reglab/housing_qa huggingface dataset:
AR Code § 23-79-150 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 1 - General Provisions|§ 23-79-150. Healthcare plan — Health carrier — Definitions

 (a)  (1)  (A) “Healthcare plan” means any individual, blanket, or group plan, policy, or contract for healthcare services issued or delivered by a carrier in this state, including indemnity and managed care plans.  (B) “Healthcare plan” does not mean a plan that provides coverage only for:  (i) A specified accident or accident-only coverage or long-term care insurance as defined in the Long-Term Care Insurance Act, § 23-97-201 et seq. [repealed];  (ii) A Medicare supplement policy of insurance, as defined by the Insurance Commissioner by rule;  (iii) Coverage under a plan through Medicare, Medicaid, or the Federal Employees Health Benefit Program;  (iv) Any coverage issued under United States Code Title 10, Chapter 55, existing on January 1, 2001, and any coverage issued as supplemental to that coverage; and  (v) Any coverage issued as supplemental to liability insurance, workers' compensation, or similar insurance.      (2) “Health carrier” means any accident and health insurance company, referred to in law as disability insurance company, hospital or medical services corporation, or health maintenance organization, including a so-called dental maintenance organization, issuing or delivering healthcare plans in this state.    (b)  (1) Every health carrier shall offer optional coverage in its healthcare plans for the medical treatment of musculoskeletal disorders affecting any bone or joint in the face, neck, or head, including temporomandibular joint disorder and craniomandibular disorder. Treatment shall include both surgical and nonsurgical procedures.  (2) This coverage shall be provided for medically necessary diagnosis and treatment of these conditions whether they are the result of accident, trauma, congenital defect, developmental defect, or pathology.  (3) This coverage shall be the same as that provided for any other musculoskeletal disorder in the body and shall be provided whether prescribed or administered by a physician or dentist.    (c)  (1) The policyholder shall accept or reject the optional coverage in writing on the application.  (2) The application shall specifically and conspicuously inform the policyholder that rejection of the option means that covered benefits provided to insureds or enrollees will not include temporomandibular joint disorder or craniomandibular disorder.    (d) Nothing in this section shall prevent an insurer from including such coverage for any or all musculoskeletal disorders affecting any bone or joint in the face, neck, or head as part of a policy's basic coverage, in lieu of offering optional coverage.  (e) This section shall apply to those healthcare plans issued, delivered, renewed, extended, amended, or modified on or after August 13, 2001.
AR Code § 23-79-151 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 1 - General Provisions|§ 23-79-151. Liability insurance — Notice requirements prior to expiration of policy

 (a)  (1) When an insurer writing workers' compensation insurance, employers' liability insurance, or professional liability insurance, including, but not limited to, medical malpractice insurance, revises its rates or rules and the revision results in a premium increase equal to or greater than twenty-five percent (25%) on any renewal policy issued for a term of twelve (12) months or less, the insurer shall mail or deliver to the insured's agent not less than sixty (60) days prior to the effective date of renewal and to the insured not less than thirty (30) days prior to the effective date of renewal notice specifically stating the insurer's intention to increase the premium by an amount equal to or greater than twenty-five percent (25%).  (2) If the notice is not given as stated in subdivision (a)(1) of this section, the insurer is required to extend the existing policy sixty (60) days from the date the notice is mailed or delivered. The premium for the policy as extended in such circumstances shall be no more than the pro rata premium of the existing policy.    (b) Except in the case of nonpayment of premium, an insurer shall renew a policy unless a written notice of nonrenewal is mailed at least sixty (60) days prior to the:  (1) Expiration date of the policy; or  (2) Anniversary date of a policy for a term longer than one (1) year and not having a fixed expiration date.
AR Code § 23-79-152 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 1 - General Provisions|§ 23-79-152. Cancellation, increase in premium, and negative risk rating prohibited when insured not at fault

 (a) Except as provided in subsection (c) of this section, when a person is innocent of any negligent or intentional act that was the proximate cause of an accident or injury whether or not a claim is filed under any policy or contract of insurance, no insurer authorized to transact the business of motor vehicle liability insurance in this state shall solely as a result of the accident or injury:  (1) Cancel the person's insurance policy or contract;  (2) Increase the premium during the term or upon renewal of the person's insurance policy or contract; or  (3) Lower or otherwise negatively impact the risk rating of the person.    (b) Any insurer that violates the provisions of this section shall be subject to the procedure and penalties provided under the Trade Practices Act, § 23-66-201 et seq.  (c) Nothing in this section shall prevent an insurer from canceling, not renewing, or revising the rating of an insurance policy if the insurer is otherwise permitted to do so by statute or rule.
AR Code § 23-79-154 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 1 - General Provisions|§ 23-79-154. Reimbursement for physician assistant services

