reglab/housing_qa huggingface dataset:
36 OK Stat § 36-4528 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4528. Areas served – Services and plans permitted to be offered by single administrative organization – Rating characteristics.

|A. Nothing in this act shall be construed as preventing one or more Health Insurance Purchasing Groups (HIPG) from serving different areas, whether or not contiguous, by providing for some or all of the following through a single administrative organization or otherwise: |1. Coordinating the offering of the same or similar health benefits coverage in different areas served by the different HIPG; or2. Providing for crediting of deductibles and other cost-sharing for individuals who are provided a health benefits plan through the HIPG or affiliated HIPG after:a.a change of eligible employers through which the coverage is provided, orb.a change in place of employment to an area not served by the previous HIPG.B. No HIPG health carrier shall be required to offer HIPG health benefits plans, or health benefits plans not subject to state-mandated health benefits, to non-HIPG organizations, associations, or employer groups, including but not limited to the small employer health insurance group marketplace in this state.C. Nothing in this act shall be construed as precluding a HIPG from providing for adjustments in amounts distributed among the HIPG health carriers offering a health benefits plan through the HIPG, based on factors such as the relative health care risk of members enrolled under the coverage offered by the different issuers.D. Nothing in this act shall be construed as precluding a HIPG from establishing minimum participation and contribution rules for eligible employers that apply to become purchasers in the HIPG, so long as the rules are applied uniformly for all HIPG health carriers.E. The HIPG may determine what rating characteristics it will allow in the health benefit plan including, but not limited to, age, sex, industry, geography, or health.F. If health is used as a rating characteristic, then the rates for the groups having two through fifty members will be subject to the small employer group rating law as required in the Small Employer Health Insurance Reform Act but may be considered separate from any small groups sold outside the HIPG.Added by Laws 2002, c. 276, § 8, eff. Nov. 1, 2002.
36 OK Stat § 36-4529 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4529. Rules.

|The Commissioner may promulgate rules necessary to implement the provisions of this act. |Added by Laws 2002, c. 276, § 9, eff. Nov. 1, 2002.
36 OK Stat § 36-4601 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4601. Short title.

|This act shall be known and may be cited as the “Health Care for Oklahomans Act". |Added by Laws 2009, c. 128, § 1, eff. Nov. 1, 2009.
36 OK Stat § 36-4602 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4602. Duties of Insurance Commissioner, State Board of Health, and Health Care for Uninsured Board.

|A. The Insurance Commissioner in collaboration with the Oklahoma Health Care Authority shall advise and aid the Health Care for the Uninsured Board (HUB) in its duties. The Insurance Commissioner is hereby authorized to promulgate such reasonable rules as are necessary to implement the purposes of this act. |B. The State Board of Health shall direct the implementation and duties of the HUB to assist the Insurance Commissioner. The duties of the HUB shall be to:1. Advise, consult with, and make recommendations to the Commissioner as to the matters addressed in subsection C of this section; and2. Assist and advise the Commissioner on such other matters as the Commissioner may submit for recommendations to the State Board of Health.C. The Commissioner shall:1. Establish a system of certification for insurance programs offered in this state to be recommended by the HUB;2. Establish a system for the credentialing of insurance producers who intend to market insurance programs certified by the state in accordance with this section.3. Establish a system of counseling, including a website, for those individuals who are without health insurance and are not covered by Medicaid, that includes but is not limited to:a.educating consumers about insurance programs certified by the state in accordance with this section,b.aiding consumers in choosing policies that cover medically necessary services for that consumer, andc.educating consumers on how to utilize primary and preventative care in order to reduce the unnecessary utilization of services by the consumer; and4. Establish a system whereby if an individual qualifies for a subsidy under the premium assistance program, established in Section 1010.1 of Title 56 of the Oklahoma Statutes, that person is able to become enrolled through the HUB in conjunction with local, qualified insurance producers.Added by Laws 2009, c. 128, § 2, eff. Nov. 1, 2009.
36 OK Stat § 36-4603 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4603. Enrollment in health insurance programs of uninsured individuals and individuals not covered by Medicaid.

|A. The Insurance Commissioner in collaboration with the Oklahoma Health Care Authority shall initiate a program to encourage enrollment of individuals, not covered by insurance or Medicaid in health insurance programs. |B. Upon treatment of an uninsured individual or an individual not covered by Medicaid, a health care provider shall refer the individual to the HUB established in Section 2 of this act to begin the enrollment process in a certified insurance plan or the premium assistance program established in Section 1010.1 of Title 56 of the Oklahoma Statutes, if eligible.Added by Laws 2009, c. 128, § 3, eff. Nov. 1, 2009.
36 OK Stat § 36-4604 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4604. Direct primary care membership agreement.

