reglab/housing_qa huggingface dataset:
AR Code § 23-86-310 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 86 - Group and Blanket Accident and Health Insurance|Subchapter 3 - Arkansas Health Insurance Portability and Accountability Act of 1997|§ 23-86-310. Excepted benefits — Definition

 For purposes of this section, the term “excepted benefits” means benefits under one (1) or more, or any combination thereof, of the following:   (1) Benefits not subject to requirements:  (A) Coverage only for accident or disability income insurance, or any combination thereof;  (B) Coverage issued as a supplement to liability insurance;  (C) Liability insurance, including general liability insurance and automobile liability insurance;  (D) Workers' compensation or similar insurance;  (E) Automobile medical payment insurance;  (F) Credit-only insurance;  (G) Coverage for on-site medical clinics;  (H) Other similar insurance coverage, specified in regulations, under which benefits for medical care are secondary or incidental to other insurance benefits;    (2) Benefits not subject to requirements if offered separately:  (A) Limited scope dental or vision benefits;  (B) Benefits for long-term care, nursing home care, home health care, community-based care, or any combination thereof;  (C) Such other similar, limited benefits as specified in rules;    (3) Benefits not subject to requirements if offered as independent, noncoordinated benefits:  (A) Coverage only for a specified disease or illness; and  (B) Hospital indemnity or other fixed indemnity insurance; and    (4) Benefits not subject to requirements if offered as a separate insurance policy. Medicare supplemental health insurance as defined under section 1882(g)(1) of the Social Security Act, coverage supplemental to the coverage provided under United States Code Title 10, Chapter 55, and similar supplemental coverage provided to coverage under a group health plan.
AR Code § 23-86-313 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 86 - Group and Blanket Accident and Health Insurance|Subchapter 3 - Arkansas Health Insurance Portability and Accountability Act of 1997|§ 23-86-313. Disclosure of information

 (a) Disclosure of Information by Health Insurance Issuers. In connection with the offering of any health insurance coverage to a small employer, a health insurance issuer:  (1) Shall make a reasonable disclosure to the small employer as part of its solicitation and sales materials of the availability of information described in subsection (b) of this section; and  (2) Upon request of such a small employer, provide that information.    (b) Information Described.  (1) In General. Subject to subdivision (b)(3) of this section, with respect to a health insurance issuer offering health insurance coverage to a small employer, information described in this section is information concerning:  (A) The provisions of the health insurance coverage concerning the health insurance issuer's right to change premium rates and the factors that may affect changes in premium rates;  (B) The provisions of the health insurance coverage relating to renewability of health insurance coverage;  (C) The provisions of the health insurance coverage relating to any preexisting condition exclusion; and  (D) The benefits and premiums available under all health insurance coverage for which the small employer is qualified.    (2) Form of Information. Information under this section shall be provided to small employers in a manner determined by the Insurance Commissioner to be understandable by the average small employer, and shall be sufficient to reasonably inform small employers of their rights and obligations under the health insurance coverage.  (3) Exception. A health insurance issuer is not required under this section to disclose any information that is proprietary or trade secret information under applicable law.
AR Code § 23-86-401 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 86 - Group and Blanket Accident and Health Insurance|Subchapter 4 - Freedom of Choice Among Health Benefit Plans Act of 1999|§ 23-86-401. Title

 This subchapter may be cited as the “Freedom of Choice Among Health Benefit Plans Act of 1999”.
AR Code § 23-86-402 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 86 - Group and Blanket Accident and Health Insurance|Subchapter 4 - Freedom of Choice Among Health Benefit Plans Act of 1999|§ 23-86-402. Legislative finding

 The General Assembly finds that:   (1) Citizens covered by health benefit plans should have the opportunity to obtain healthcare services at an affordable price;  (2) The cost of health benefit plans can vary depending upon the kind of arrangement the health benefit plan has with providers of healthcare services;  (3) In order to provide affordable delivery of health care services, health benefit plans which utilize contractual arrangements with providers and encourage quality services at discounted prices should be promoted; and  (4) Citizens should have the option to choose a health benefit plan that covers the services of any qualified healthcare provider.
AR Code § 23-86-403 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 86 - Group and Blanket Accident and Health Insurance|Subchapter 4 - Freedom of Choice Among Health Benefit Plans Act of 1999|§ 23-86-403. Definitions