 (a) As used in this section, “health plan” means any group, blanket, or individual accident and health insurance policy, contract, or plan issued in this state by an insurance company, a hospital medical service corporation, or a health maintenance organization, provided that nothing in this subchapter shall apply to accident only, specified disease, hospital indemnity, Medicare supplement, long-term care, disability income, or other limited benefit health insurance policies.  (b) A health plan shall not refuse to reimburse a physician at the full rate for healthcare services provided by a physician assistant if the practice complies with the laws of this state.  (c) A health plan shall not impose a practice or supervision restriction on a physician assistant that is inconsistent with or more restrictive than the restriction already imposed by the laws of this state.
AR Code § 23-79-155 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 1 - General Provisions|§ 23-79-155. Commercial general liability insurance

 (a) A commercial general liability insurance policy offered for sale in this state shall contain a definition of “occurrence” that includes:  (1) Accidents, including continuous or repeated exposure to substantially the same general harmful conditions; and  (2) Property damage or bodily injury resulting from faulty workmanship.    (b) This section is not intended to restrict or limit the nature or types of exclusions from coverage that an insurer may include in a commercial general liability insurance policy.
AR Code § 23-79-157 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 1 - General Provisions|§ 23-79-157. Payment for services rendered by physical therapists, occupational therapists, and speech-language pathologists

 (a) As used in this section:  (1)  (A) “Health benefit plan” means any group or blanket plan, policy, or contract for healthcare services issued or delivered in this state by healthcare insurers, including indemnity and managed care plans and the plans providing health benefits to state and public school employees under § 21-5-401 et seq., but excluding individual major medical plans and plans providing healthcare services under Arkansas Constitution, Article 5, § 32, the Workers' Compensation Law, § 11-9-101 et seq., and the Public Employee Workers' Compensation Act, § 21-5-601 et seq.  (B) “Health benefit plan” does not include an accident-only, specified disease, hospital indemnity, Medicare supplement, long-term care, disability income, or other limited benefit health insurance policy;    (2) “Healthcare insurer” means any insurance company, hospital and medical service corporation, or health maintenance organization issuing or delivering health benefit plans in this state and subject to any of the following laws:  (A) The insurance laws of this state;  (B) Section 23-75-101 et seq., pertaining to hospital and medical service corporations; and  (C) Section 23-76-101 et seq., pertaining to health maintenance organizations;    (3) “Licensed physical therapist, occupational therapist, or speech-language pathologist” means:  (A) A physical therapist licensed under §§ 17-93-101 — 17-93-312;  (B) An occupational therapist licensed under the Arkansas Occupational Therapy Practice Act, § 17-88-101 et seq.; and  (C) A speech-language pathologist licensed under §§ 17-100-102 — 17-100-308; and    (4) “Licensed primary care physician or osteopath” means a primary care physician and an osteopath licensed under §§ 17-80-101 — 17-95-505.    (b) An insurer shall not impose a copayment, coinsurance, or an office visit deductible amount or a combination of a copayment, coinsurance, or an office visit deductible amount charged to the insured for services rendered for a date of service by a licensed physical therapist, occupational therapist, or speech-language pathologist that is greater than the copayment, coinsurance, or office visit deductible amount charged to the insured for an office visit for the service of a licensed primary care physician or osteopath.  (c) An insurer shall state in its health benefit plan:  (1) The availability of physical therapy, occupational therapy, or speech-language pathologist coverage under its plan; and  (2) All related limitations, conditions, and exclusions.
AR Code § 23-79-158 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 1 - General Provisions|§ 23-79-158. Denials of dental claims