|A. This act shall be known and may be cited as the "Health Care Empowerment Act". |B. Nothing in state law shall be construed as prohibiting a patient or legal representative from seeking care outside of an insurance plan, or outside of the Medicaid or Medicare program, and paying for such care.C. Nothing in state law shall be construed as prohibiting a physician, other medical professional or a medical facility from accepting payment for services or medical products outside of an insurance plan. Nothing in state law shall be construed as prohibiting a physician, other medical professional or a medical facility from accepting payment for services or medical products to a Medicaid or Medicare beneficiary, provided that such physician, medical professional or medical facility has opted out of Medicare. As used in this section, "medical products" include, but are not limited to, medical drugs and pharmaceuticals.D. A patient or legal representative shall not forfeit insurance benefits, Medicaid benefits or Medicare benefits by purchasing medical services or medical products outside the system.E. The offer and provision of medical services or medical products purchased and provided under this act shall not be deemed an offer of insurance nor regulated by the insurance laws of the state.F. Providers must disclose the text of the Enrollee Hold Harmless Clause, or its equivalent, in insurance or managed care provider contracts to patients or legal representatives if authorization for services or claims is denied, together with a plain-English explanation of its meaning.Added by Laws 2015, c. 159, § 1, emerg. eff. April 21, 2015.
36 OK Stat § 36-4605 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4605. Direct primary care membership agreement.

|A. As used in this section, "direct primary care membership agreement" means a contractual agreement between a primary care provider and an individual patient, or his or her legal representative, in which: |1. The provider agrees to provide primary care services to the individual patient for an agreed-to fee over an agreed-to period of time;2. The direct primary care provider will not bill third parties on a fee-for-service basis; and3. Any per-visit charges under the agreement will be less than the monthly equivalent of the periodic fee.A "direct primary care provider" means an individual or legal entity that is licensed, registered or otherwise authorized to provide primary care services in this state and who chooses to enter into a direct primary care membership agreement. This includes, but is not limited to, an individual primary care provider or other legal entity alone or with others professionally associated with the individual or other legal entity.B. A direct primary care membership agreement is not insurance and is not subject to regulation by the Insurance Department.C. Entering into a direct primary care membership agreement is not the business of insurance and is not subject to regulations under the Oklahoma Insurance Code.D. A direct primary care provider or the agent of a direct primary care provider is not required to obtain a certification of authority or license under Title 36 of the Oklahoma Statutes to market, sell or offer to sell a direct primary care agreement.E. A direct primary care membership agreement is not a medical discount plan, as defined by state law or regulation under the Insurance Department and a direct primary care provider is not required to register as a medical discount plan.F. A direct primary care membership agreement shall:1. Allow either party to terminate the agreement upon written notice to the other party;2. Provide that fees are not earned by the direct primary care provider until the month paid by the periodic fee has been completed; and3. Provide that, upon termination of this agreement by the individual patient, all unearned fees are to be returned to the patient.Added by Laws 2015, c. 159, § 2, emerg. eff. Apr. 21, 2015.
36 OK Stat § 36-4801 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4801. Scope of article.

|A. This article shall not apply to vehicle insurance, casualty insurance or inland marine insurance, nor to reinsurance. |B. The standard fire insurance policy provided for herein shall not be required for (1) vehicle insurance, (2) casualty insurance, (3) inland marine insurance, as defined in Section 705, Article 7, (4) ocean marine insurance, (5) insurance on growing crops, or (6) in effecting reinsurance between insurers.Laws 1957, p. 401, § 4801.
36 OK Stat § 36-4802 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4802. "Fire insurance" defined.

|"Fire insurance" is insurance against the perils of fire or lightning as written under the Oklahoma standard fire insurance policy. |Laws 1957, p. 401, § 4802.
36 OK Stat § 36-4803.1 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4803.1. Fire insurance policies - Time of expiration.

|All fire insurance policies, as defined by Section 4802 of Title 36 of the Oklahoma Statutes, shall expire at 12:01 a.m. Standard Time on the expiration date stated in the policy. This section shall apply to all fire insurance policies on the first policy renewal date after December 31, 1982. |Added by Laws 1982, c. 57, § 2, eff. Jan. 1, 1983.
36 OK Stat § 36-4804 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4804. Policy limited – Liability - Excess premiums reimbursed.

