reglab/housing_qa huggingface dataset:
RI Gen L § 27-29-13.3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-29 - Unfair Competition and Practices|Section 27-29-13.3 - Fraud warning.

§ 27-29-13.3. Fraud warning.Notwithstanding any similar requirements in title 28, every claim form and application for insurance, regardless of the form of transmission, shall contain the following statement or a substantially similar statement; provided, that this section shall not apply to any claim form for health insurance which is on a form promulgated by the Centers for Medicare and Medicaid Services, or in electronic format pursuant to 45 C.F.R. Part 162. "Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison."History of Section.P.L. 2009, ch. 303, § 7; P.L. 2009, ch. 304, § 7.
RI Gen L § 27-29-14 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-29 - Unfair Competition and Practices|Section 27-29-14 - Confidentiality of insurance information.

§ 27-29-14. Confidentiality of insurance information.No insurance company, authorized or licensed to do business in the state of Rhode Island, that obtains insurance information through any residual market (mechanism), including, but not limited to, the assigned risk plans joint underwriting association, including, but not limited to, the name of the insured, the policy expiration date, the amount of insurance coverage, the policy number, the name of the insurance company or the amount of the insurance premium, shall without the permission of the producer of record use that information for marketing or soliciting so as to eliminate the participation of the producer of record and shall be prohibited from selling or transferring that information to any third party for those purposes, without the consent of the producer of record; provided, that nothing contained in this section shall be deemed to prohibit an insurance company from offering voluntary market coverage as provided for in the rules of any automobile insurance residual market mechanism or to prohibit a workers' compensation insurance company from sharing the name of the insured with a nonprofit medical service corporation or a nonprofit hospital service corporation.History of Section.P.L. 1996, ch. 405, § 1; G.L. 1956, § 27-29-15.
RI Gen L § 27-29-15 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-29 - Unfair Competition and Practices|Section 27-29-15 - Severability.

§ 27-29-15. Severability.If any provision of this chapter, or the application of a provision to any person or circumstances shall be held invalid, the remainder of the chapter, and the application of the provision to persons or circumstances other than those as to which it is held invalid, shall not be affected by that invalidity.History of Section.P.L. 1958, ch. 53, § 11; G.L. 1956, § 27-29-11.
RI Gen L § 27-29-16 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-29 - Unfair Competition and Practices|Section 27-29-16 - Repealed.

§ 27-29-16. Repealed.
RI Gen L § 27-29-17 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-29 - Unfair Competition and Practices|Section 27-29-17 - Application.

§ 27-29-17. Application.Sections 27-29-17 — 27-29-17.4 shall apply to commercial property insurance policies, commercial liability insurance policies, commercial package policies, commercial excess or umbrella policies and commercial auto policies. These sections shall not apply to reinsurance, aviation insurance, workers' compensation and employer's liability insurance, multistate location risks, or policies subject to retrospective rating plans.History of Section.P.L. 2003, ch. 231, § 1; P.L. 2003, ch. 251, § 1; P.L. 2011, ch. 103, § 1; P.L. 2011, ch. 153, § 1.
RI Gen L § 27-29-17.1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-29 - Unfair Competition and Practices|Section 27-29-17.1 - Definitions.

§ 27-29-17.1. Definitions.For the purpose of §§ 27-29-17 — 27-29-17.4:(1) "Commissioner" means the commissioner of insurance.(2) "Expiration date" means the date upon which coverage under a policy ends. It also means, for a policy written for a term longer than one year or with no fixed expiration date, each annual anniversary date of such policy.(3) "Nonrenewal" means termination of a policy at its expiration date.(4) "Renewal" or "to renew" means the issuance of or the offer by an insurer to issue a policy succeeding a policy previously issued and delivered by the same insurer or an insurer within the same group of insurers, or the issuance of a certificate or notice extending the term of an existing policy for a specified period beyond its expiration date.History of Section.P.L. 2003, ch. 231, § 1; P.L. 2003, ch. 251, § 1; P.L. 2008, ch. 475, § 88.
RI Gen L § 27-29-17.2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-29 - Unfair Competition and Practices|Section 27-29-17.2 - Notice of nonrenewal.