 (a)  (1) As used in this section, “insurer” means an insurance company, a health maintenance organization, a hospital and medical service corporation, or a self-insured health plan for employees of a governmental entity that provides dental benefits.  (2) As used in this section, “insurer” includes an outside review entity that contracts with an insurance company, a health maintenance organization, a hospital and medical service corporation, or a self-insured health plan for employees of a governmental entity that provides dental benefits.    (b) A denial of all or part of a dental claim based upon medical necessity shall be made by a dentist licensed in the United States who is a graduate of a Commission on Dental Accreditation accredited program.  (c) To facilitate expeditious resolution, the insurer shall provide, upon request, a written communication to the treating dentist with the name, state where licensed, license number, and direct telephone number of the reviewing dentist.
AR Code § 23-79-159 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 1 - General Provisions|§ 23-79-159. Notification of drug formulary changes

 (a)  (1) A health benefit plan that provides prescription drug coverage or contracts with a third party for prescription drug services with tiered copayments shall notify an enrollee presently taking a prescription drug, in writing or electronically at the request of the enrollee, at least sixty (60) days before an increase in the enrollee's financial responsibility as a result of a modification by the health benefit plan to the health benefit plan's drug formulary.  (2) Subdivision (a)(1) of this section does not apply to a generic substitution for a prescription drug.    (b) This section does not apply to coverage for a drug that is determined by a pharmacy and a therapeutics committee to be subject to new safety warnings.
AR Code § 23-79-160 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 1 - General Provisions|§ 23-79-160. Health insurance information regarding Health Care Independence Program

 Upon notification to enrollees in the Health Care Independence Program established by the Health Care Independence Act of 2013, § 20-77-2401 et seq. [repealed], that the Health Care Independence Program ends on December 31, 2016, the Department of Human Services shall simultaneously provide to enrollees in the Health Care Independence Program the following information in accordance with the Arkansas Health Reform Act of 2015, Acts 2015, No. 46:   (1) Upon program termination, recommend an alternative healthcare coverage model and legislative framework to ensure the continued availability of healthcare services for vulnerable populations covered by the Health Care Independence Program;  (2) Explore and recommend options to modernize Medicaid programs serving the indigent, aged, and disabled; and  (3) Identify the populations eligible for and participating in the Health Care Independence Program, including:  (A) Individuals newly eligible for health coverage under the Health Care Independence Program; and  (B) Individuals previously eligible for Medicaid before the effective date of the Health Care Independence Program, whether under a Medicaid waiver or some other eligibility criteria.
AR Code § 23-79-162 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 1 - General Provisions|§ 23-79-162. Notice of renewal in affiliate or subsidiary

 (a) This section applies to all forms of property and casualty insurance written under this subchapter.  (b) A notice of nonrenewal is not required if:  (1) The insured is transferred from an insurer to an affiliate insurer for future coverage; and  (2) The transfer results in substantially similar or broader coverage to the insured.    (c)  (1) Notice of a renewal in an affiliate or subsidiary shall be provided to a policyholder according to the renewal notice requirements applicable to the type or kind of policy being renewed.  (2) The notice of renewal in an affiliate or subsidiary described in subdivision (c)(1) of this section shall state:  (A) The reason for the change to the affiliate or subsidiary;  (B) That coverage shall be provided by the affiliate or subsidiary unless the policyholder chooses to pursue coverage with an insurer outside the group of affiliated insurers; and  (C) The relevant information about changes to the policy's deductible, provisions, and amount of premium.      (d) At least ninety (90) days in advance of mailing the notice of renewal in an affiliate or subsidiary to its policyholders, an insurer shall notify the Insurance Commissioner of its intention to renew policies in bulk in an affiliate or subsidiary and provide the commissioner with a copy of the notice to policyholders.  (e) This section does not repeal or supersede any requirements of the Insurance Holding Company Regulatory Act, § 23-63-501 et seq., including without limitation the provisions of § 23-63-515 that are applicable to material transactions between an insurer and an insurer's affiliates.
AR Code § 23-79-163 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 1 - General Provisions|§ 23-79-163. Excepted benefits

 Excepted benefits are not subject to the requirements of this subchapter regarding coverage of a specific person, provider, treatment, service, condition, or disease unless that coverage is required by law.
AR Code § 23-79-201 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 2 - Suits Against Insurers|§ 23-79-201. Claims arising outside United States — Automobile liability insurer

 A person having a claim for personal injury or property damage arising out of the use of a motor vehicle in a foreign country by another who, at the time of the injury or damage, was covered by a policy of automobile liability insurance with an insurer subject to the jurisdiction of the courts of this state, may sue the insurer directly on the claim in any court of competent jurisdiction in the county of which the person was a resident at the time the injury or damage occurred.
AR Code § 23-79-202 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 2 - Suits Against Insurers|§ 23-79-202. Limitation of actions