|No insurance company shall, knowingly, issue any fire insurance policy upon property within this state for an amount which, with any existing insurance thereon, exceeds the fair value of the property. If buildings insured against loss by fire, and situated within this state, are totally destroyed by fire, the company shall not be liable beyond the actual value of the insured property at the time of the loss or damage, and if it shall appear that the insured has paid premiums on an amount in excess of said actual value, the assured shall be reimbursed the proportionate excess of premiums paid on the difference between the amount named in the policy and said actual value, with interest at six percent (6%) per annum from the date of issue. |Added by Laws 1957, p. 406, § 4804. Amended by Laws 2001, c. 363, § 24, eff. July 1, 2001.
36 OK Stat § 36-4805 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4805. Proofs of loss - Conditions of enforcement of limitation of time.

|When any insurance policy subject to the provisions of this article contains a provision that the insured must render a written sworn proof of loss within sixty (60) days from the date of fire or loss to the insurer, or the same is required by law to be so rendered, the insurer cannot assert the failure of insured to so render such proof of loss in any litigation or court proceeding, unless the insurer plead and prove that it has furnished the insured with two blank forms for the execution of proof of loss, that has printed thereon, in bold-faced type in a conspicuous place, the warning that a proof of loss must be rendered to the insurer within sixty (60) days from the date of receipt of the blank forms for proof of loss by the insured, or by putting such warning in a like form in a letter of instruction for executing a proof of loss that will accompany the proof of loss blanks furnished the insured, and the insurer has further executed and furnished the insured its written extension of time, giving the insured sixty (60) days from the date such blanks were received by the insured. These requirements cannot be waived by any agreement between the parties or otherwise. |Laws 1957, p. 406, § 4805. der
36 OK Stat § 36-4806 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4806. Exclusion of loss caused by nuclear reaction, nuclear radiation or radioactive contamination.

|Insurers issuing the standard form of fire insurance policy provided in Section 4803, Article 48, Title 36, Oklahoma Session Laws 1957, page 401 (36 O.S. Supp.1959, Section 4803), are authorized to affix thereto or include therein a written statement that such policy does not cover loss or damage caused by nuclear reaction or nuclear radiation or radioactive contamination, all whether directly or indirectly resulting from an insured peril under said policy; provided, however, that nothing herein contained shall be construed to prohibit the attachment to any such policy of an endorsement or endorsements specifically assuming coverage for loss or damage caused by nuclear reaction, nuclear radiation, or radioactive contamination. |Laws 1961, p. 279, § 1.
36 OK Stat § 36-4808 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4808. Homeowner's policies - Automatic increase in coverage.

|No homeowner's policy shall automatically increase coverage for replacement of a home of an insured unless the insured or his designated representative has been notified of the amount of increased replacement coverage not less than thirty (30) days prior to the renewal date. The provisions of this section shall not apply if the insured provides to the insurer written consent to automatic increases in coverage. Any written consent provided under this section shall remain continuously in force until the insured provides written revocation to the insurer. |Provided, nothing in this section shall be construed to relieve the insurer from paying the full value of any claim against the policy up to the maximum amount for which the home is insured.Added by Laws 1987, c. 140, § 1, eff. Nov. 1, 1987. Amended by Laws 1992, c. 75, § 1, eff. Sept. 1, 1992.
36 OK Stat § 36-4809 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4809. Reduced rates to persons failing or refusing to pay assessments - Violation – Penalties.

|A. Except as otherwise provided in this subsection, no property or casualty insurance company shall give any special or reduced rate for fire insurance on any risk because it is located in a rural fire protection district or in an area protected by a rural fire department in which the district or department is wholly or partially funded by dues or subscription payments paid by owners of property who are members of an association supporting the rural fire department to any person who fails or refuses to pay the appropriate dues or subscription payments for support of the district or department pursuant to the procedure outlined in subsection C of this section. Property and casualty insurance companies providing a fire run service benefit payment within the fire insurance policy shall not be subject to this subsection. |B. Property owners owning property in more than one fire district or fire department area relying on dues or subscriptions for partial or complete funding shall pay dues to a fire district or fire department in whose district or area they own property if they wish to receive special or reduced rates for property and casualty insurance.C. Except as otherwise provided in this subsection, it is unlawful for any insurance agent or company to knowingly write an initial policy of fire insurance coverage on any risk located in a rural fire protection district or in any area protected by a rural fire department at any special or reduced rate or with any rate credit based on location of the risk in the district or area without having first obtained from the insured or from the rural fire protection district or rural fire department evidence that current dues or subscription payments, if any, for the property to be insured have been paid. Following the writing of the initial policy, the insurance agent or company shall obtain evidence of successful payment of current dues or subscription payments annually. The evidence required by the insurer may be a receipt, canceled check, or other valid proof of payment. Any insurance agent or company writing a policy of fire insurance coverage providing a fire run service benefit payment within the fire insurance policy shall not be subject to this subsection.D. If any agent is found by the Insurance Commissioner to have violated the provisions of this subsection, the agent shall be liable for an administrative penalty of Twenty-five Dollars ($25.00) for the first violation and Fifty Dollars ($50.00) for any subsequent violation.Added by Laws 2002, c. 68, § 1, eff. Nov. 1, 2002. Amended by Laws 2003, c. 235, § 1, eff. Nov. 1, 2003; Laws 2017, c. 317, § 1, eff. Nov. 1, 2017.
36 OK Stat § 36-4901 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4901. Sole surety on official bonds.