§ 27-29-17.2. Notice of nonrenewal.(a) An insurer may nonrenew a policy; provided, however, no nonrenewal of any policy of insurance to which this section applies shall be effective unless an insurer shall first give, mail, or deliver to the first named insured at the address shown on the policy, and to the insurance producer of record, written notice that the insurer will not renew the policy. Such notice shall be given, mailed or delivered at least sixty (60) days before the expiration date. If the notice is given, mailed or delivered less than sixty (60) days before the expiration, coverage shall remain in effect until sixty (60) days after notice is given, mailed or delivered. Earned premium for any period of coverage that extends beyond the expiration date shall be considered pro-rata based upon the previous year's rate. For purposes of this section, the transfer of a policyholder between companies within the same insurance group is not a refusal to renew. In addition, changes in deductibles, changes in premium, changes in the amount of insurance, or reductions in policy limits or coverage shall not be deemed to be refusals to renew.(b) Notice of nonrenewal shall not be required where:(1) The insurer or a company within the same insurance group has offered to issue a renewal policy; or(2) The named insured has obtained replacement coverage or has agreed in writing to obtain replacement coverage.History of Section.P.L. 2003, ch. 231, § 1; P.L. 2003, ch. 251, § 1.
RI Gen L § 27-29-17.3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-29 - Unfair Competition and Practices|Section 27-29-17.3 - Notice of premium or coverage changes.

§ 27-29-17.3. Notice of premium or coverage changes.(a) An insurer shall provide to the first-named insured at the mailing address shown on the policy, and to the insurance producer of record, written notice of any premium increase in excess of ten percent (10%) and shall also provide the exact renewal premium, at least sixty (60) days prior to the expiration date of the policy unless the premium increase is the result of an audit or the increase is the result of an increase in exposure at the request of the insured. Not less than sixty (60) days' written notice, as provided herein, shall be required for any coverage elimination, reduction, diminution or increased deductible not at the request of the insured and in this case the notice shall itemize and describe the coverage changes and shall be separate from the renewal policy. If the insurer fails to provide such notice, the coverage provided to the named insured shall remain in effect until notice is provided or until the effective date of replacement coverage obtained by the named insured, whichever occurs first. For the purposes of this section, notice is considered given sixty (60) days following date of giving of the notice. If the named insured elects not to renew, any earned premium for the period of extension of the terminated policy shall be calculated pro-rata at the lower of the current or previous year's rate. If the insured accepts the renewal, the premium increase, if any, and other changes shall be effective the day following the prior policy's expiration or anniversary date.(b) This section shall not apply to changes based upon the altered nature or extent of the risk insured.(c) For the purposes of this section, notice to the insurance producer of record shall not apply to an insurance producer of record who:(1) Is an employee of the insurer; or(2) Is a non-employee exclusive agent of the insurer; provided, however, notice, as required by this section, shall in all applicable cases, be provided to the named insured.History of Section.P.L. 2003, ch. 231, § 1; P.L. 2003, ch. 251, § 1; P.L. 2011, ch. 103, § 1; P.L. 2011, ch. 153, § 1.
RI Gen L § 27-29-17.4 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-29 - Unfair Competition and Practices|Section 27-29-17.4 - Proof of notice.

§ 27-29-17.4. Proof of notice.(a) A company issuing any policy of insurance which is subject to nonrenewal, a premium increase, a change in deductible, reduction in limits or changes in coverage shall effect the same by serving the notice of it as provided by the policy. The notice shall be delivered in hand to the named insured, or be left at his or her last address as shown by the company's records, or, if its records contain no last address, at his or her last business, residence, or other address known to the company. A company may alternatively forward notice to that address by first class mail and maintain proof of mailing of the notice to the insured by the United States Postal Service certificate of mailing in the ordinary course of the insurer's business, and this proof of mailing shall be sufficient proof of notice.(b) If a policy is made payable to a mortgagee or any person other than the named insured, notice shall be given as provided in subsection (a) of this section to the payee and to the named insured.(c) The insurance producer of record who insured the policy shall also be given notice of any nonrenewal or any premium increase, a change in deductible, or a change in coverage, in the same manner as provided in subsection (a) of this section.History of Section.P.L. 2003, ch. 231, § 1; P.L. 2003, ch. 251, § 1.
RI Gen L § 27-29-17.5 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-29 - Unfair Competition and Practices|Section 27-29-17.5 - Insured's right to loss information.