 (a) An action may be maintained in the courts of this state by an insured or any other person on his or her behalf to recover on any claim or loss arising under a policy of insurance on property or life against the insurer issuing the policy or against the sureties on any bond filed by the insurer as a condition precedent to its right to do business in this state, at any time within the period prescribed by law for bringing actions on promises in writing.  (b) Any stipulation or provision in the policy or contract requiring the action to be brought within any shorter time or be barred is void.
AR Code § 23-79-203 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 2 - Suits Against Insurers|§ 23-79-203. Trial by jury

 (a) No insurance policy or annuity contract shall contain any condition, provision, or agreement which directly or indirectly deprives the insured or beneficiary of the right to trial by jury on any question of fact arising under the policy or contract.  (b) All such provisions, conditions, or agreements shall be void.
AR Code § 23-79-204 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 2 - Suits Against Insurers|§ 23-79-204. Venue

 (a) An action brought in this state by or in behalf of the insured or beneficiary against an insurer as to a loss occurring or benefits or rights provided under an insurance policy or annuity contract shall be brought in either:  (1) The county in which the loss occurred, or the insured died, in the case of life insurance; or  (2) The county of the insured's residence at the time of the loss or death.    (b) Actions brought in this state against an insurer under § 23-79-210, which provides that the liability insurer may be sued directly where the insured is legally immune, shall be brought either in the county where the injury or damage occurred or where one (1) or more of the plaintiffs resided at the time of the injury or damage.  (c) The venue of all other actions against a domestic insurer shall be as provided in § 16-60-101.
AR Code § 23-79-205 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 2 - Suits Against Insurers|§ 23-79-205. Service of process

 (a) In any suit brought in this state against an insurer, process may be served upon the insurer as follows:  (1) As to domestic insurers, service of process may be had only in the manner as provided by § 16-58-124;  (2) As to licensed foreign or alien insurers, service on and after January 1, 2003, may be made as provided in § 23-63-301 et seq.;  (3) As to suits against unauthorized insurers, service of process shall be made as provided in §§ 23-65-101 — 23-65-104, § 23-65-201 et seq., and §§ 23-65-301 — 23-65-318 for unauthorized insurers and surplus lines.    (b) Any service of process shall be returnable to the court having jurisdiction under § 23-79-204.
AR Code § 23-79-206 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 2 - Suits Against Insurers|§ 23-79-206. Evidence of death of person in military service

 (a) It shall be competent and proper in the trial of causes arising from death claims against insurers, accruing on account of death of the insured in foreign lands and while in the service of the United States Government as a member of the United States Armed Forces, to introduce as evidence a certificate from the appropriate officer of the United States Armed Forces having the authority to make the certificate, certifying the death of the insured.  (b) When the certificate, officially signed and certified as provided in subsection (a) of this section, has been introduced in evidence in the trial, it shall be received and considered in the trial as prima facie evidence of the death of the insured.
AR Code § 23-79-207 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 2 - Suits Against Insurers|§ 23-79-207. Substantial compliance — Fire insurance upon personal property

 In all actions against any insurer for any claim accruing, arising upon, or growing out of any fire insurance policy upon personal property issued by the insurer, proof of a substantial compliance with the terms, conditions, and warranties of the policy upon the part of the insured or his or her assigns shall be deemed sufficient and entitle the plaintiff to recover in the action.
AR Code § 23-79-209 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 2 - Suits Against Insurers|§ 23-79-209. Allowance of attorney's fees in suits to terminate, modify, or reinstate policy

 (a) In all suits in which the judgment or decree of a court is against a life, property, accident and health, or liability insurance company, either in a suit by it to cancel or lapse a policy or to change or alter the terms or conditions thereof in any way that may have the effect of depriving the holder of the policy of any of his or her rights thereunder, or in a suit for a declaratory judgment under the policy, or in a suit by the holder of the policy to require the company to reinstate the policy, the company shall also be liable to pay the holder of the policy all reasonable attorney's fees for the defense or prosecution of the suit, as the case may be.  (b) The fees shall be based on the face amount of the policy involved.  (c) The attorney's fees shall be taxed by the court where the suit is heard on original action, by appeal or otherwise, and shall be taxed up as a part of the costs therein and collected as other costs are or may be by law collected.