered by the policy, certificate, or contract described in this chapter.||(b) They are used for the management and treatment of a chronic, long-term care condition and have authorized refills that remain available to the insured or enrollee.||(c) Except as otherwise provided in this paragraph, they are not a controlled substance included in schedules II-V.||(d) They meet all utilization management requirements specific to the maintenance-prescription drugs at the time of the request to synchronize the insured's or enrollee's multiple, maintenance-prescription drugs.||(e) They are of a formulation that can be effectively split over required short-fill periods to achieve synchronization.||(f) They do not have quantity limits or dose-optimization criteria or requirements that will be violated when synchronizing the insured's or enrollee's multiple, maintenance-prescription drugs.||II. The plan or policy described in paragraph I shall apply a prorated, daily cost-sharing rate for maintenance-prescription drugs that are dispensed by an in-network pharmacy for the purpose of synchronizing the insured's or enrollee's multiple, maintenance-prescription drugs.||III. The plan or policy described in paragraph I shall not reimburse or pay any dispensing fee that is prorated. The insurer shall only pay or reimburse a dispensing fee that is based on each maintenance-prescription drug dispensed.||IV. A synchronization shall only occur once per year per maintenance-prescription drug.|||Source. 2018, 103:1, eff. Jan. 1, 2019.|
NH Rev Stat § 415-A:2 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415-A - Standards for Accident and Health Insurance|Section 415-A:2 - Standards for Policy Provisions.

    415-A:2 Standards for Policy Provisions. –||I. The commissioner shall adopt rules to establish specific standards, including standards of full and fair disclosure, that set forth the manner, content and required disclosure for the sale of all policies of accident and health insurance which shall be in addition to, and in accordance with, applicable laws of this state, including RSA 415, which may cover but shall not be limited to:||(a) Terms of renewability.||(b) Initial and subsequent conditions of eligibility.||(c) Nonduplication of coverage provisions.||(d) Coverage of dependents.||(e) Preexisting conditions.||(f) Termination of insurance.||(g) Probationary periods.||(h) Limitations.||(i) Exceptions.||(j) Reductions.||(k) Elimination periods.||(l) Requirements for replacement.||(m) Recurrent conditions.||(n) The definition of terms including but not limited to the following: hospital, accident, sickness, injury, physician, accidental means, total disability, partial disability, nervous disorder, guaranteed renewable and noncancellable.||II. The commissioner may adopt rules prohibiting provisions which may be misleading or unreasonably confusing in connection with either the purchase of insurance or the settlement of claims; prohibiting provisions which may be contrary to the health care needs of the public or coverage which is so limited in scope as to be of no significant economic value to the holders thereof; and prohibiting provisions not otherwise specifically authorized by statute which, in the opinion of the commissioner, are unjust, unfair and unfairly discriminatory to the policyholder, certificate holder or subscriber, any other person insured under the policy, or the beneficiary.|||Source. 1975, 494:1, eff. Aug. 28, 1975.|
NH Rev Stat § 415-A:2-a (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415-A - Standards for Accident and Health Insurance|Section 415-A:2-a - Insurance Contracts; Welfare Recipients.

    415-A:2-a Insurance Contracts;  Welfare Recipients. –||No accident or health insurance policy issued or renewed after August 28, 1981 shall contain any provision denying or limiting insurance benefits because services are rendered to an insured or a dependent who is eligible for or who receives medical assistance under RSA 167 or RSA 161.|||Source. 1981, 502:3, eff. Aug. 28, 1981.|
NH Rev Stat § 415-A:2-b (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415-A - Standards for Accident and Health Insurance|Section 415-A:2-b - Use of Term Physician in Provider Contracts.

    415-A:2-b Use of Term Physician in Provider Contracts. –||No contract shall use the term physician for the purpose of allowing a health care insurer to avoid contracting with other health care professionals for health care services. A physician shall mean a person licensed to practice medicine under RSA 329. Nothing in this section shall be construed to require a health care insurer to contract with a health care provider.|||Source. 1998, 377:1, eff. Aug. 25, 1998.|
NH Rev Stat § 415-A:3 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415-A - Standards for Accident and Health Insurance|Section 415-A:3 - Minimum Standards for Benefits.