 As used in this subchapter:   (1) “Benefit level” means an obligation of the health maintenance organization or insurance company under its health benefit plan. The benefit level is actuarially determined considering the copayments, deductibles, and dollar limits of the health benefit plan;  (2) “Covered healthcare services” means services rendered or products sold by a healthcare provider within the scope of the healthcare provider's license which are covered by a health benefit plan. The term may include hospital, medical, surgical, dental, vision, and pharmaceutical services or products;  (3) “Covered person” means any person on whose behalf a health maintenance organization is obligated to make arrangements for or pay for covered healthcare service;  (4) “Health benefit plan” means the agreement between an employer, association, state, county, or municipal agency and a health maintenance organization or insurance company which defines the covered services available;  (5) “Healthcare provider” means a hospital, an ambulatory surgery center, an outpatient psychiatric center, a home healthcare agency, a skilled nursing facility, or an individual licensed to render covered healthcare services;  (6) “Limited network plan” means a plan that arranges for or provides reimbursement for covered healthcare services to covered persons through a limited number of healthcare providers selected and employed or contracted by the health maintenance organization; and  (7) “Point-of-service plan” means a plan that provides payment of nonemergency, self-referred covered healthcare services obtained from healthcare providers who are not otherwise employed by nor under contract with the health maintenance organization.
AR Code § 23-86-404 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 86 - Group and Blanket Accident and Health Insurance|Subchapter 4 - Freedom of Choice Among Health Benefit Plans Act of 1999|§ 23-86-404. Optional health benefit plans

 (a) A health maintenance organization may offer and issue health benefit plans that reimburse or arrange for covered healthcare services to covered persons through a limited network plan if:  (1) The health maintenance organization provides itself, or arranges through an insurance company, for an annual option for covered persons to choose a health benefit plan or a point-of-service plan that reimburses or arranges for the covered healthcare services from any healthcare provider qualified to render the covered healthcare services;  (2) The difference in the benefit level of the optional health benefit plan or point-of-service plan shall not exceed twenty-five percent (25%) of the benefit level under the limited benefit plan;  (3) The employer or other group contract holder contracting with the health maintenance organization for a health benefit plan shall provide an equal contribution per covered person regardless of which option the covered person chooses pursuant to the provisions of this subchapter; and  (4) Under the optional health benefit plan or point-of-service plan, the rate of reimbursement for healthcare providers out of the network shall be no higher than the normal and usual and customary rate charged by those out-of-network providers on a regular basis, provided that copayment, coinsurance, and other cost-sharing features may be different for out-of-network providers and in-network providers.    (b)  (1) The pricing of the optional health benefit plan or point-of-service plan must provide an expected incurred loss ratio of not less than eighty percent (80%).  (2) The Insurance Commissioner shall promulgate rules as may be necessary to implement the provisions of this subchapter and to ensure that the price of the option provided in this section bears a reasonable relationship to the costs and benefits of the limited network plan.    (c) This subchapter shall apply to any health benefit plan issued or renewed on or after January 1, 2000.
AR Code § 23-86-405 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 86 - Group and Blanket Accident and Health Insurance|Subchapter 4 - Freedom of Choice Among Health Benefit Plans Act of 1999|§ 23-86-405. Effect of subchapter on pricing

 Nothing in this subchapter shall be construed to prohibit a health maintenance organization from pricing any health benefit plan according to sound actuarial principles.
AR Code § 23-86-406 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 86 - Group and Blanket Accident and Health Insurance|Subchapter 4 - Freedom of Choice Among Health Benefit Plans Act of 1999|§ 23-86-406. Effect of subchapter on coverage of specific services

 Nothing in this subchapter shall be construed to require a health maintenance organization to cover any specific healthcare service.
AR Code § 23-86-501 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 86 - Group and Blanket Accident and Health Insurance|Subchapter 5 - Small Employer Health Insurance Purchasing Group Act of 2001|§ 23-86-501. Title

 This subchapter shall be known and cited as the “Small Employer Health Insurance Purchasing Group Act of 2001”.
AR Code § 23-86-505 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 86 - Group and Blanket Accident and Health Insurance|Subchapter 5 - Small Employer Health Insurance Purchasing Group Act of 2001|§ 23-86-505. Notice requirements