|Whenever any bond, recognizance, or undertaking is required or permitted to be made for the security or protection of any person or municipality, the state, or any department thereof, or organization, conditioned for the doing or not doing of anything therein specified, any such board, court, organization or officer required or permitted to accept or approve of the sufficiency of such bond, recognizance, or undertaking, may accept and approve the same when executed, or when the conditions thereof are guaranteed, solely by an insurer authorized to transact a surety business in this state in accordance with the requirements of this code. Whenever any such bond, recognizance, or undertaking is required to be made with one surety or with two or more sureties, the execution of the same, or the guarantee of the performance of the conditions thereof, shall be sufficient when so executed or guaranteed solely by one such insurer, and shall be a full compliance with every requirement of every law, ordinance, or regulation relating to the same, and no justification by such insurer shall be necessary. |Laws 1957, p. 407, § 4901.
36 OK Stat § 36-4902 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4902. Venue of actions against surety insurers.

|Any surety insurer may be sued in respect of any surety bond by it issued in the county where such bond, recognizance, stipulation or undertaking was made or guaranteed, or in the county where the principal office of such insurer in this state is located, and for the purposes hereof, the same shall be treated as made or guaranteed in the county in which such office is located or in which it is filed, or in the county in which the principal resided when it was made or guaranteed. |Laws 1957, p. 407, § 4902.
36 OK Stat § 36-4903 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4903. Bail bond surety companies - Reserve funds.

|All surety companies which execute undertakings of bail shall keep any moneys collected from agents licensed pursuant to Section 1303 of Title 59 of the Oklahoma Statutes as buildup or reserve funds in segregated interest-bearing trust accounts within this state in an entity which is insured either by the Federal Deposit Insurance Corporation or the Federal Savings and Loan Insurance Corporation. |The interest-bearing trust accounts shall not be pledged or offered as collateral.The moneys in the interest-bearing trust accounts shall be used to satisfy the unfulfilled obligations of the undertakings of bail written by the agents from whom the moneys have been collected and to otherwise satisfy the unfulfilled obligations which may be owing to the surety by such agents.Added by Laws 1987, c. 211, § 1 eff. Nov. 1, 1987.
36 OK Stat § 36-4904 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4904. Bail bond insurers - Financial statement - Reports.

|A. Each insurer writing bail bonds in this state shall file in the Office of the Insurance Commissioner quarterly statements which shall exhibit the financial condition of the insurer. The statements shall be in such general form and content as approved by the National Association of Insurance Commissioners for the kinds of insurance to be reported, and as supplemented for additional information as required by the Commissioner. Such statements shall be subscribed and sworn by the president and secretary and other proper officers of the insurer. The statements shall be filed on or before the following dates: |1. First quarter statement, which shall include data from January 1 to March 31, on the last business day in April;2. Second quarter statement, which shall include data from April 1 to June 30, on the last business day of July;3. Third quarter statement, which shall include data from July 1 to September 30, on the last business day of October; and4. Annual financial statement as described in Section 311 of this title, which shall serve as fourth quarter statement and which shall be filed annually on the date specified in Section 311 of this title, in the office of the Commissioner by each insurer writing bail bonds.B. The statements required to be filed pursuant to subsection A of this section shall contain the loss reserve for bail bonds written in this state. Loss reserves shall be computed as twenty-five percent (25%) of the direct written premium of outstanding liability less monies held by the insurer in trust to pay losses from bail.C. Each insurer writing bail bonds in this state shall file monthly reports based upon the previous month's activity with the Commissioner and on forms prescribed by the Commissioner within thirty (30) days after the end of each preceding month, which shall include the following information and such other information as the Commissioner deems necessary:1. Amount of deposit held by the Commissioner with a list of the securities available and their current valuation;2. Bail bond premium volume for this state;3. Administrative action, if any, taken by other states against the insurer;4. List of collateral held by the insurer stating the location of collateral, the corresponding county involved, the case number and the bondsman soliciting the bond;5. Loss ratio;6. Outstanding liability; and7. A list of agents or bondsmen whose contracts have been canceled.Added by Laws 1987, c. 211, § 2, eff. Nov. 1, 1987. Amended by Laws 1992, c. 98, § 1, eff. Sept. 1, 1992.