    415-A:3 Minimum Standards for Benefits. –||I. The commissioner shall adopt rules to establish minimum standards for benefits under each of the following categories of coverage:||(a) Basic hospital expense coverage.||(b) Basic medical-surgical expense coverage.||(c) Basic hospital/medical-surgical expense coverage.||(d) Hospital confinement indemnity coverage.||(e) Major medical expense coverage.||(f) Basic medical expense coverage.||(g) Disability income protection coverage.||(h) Accident only coverage.||(i) Specified disease coverage.||(j) Specified accident coverage.||(k) Limited benefit health coverage.||(l) Student major medical expense coverage.||II. Nothing in this section shall preclude the issuance of any policy or contract which combines 2 or more of the categories of coverage enumerated in subparagraphs I(a) through (l).||III. No policy shall be delivered or issued for delivery in this state which does not meet the prescribed minimum standards for the categories of coverage listed in subparagraphs I(a) through (l) which are contained within the policy unless the commissioner finds such policy will be in the public interest and such policy meets the requirements set forth in RSA 415. The commissioner may disapprove specific policy forms pursuant to RSA 415:2 and 3.||IV. The commissioner shall prescribe the method of identification of policies and contracts based upon coverages provided and may issue rules prescribing reasonable standardization and simplification of coverage to facilitate understanding and comparisons.|||Source. 1975, 494:1. 2002, 207:5, 6. 2010, 188:3, 4, eff. Aug. 20, 2010.|
NH Rev Stat § 415-A:4 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415-A - Standards for Accident and Health Insurance|Section 415-A:4 - Outline of Coverage.

    415-A:4 Outline of Coverage. –||I. In order to provide for full and fair disclosure in the sale of all policies of accident and health insurance, no such policy shall be delivered or issued for delivery in this state unless:||(a) In the case of a direct response insurance product, the outline of coverage described in paragraph III accompanies the policy; and||(b) In all other cases, the outline of coverage described in paragraph III is delivered to the applicant at the time application is made and an acknowledgment of receipt or certificate of delivery of such outline is provided the insurer with the application.||II. In the event the policy is issued on a basis other than that applied for, the outline of coverage properly describing the policy must accompany the policy when it is delivered and clearly state that it is not the policy for which application was made.||III. The commissioner shall prescribe the format and content of the outline of coverage required by paragraph I. "Format" means style, arrangement and overall appearance, including such items as the size, color and prominence of type and the arrangement of text and captions. Such outline of coverage shall include a:||(a) Statement identifying the applicable categories of coverage provided by the policy or contract as prescribed in RSA 415-A:3.||(b) Description of the principal benefits and coverage provided in the policy or contract.||(c) Statement of the exceptions, reductions and limitations contained in the policy or contract.||(d) Statement of the renewal provisions including any reservation by the insurer or nonprofit hospital or medical service association of a right to change premiums.||(e) Statement that the outline is a summary of the policy or contract issued or applied for and that the policy or contract should be consulted to determine governing contractual provisions.||(f) Statement that a maternity benefits rider will be made available at the insured's request, if maternity care is not covered under the policy. Nothing in this subparagraph shall be construed to apply to supplemental health insurance and disability insurance policies.|||Source. 1975, 494:1. 1993, 196:2, eff. Jan. 1, 1994.|
NH Rev Stat § 415-A:5 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415-A - Standards for Accident and Health Insurance|Section 415-A:5 - Preexisting Conditions.

    415-A:5 Preexisting Conditions. –||I. If an insurer or a nonprofit hospital or medical service association elects to use a simplified application form for a policy other than a Medicare supplement policy, with or without a question as to the applicant's health at the time of application, but without any questions concerning the insured's health history or medical treatment history, the policy, 9 months after the date of enrollment, must cover any loss occurring from any preexisting condition not specifically excluded from coverage by terms of the policy and, except as so provided, the policy shall not include wording that would permit a defense based upon preexisting conditions.||II. [Repealed.]||III. Health carriers issuing policies subject to RSA 420-G shall not impose any preexisting condition exclusion that is inconsistent with that chapter.|||Source. 1975, 494:1. 1981, 418:1. 1995, 112:23, II. 2004, 187:4. 2007, 289:10. 2011, 189:6, eff. Aug. 13, 2011. 2019, 220:12, eff. Sept. 10, 2019.|
NH Rev Stat § 415-A:5-a (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415-A - Standards for Accident and Health Insurance|Section 415-A:5-a - Access to Enhanced 911 System.