 In each sale of a health benefits plan to a proposed eligible employer through a health insurance purchasing group in which the health insurance purchasing group offers an option to an eligible employer to obtain a health benefits plan that, either in whole or in part, does not provide state-mandated health benefits or does not contain standard provisions as may be determined by rules of the Insurance Commissioner, the health insurance purchasing group, after the employer has selected its health benefit plan, shall provide to each eligible employee of the employer a written notice, in a form and manner as prescribed by rule promulgated by the commissioner, that one (1) or more mandated benefits are not included in the health benefit plan.
AR Code § 23-86-506 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 86 - Group and Blanket Accident and Health Insurance|Subchapter 5 - Small Employer Health Insurance Purchasing Group Act of 2001|§ 23-86-506. Health insurance purchasing group administrative services to members

 (a)  (1) Each health insurance purchasing group may provide administrative services for its members.  (2) The services may include, but are not limited to, accounting, billing, enrollment information, and employee coverage status reports.    (b) The health insurance purchasing group may delegate or contract its billing and other administrative duties to a third-party administrator as defined under § 23-92-201 in compliance with the Arkansas Insurance Code.  (c) Nothing in this section shall be construed as preventing a health insurance purchasing group from serving as an administrative service organization to any entity.  (d)  (1) Each health insurance purchasing group shall collect and disseminate or arrange for the collection and dissemination of consumer-oriented information on the scope, cost, and enrollee satisfaction of all coverage options offered through the health insurance purchasing group to its members.  (2) The information shall be defined by the health insurance purchasing group and shall be in a manner appropriate to the type of coverage offered.  (3) To the extent practicable, the information shall include information on provider performance, locations, and hours of operation of providers, outcomes, and similar matters.  (4) Nothing in this section shall be construed as preventing the dissemination of the information or other information by the health insurance purchasing group or by the healthcare insurer, health maintenance organization, or organization through electronic or other means.    (e) The contract between a health insurance purchasing group and a health insurance purchasing group health carrier shall provide that the health insurance purchasing group may collect premiums on behalf of the issuer for coverage, less a predetermined administrative charge negotiated by the health insurance purchasing group and the issuer.
AR Code § 23-86-507 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 86 - Group and Blanket Accident and Health Insurance|Subchapter 5 - Small Employer Health Insurance Purchasing Group Act of 2001|§ 23-86-507. Filing and form filing requirements

 Each health insurance purchasing group shall file forms as may be described by rules of the Insurance Commissioner.
AR Code § 23-86-508 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 86 - Group and Blanket Accident and Health Insurance|Subchapter 5 - Small Employer Health Insurance Purchasing Group Act of 2001|§ 23-86-508. Prevention of conflicts of interest

 (a) A member of a board of directors of a health insurance purchasing group shall not serve as an employee or paid consultant to the health insurance purchasing group but may receive reasonable reimbursement for travel expenses for purposes of attending meetings of the board or committees thereof.  (b) An individual is not eligible to serve in a paid or unpaid capacity on the board of directors of a health insurance purchasing group or as an employee of the health insurance purchasing group if the individual is employed by, represents in any capacity, owns, or controls any ownership interest in an organization from whom the health insurance purchasing group receives contributions, grants, or other funds, unless the organization has purchased a contract for coverage through the health insurance purchasing group.  (c)  (1) An individual who is serving on a board of directors of a health insurance purchasing group as a representative described in subsection (b) of this section shall not be employed by or affiliated with a health insurance purchasing group health carrier.  (2) As used in subdivision (c)(1) of this section, “affiliated” does not include membership in a health benefits plan or the obtaining of health benefits coverage offered by a health insurance purchasing group health carrier.
AR Code § 23-86-509 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 86 - Group and Blanket Accident and Health Insurance|Subchapter 5 - Small Employer Health Insurance Purchasing Group Act of 2001|§ 23-86-509. Health insurance purchasing group operations and coordination