§ 27-29-17.5. Insured's right to loss information.(a) Upon request by the first named insured or such insured's authorized agent or broker, the insurer shall provide the following loss information, for the period of time coverage has been provided by the insurer or for five (5) years whichever is less, within fourteen (14) days of such request:(1) Information on closed claims, including date and descriptions of occurrence, and payments; and(2) Information on open claims, including date and description of occurrence, and amounts of any payments and loss reserves.(b) Nothing in this section shall affect the confidentiality requirements pursuant to chapter 37.3 of title 5 and to insurance regulations 99 (privacy of consumer financial information) and 100 (privacy of consumer health information) as promulgated by the department of business regulation.(c) This section shall not apply to life, accident, health, personal automobile, homeowner's, dwelling and boat, personal recreational vehicles, personal excess liability, personal umbrella, or reinsurance policies.(d) Notwithstanding any other provision of this section, loss reserve information for claims subject to a documented coverage dispute between the insurer and the insured need not be provided to the first named insured or such insured's authorized agent or broker.History of Section.P.L. 2011, ch. 103, § 2; P.L. 2011, ch. 153, § 2; P.L. 2012, ch. 191, § 1; P.L. 2012, ch. 198, § 1.
RI Gen L § 27-29.1-1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-29.1 - Pharmacy Freedom of Choice - Fair Competition and Practices|Section 27-29.1-1 - Definitions.

§ 27-29.1-1. Definitions.For purposes of this chapter, the following terms shall mean:(1) "Director" shall mean the director of the department of business regulation.(2) "Eligible bidder" shall mean a retail pharmacy, community pharmacy or pharmacy department registered pursuant to chapter 19 of title 5, irrespective of corporate structure or number of locations at which it conducts business, located within the geographical service area of a carrier and willing to bid for participation in a restricted pharmacy network contract.(3) "Insurer" shall mean an insurance carrier as defined in chapters 18, 19, 20 and 41 of title 27.(4) "Insured" shall mean any person who is entitled to have pharmacy services paid by an insurer pursuant to a policy, certificate, contract or agreement of insurance or coverage.(5) "Non-restricted pharmacy network" shall mean a network that permits any pharmacy to participate on substantially uniform terms and conditions established by an insurer or pharmacy benefits manager.(6) "Pharmacy benefits manager" shall mean any person or entity that is not licensed in Rhode Island as an insurer and that develops or manages pharmacy benefits, pharmacy network contracts, or the pharmacy benefit bid process.(7) "Restricted pharmacy network" shall mean an arrangement for the provision of pharmaceutical drug services to insureds which under the terms of an insurer's policy, certificate, contract or agreement of insurance or coverage requires an insured or creates a financial incentive for an insured to obtain prescription drug services from one or more participating pharmacies that have entered into a specific contractual relationship with the carrier.History of Section.P.L. 2004, ch. 363, § 2; P.L. 2004, ch. 368, § 2; P.L. 2004, ch. 602, § 2; P.L. 2008, ch. 475, § 89.
RI Gen L § 27-29.1-2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-29.1 - Pharmacy Freedom of Choice - Fair Competition and Practices|Section 27-29.1-2 - Requirement for availability and accessibility of pharmacy services.

§ 27-29.1-2. Requirement for availability and accessibility of pharmacy services.In accordance with § 23-17.13-3, an insurer must demonstrate to the director of health the willingness and potential ability to assure that pharmacy services will be provided in a manner to assure both availability and accessibility of adequate personnel and facilities and in a manner enhancing availability, accessibility, and continuity of service.History of Section.P.L. 2004, ch. 363, § 2; P.L. 2004, ch. 368, § 2; P.L. 2004, ch. 602, § 2.
RI Gen L § 27-29.1-3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-29.1 - Pharmacy Freedom of Choice - Fair Competition and Practices|Section 27-29.1-3 - Fair competition - Requirements for carriers offering pharmacy networks.