    415-A:5-a Access to Enhanced 911 System. –||I. No accident or health insurance policy issued or renewed after July 7, 2000 shall contain any provision which establishes or promotes an emergency medical response or transportation system that encourages or directs access by an insured or enrollee in competition with or in substitution of the state enhanced 911 system or other state, county, or local government emergency medical services system.||II. Notwithstanding paragraph I, an insurer may use transportation outside the enhanced 911 or other government emergency medical services system for services that are not in response to an emergency medical condition, as defined in RSA 420-J:3, XV.||III. No accident or health insurance policy issued or renewed after July 7, 2000 shall contain any provision requiring an insured or enrollee to obtain prior authorization before accessing the enhanced 911 system or other state, county, or local government emergency medical services system for response and/or transportation for emergency services, as defined in RSA 420-J:3, XVI.||IV. No person who issues an accident or health insurance policy subject to this chapter shall use false or misleading language in its enrollment sales materials or in any other materials provided to insureds or enrollees to discourage or prohibit insureds or enrollees from accessing the enhanced 911 system for response and/or transportation for emergency services.|||Source. 2000, 104:1, eff. July 7, 2000.|
NH Rev Stat § 415-A:6 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415-A - Standards for Accident and Health Insurance|Section 415-A:6 - Adoption of Rules.

    415-A:6 Adoption of Rules. –||I. Rules promulgated pursuant to this chapter shall be subject to notice and hearing pursuant to RSA 541-A. When a rule adopted pursuant to this chapter so provides, a policy of insurance issued subsequent to the rule's effective date and any optionally renewable policy of insurance renewed subsequent to the rule's effective date which does not comply with the rule shall, not less than 60 days after the rule's effective date, be construed, and the insurer or corporation shall be liable, as if the policy did comply with the rule.||II. The commissioner shall adopt rules to establish specific standards for processing benefit claims under group disability plans that shall be consistent with and not more restrictive than the United States Department of Labor Benefit Claims Procedure Regulation, 29 CFR 2560.503, as existing and thereafter amended, that sets standards for group disability plans under the Employee Retirement Income Security Act of 1974.|||Source. 1975, 494:1. 2003, 175:7, eff. Jan. 1, 2004.|
NH Rev Stat § 415-B:1 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415-B - Premium Finance Companies|Section 415-B:1 - Definitions.

    415-B:1 Definitions. –||In this chapter:||I. "Commissioner" means the insurance commissioner.||II. "Insurance premium finance company" means a person engaged in whole or in part in the business of entering into premium finance agreements.||III. "Licensee" means an insurance premium finance company holding a license issued under this chapter.||IV. "Person" means an individual, partnership, association, business corporation, nonprofit corporation, common law trust, joint-stock company, or any other group of individuals however organized.||V. "Premium finance agreement" means an agreement by which an insured or prospective insured promises to pay to an insurance premium finance company the amount advanced or to be advanced under the agreement to an insurer or to an insurance agent or broker in payment of premiums of an insurance contract, together with interest or discount and a service charge as authorized and limited by this chapter, and in which as security for the amount advanced the premium finance company receives an assignment of the gross unearned premiums of such insurance contract.||VI. "Default" means the failure of the named insured to discharge when due any of his obligations in connection with the payment of premiums on a policy, or any installment of such premium, whether the premium is payable directly to the insurer or its agent or indirectly under any premium finance plan or extension of credit.|||Source. 1981, 118:1, eff. July 3, 1981.|
NH Rev Stat § 415-B:2 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415-B - Premium Finance Companies|Section 415-B:2 - License Required.

    415-B:2 License Required. –||I. No person shall engage in the business of a premium finance company in this state without having first obtained a premium finance company license from the commissioner, except as provided in paragraph IV.||II. The annual license fee shall be $200. Licenses may be renewed from year to year as of July 1 of each year upon payment of the license fee to the commissioner. Additionally, a premium finance company established in this state shall file with the commissioner proof of minimum capital and surplus in an amount equal to or greater than $250,000, or shall file with the commissioner a surety bond or equivalent acceptable to the commissioner in the amount of $250,000.||III. The commissioner may, at any time, require the applicant to disclose fully the identity of all stockholders, partners, officers, and employees; and he may, in his discretion, refuse to issue or renew a license in the name of any person, firm, partnership, or corporation if he is not satisfied that any officer, employee, stockholder, or partner thereof, who may materially influence the applicant's conduct, meets the standards of RSA 415-B:3, II.||IV. This section shall not require any insurance company, agent, broker, association, exchange, building or savings and loan association, bank, thrift institution, trust company, small loan company, industrial loan company or credit union authorized to do business in this state financing premiums on policies to be additionally licensed under this chapter; provided, however, that all other provisions of this chapter shall apply to such persons.|||Source. 1981, 118:1. 2001, 224:7, eff. Sept. 9, 2001.|
NH Rev Stat § 415-B:3 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415-B - Premium Finance Companies|Section 415-B:3 - Issuance and Renewal of License.