 (a) Nothing in this subchapter shall be construed as preventing one (1) or more health insurance purchasing groups serving different areas, whether or not contiguous, from 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 health insurance purchasing groups; or  (2) Providing for crediting of deductibles and other cost-sharing for individuals who are provided a health benefits plan through the health insurance purchasing group or affiliated health insurance purchasing group after:  (A) A change of eligible employers through which the coverage is provided; or  (B) A change in place of employment to an area not served by the previous health insurance purchasing group.      (b) Nothing in this subchapter shall be construed as precluding a health insurance purchasing group from providing for adjustments in amounts distributed among the health insurance purchasing group health carrier offering a health benefits plan through the health insurance purchasing group, based on factors such as the relative healthcare risk of members enrolled under the coverage offered by the different issuers.  (c) Nothing in this subchapter shall be construed as precluding a health insurance purchasing group from establishing minimum participation and contribution rules for eligible employers that apply to become purchasers in the health insurance purchasing group, so long as the rules are applied uniformly for all health insurance purchasing group health carriers.
AR Code § 23-86-510 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 86 - Group and Blanket Accident and Health Insurance|Subchapter 5 - Small Employer Health Insurance Purchasing Group Act of 2001|§ 23-86-510. Premium rates

 (a) The health insurance purchasing group may determine what rating characteristics it will allow in the health benefit plan, including, but not limited to, age, sex, industry, geography, or health.  (b) If health is used as a rating characteristic, then the rates for the size groups two through twenty-five (2-25) will be subject to the small group rating law as required in § 23-86-201 et seq. but may be considered separate from any small groups sold outside the health insurance purchasing group.
AR Code § 23-86-511 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 86 - Group and Blanket Accident and Health Insurance|Subchapter 5 - Small Employer Health Insurance Purchasing Group Act of 2001|§ 23-86-511. Rules

 The Insurance Commissioner may promulgate rules necessary to implement the provisions of this subchapter.
AR Code § 23-86-512 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 86 - Group and Blanket Accident and Health Insurance|Subchapter 5 - Small Employer Health Insurance Purchasing Group Act of 2001|§ 23-86-512. Health insurance purchasing group health carrier market

 No health insurance purchasing group health carrier shall be required to offer health insurance purchasing group health benefits plans or health benefits plans not subject to state-mandated health benefits to nonhealth insurance purchasing group organizations, associations, or employer groups, including, but not limited to, the small employer health insurance group marketplace in this state.
AR Code § 23-88-101 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 88 - Property Insurance|Subchapter 1 - General Provisions|§ 23-88-101. Valued policy law

 (a)  (1) Except as provided in subsection (b) of this section, in case of a total loss by fire or natural disaster of the property insured, a property insurance policy other than for flood and earthquake insurance shall be held and considered to be a liquidated demand against the company taking the risk for the full amount stated in the property insurance policy or the full amount upon which the company charges, collects, or receives a premium.  (2) For property covered under a commercial insurance policy, the amount paid under subdivision (a)(1) of this section shall be reduced by the amount of retention or deductible provided by the commercial insurance policy.    (b) This section does not apply:  (1) If a total loss by fire or a natural disaster other than a flood or an earthquake:  (A) Is caused by the insured or someone acting on behalf of or in collusion with the insured, through:  (i) A criminal act;  (ii) Intentional misrepresentation;  (iii) Fraud; or  (iv) Deceit; or    (B)  (i) Is covered by two (2) or more property insurance policies that insure the same property.  (ii) If two (2) or more property insurance policies insure the same property:  (a) The insured shall recover the lesser of:  (1) The face amount of the property insurance policy with the highest limit of coverage; or  (2) The insured's interest in the property; and    (b) Each insurer shall pay the proportionate share that its property insurance policy bears to the amount the insured is entitled to recover under subdivision (b)(1)(B)(ii)(a) of this section;        (2) If the completed value of a building, structure, mobile home, or manufactured building is insured under a builder's risk insurance policy;  (3)  (A) If the claim is for the total loss of a building that is insured under a blanket insurance policy for a stated amount that covers two (2) or more buildings or that covers buildings and personal property.  (B) Settlement of a claim for the total loss to a building that is insured by a blanket insurance policy for a stated amount that covers two (2) or more buildings or that covers buildings and personal property shall be based on an initial payment of the value assigned for the purpose of rating the policy to each affected building before the loss, with any balance remaining being settled according to the terms and conditions of the blanket insurance policy; or    (4) To personal property or detached or appurtenant structures.