§ 27-29.1-3. Fair competition — Requirements for carriers offering pharmacy networks.(a) An insurer that offers insureds a restricted pharmacy network shall, in soliciting, arranging, competitively bidding, contracting for, and operating such a network, comply with the following requirements for the purpose of promoting fair and competitive bidding, regardless of when the restricted pharmacy network was established:(1) Conduct and complete an open bidding process before March 1, 2005 and at least once every three (3) years thereafter;(2) Provide notice to eligible bidders of the insurer's intent to solicit bids for participation in a restricted pharmacy network;(3) Inform eligible bidders of the date such bids will be solicited;(4) Provide eligible bidders with information on an identical, equal and uniform basis, including, but not limited to, bid procedure information, financial and utilization information needed to make an informed competitive bid, criteria to be used in awarding a restricted pharmacy network contract and proposed contractual requirements for the restricted pharmacy network;(5) Provide eligible bidders with at least thirty (30) days to prepare and submit bids between the bid solicitation date and the bid submission deadline;(6) Open all bids:(i) At a previously specified time, which shall not be more than thirty (30) days after the bid submission deadline; and(ii) In a public manner, provided, that certain, information contained in said bids may be held as confidential from public review consistent with regulations promulgated by the director regarding the disclosure of proprietary data or information submitted by any bidders; and(7) Select a successful bidder using solely the criteria provided to eligible bidders pursuant to subsection (a)(4) above, applied in a uniform manner.(b) An insurer shall neither exclude nor favor any individual pharmacy, or group or class of pharmacies, in the design of a competitive bid involving restricted or nonrestricted pharmacy networks in compliance with the requirements of this section. An entity and its affiliates that assists an insurer in the development of the bid, design, bid specifications or the bid process, or assists in the review or evaluation of said bids, shall be prohibited from bidding on such a contract.History of Section.P.L. 2004, ch. 363, § 2; P.L. 2004, ch. 368, § 2; P.L. 2004, ch. 602, § 2.
RI Gen L § 27-29.1-4 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-29.1 - Pharmacy Freedom of Choice - Fair Competition and Practices|Section 27-29.1-4 - Mandate to offer a nonrestricted pharmacy network.

§ 27-29.1-4. Mandate to offer a nonrestricted pharmacy network.Every health care insurer that delivers or issues for delivery or renews in this state a contract, plan, or policy that provides coverage for pharmaceuticals delivered on an outpatient basis through a restricted pharmacy network, shall:(a) Also offer insurance purchasers an optional benefit plan that includes a nonrestricted pharmacy network; and(b) Subject to a determination by the US Department of Health and Human Services' Centers for Medicare and Medicaid Services on the consistency of this subsection with Medicare law and related regulations, offer only nonrestricted pharmacy networks in any Medicare Supplement or Medicare+Choice Plans.History of Section.P.L. 2004, ch. 363, § 2; P.L. 2004, ch. 368, § 2; P.L. 2004, ch. 602, § 2.
RI Gen L § 27-29.1-5 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-29.1 - Pharmacy Freedom of Choice - Fair Competition and Practices|Section 27-29.1-5 - Participation of independent community pharmacies.