    415-B:3 Issuance and Renewal of License. –||I. Upon the filing of an application and the payment of the license fee, the commissioner shall make an investigation of each applicant and shall issue a license if the applicant is qualified in accordance with this chapter. If the commissioner does not find the applicant qualified, he shall, within 30 days after he has received such application, at the request of the applicant, give the applicant a full hearing.||II. The commissioner shall issue or renew a license when he is satisfied that the person to be licensed:||(a) Is competent and trustworthy and intends to act in good faith in the capacity involved by the license applied for;||(b) Has a good business reputation and has had experience, training or education so as to be qualified in the business for which the license is applied for; and||(c) If a corporation, is a corporation incorporated under the laws of this state or a foreign corporation authorized to transact business in this state.|||Source. 1981, 118:1, eff. July 3, 1981.|
NH Rev Stat § 415-B:4 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415-B - Premium Finance Companies|Section 415-B:4 - Revocation or Suspension of License; Appeal.

    415-B:4 Revocation or Suspension of License;  Appeal. –||I. The commissioner may revoke or suspend the license of any premium finance company when, after investigation, the commissioner finds that:||(a) The license issued to such company was obtained by fraud;||(b) There was any misrepresentation in the application for the license;||(c) The holder of such license has shown himself untrustworthy or incompetent to act as a premium finance company; or||(d) Such company has violated any of the provisions of this chapter.||II. In lieu of revoking or suspending the license for any of the causes stated in paragraph I, after hearing as provided in paragraph III, the commissioner may subject such company to a penalty of not more than $1,500 for each offense when, in his judgment, he finds that the public interest would not be harmed by the continued operation of such company. The amount of any such penalty shall be paid by the company to the commissioner.||III. Before the commissioner shall penalize, revoke, suspend, or refuse to renew the license of any premium finance company, the aggrieved person shall be entitled to a hearing in accordance with RSA 541.||IV. If the commissioner refuses to issue a license as a premium finance company to any person, or if he revokes, suspends or refuses to renew the license of any premium finance company, or imposes a penalty on such company, after a hearing as provided under paragraph III, the applicant or licensee may appeal from such refusal to issue a license or from such adjudication in accordance with RSA 541.|||Source. 1981, 118:1, eff. July 3, 1981.|
NH Rev Stat § 415-B:5 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 415-B - Premium Finance Companies|Section 415-B:5 - Licensee's Books and Records.

    415-B:5 Licensee's Books and Records. –||I. Every licensee shall maintain records of its premium finance transactions. Such records shall be open to examination and investigation by the commissioner at any time during regular business hours at any location at which such records are maintained.||II. Every licensee shall preserve its records of such premium finance transactions, including cards used in a card system, if any, for at least 2 years after making the final entry in respect to any premium finance agreement. The preservation of records in photographic or microfilm form shall constitute compliance with this requirement.||III. Within 120 days after the completion of the fiscal year, each licensee shall file a report with the commissioner giving such information as the commissioner may require concerning the business operations during the preceding fiscal year of each licensee. Such information shall include but not be limited to a financial statement prepared according to generally accepted accounting principles and certified by a certified public accountant.||IV. Any licensee neglecting to make an annual report required by paragraph III or failing to amend such report within 15 days after notice from the commissioner shall, unless such neglect or failure is due to justifiable cause and not willful neglect, pay the state $25 for each day during which such neglect or failure continues.||V. If the licensee's records are located out of this state, the licensee at the licensee's option shall make such records available within 72 hours to the commissioner at a convenient location within the state, or pay the reasonable and necessary expenses for the commissioner or his representative to examine them at a place where they are maintained. The commissioner may designate representatives, including comparable officials of the state in which they are maintained, to inspect them on his behalf.||VI. The commissioner shall have the power to issue subpoenas to compel the attendance of witnesses and the production of documents, papers, books, records, and other evidence before him in any matter pertaining to this chapter.|||Source. 1981, 118:1. 1985, 343:2, eff. July 1, 1985.|