§ 27-29.1-5. Participation of independent community pharmacies.(a) Any pharmacies licensed in the state of Rhode Island that are not owned or controlled, directly or indirectly by an entity that owns pharmacies licensed in two (2) or more jurisdictions other than Rhode Island, which are not participating in an insurer's restricted pharmacy network contract shall nevertheless have the right to provide prescription drug services to the insurer's insureds and be paid by the insurer as if the pharmacy were participating in the insurer's restricted pharmacy network, provided that such non-network independent pharmacies agree:(1) To accept as the insurer's payments in full the price required of pharmacies in the insurer's restricted pharmacy network;(2) To bill to the insured up to and not in excess of any copayment, coinsurance, deductible, other amount required of an insured by the insurer, or for other uncovered services;(3) To be reimbursed on the same methodological basis, including, but not limited to, capitation or other risk-sharing methodology, as required of pharmacies, in the insurer's restricted pharmacy network;(4) To participate in the insurer's utilization review and quality assurance programs, including utilization and drug management reports as required of pharmacies in the carrier's restricted pharmacy network;(5) To provide computerized online eligibility determinations and claims submissions as required of pharmacies in the insurer's restricted pharmacy network;(6) To participate in the insurer's satisfaction surveys and complaint resolution programs for its insureds;(7) To protect the insurer's proprietary information and an insured's confidentiality and privacy;(8) To abide by the insurer's performance standards with respect to waiting times, fill rates and inventory management, including formulary restrictions;(9) To comply with the insurer's claims audit provisions; and(10) To certify, using audit results or accountant statements, the fiscal soundness of the non-network pharmacy.(b) An insurer may waive any of the aforementioned agreements in arranging for the provision of pharmaceutical drug benefits to insureds through a non-network pharmacy. An insurer shall not impose any agreements, terms or conditions on any non-network independent community pharmacy, or on any association of pharmacies, which are more restrictive than those required of pharmacies in the insurer's restricted pharmacy network. The failure of a non-network pharmacy to abide by the aforementioned agreements may, at the option of the insurer, serve as the basis for cancellation of the non-network pharmacy's participation.History of Section.P.L. 2004, ch. 363, § 2; P.L. 2004, ch. 368, § 2; P.L. 2004, ch. 602, § 2; P.L. 2008, ch. 475, § 89.
RI Gen L § 27-29.1-6 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-29.1 - Pharmacy Freedom of Choice - Fair Competition and Practices|Section 27-29.1-6 - Applicability and allowances.

§ 27-29.1-6. Applicability and allowances.(a) Nothing in this section shall preclude an insurer from entering into an agreement to allow non-network providers, other than independent community pharmacies, the ability to participate with the insurer's plans under terms and conditions set forth by the insurer.(b) The provisions of this chapter shall not apply to arrangements for the provision of pharmaceutical drug benefits to insureds between an insurer or a pharmacy benefits manager, and a mail order pharmacy, or a hospital-based pharmacy which is not a retail pharmacy.(c) Nothing in this section shall be construed to require the provision of pharmacy benefits to insureds through a restricted pharmacy network nor any other arrangement for the provision of prescription drug benefits.History of Section.P.L. 2004, ch. 363, § 2; P.L. 2004, ch. 368, § 2; P.L. 2004, ch. 602, § 2.
RI Gen L § 27-29.1-7 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-29.1 - Pharmacy Freedom of Choice - Fair Competition and Practices|Section 27-29.1-7 - Regulation of pharmacy benefits managers.

§ 27-29.1-7. Regulation of pharmacy benefits managers.Pharmacy benefits managers shall be included within the definition of third-party administrator under chapter 20.7 of this title and shall be regulated as such. The annual report filed by third-party administrators with the department of business regulation shall include: contractual language that provides a complete description of the financial arrangements between the third-party administrator and each of the insurers covering benefit contracts delivered in Rhode Island; and if the third-party administrator is owned by or affiliated with another entity or entities, it shall include an organization chart and brief description which shows the relationships among all affiliates within a holding company or otherwise affiliated. Such reporting shall be in a format required by the director and filed with the department as a public record as defined and regulated under chapter 2 of title 38.History of Section.P.L. 2004, ch. 363, § 2; P.L. 2004, ch. 368, § 2; P.L. 2004, ch. 602, § 2.
RI Gen L § 27-29.1-8 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-29.1 - Pharmacy Freedom of Choice - Fair Competition and Practices|Section 27-29.1-8 - Enforcement.

§ 27-29.1-8. Enforcement.The department of business regulation shall have authority to enforce the provisions of §§ 27-29.1-3 — 27-29.1-7, subject to the provisions of chapter 35 of title 42.History of Section.P.L. 2004, ch. 363, § 2; P.L. 2004, ch. 368, § 2; P.L. 2004, ch. 602, § 2.