reglab/housing_qa huggingface dataset:
MN Stat § 62A.38 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62A — Accident And Health Insurance|Section 62A.38 — Notice Of Free Examination.

62A.38 NOTICE OF FREE EXAMINATION. Medicare supplement policies or certificates, other than those issued pursuant to direct response solicitation, shall have a notice prominently printed on the first page of the policy or attached thereto stating in substance that the policyholder or certificate holder shall have the right to return the policy or certificate within 30 days of its delivery and to have the premium refunded in full if, after examination of the policy or certificate, the insured person is not satisfied for any reason. Medicare supplement policies or certificates, issued pursuant to a direct response solicitation to persons eligible for Medicare by reason of age, shall have a notice prominently printed on the first page or attached thereto stating in substance that the policyholder or certificate holder shall have the right to return the policy or certificate within 30 days of its delivery and to have the premium refunded within ten days after receipt of the returned policy or certificate to the insurer if, after examination, the insured person is not satisfied for any reason. History:  1981 c 318 s 8; 1992 c 554 art 1 s 9
MN Stat § 62A.40 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62A — Accident And Health Insurance|Section 62A.40 — Replacement Regulated.

62A.40 REPLACEMENT REGULATED. No insurer or agent shall replace a Medicare supplement plan with another Medicare supplement plan of the same category unless there is a substantial difference in cost favorable to the policyholder, or the insured has previously demonstrated a dissatisfaction with the service presently being received from the current insurer. An insurer or agent may replace a Medicare supplement plan with a less comprehensive plan only if the prospective insured signs an acknowledgment that it is understood that the prospective insured will receive less benefits under the new policy than under the policy presently in force. History:  1981 c 318 s 10; 1986 c 444
MN Stat § 62A.41 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62A — Accident And Health Insurance|Section 62A.41 — Penalties.

62A.41 PENALTIES. Subdivision 1. Generally. Any insurer, general agent, agent, or other person who knowingly or willfully, either directly or indirectly, makes or causes to be made or induces or seeks to induce the making of any false statement or representation of a material fact with respect to compliance of any policy with the standards and requirements set forth in this section; falsely assumes or pretends to be acting, or misrepresents in any way, including a violation of section 62A.37, that the person is acting, under the authority or in association with Medicare, or any federal agency, for the purpose of selling or attempting to sell insurance, or in such pretended character demands, or obtains money, paper, documents, or anything of value; or knowingly sells a health insurance policy to an individual entitled to benefits under part A or part B of Medicare with the knowledge that such policy substantially duplicates health benefits to which such individual is otherwise entitled under a requirement of state or federal law other than under Medicare shall be guilty of a felony and subject to a civil penalty of not more than $5,000 per violation, and the commissioner may revoke or suspend the license of any company, association, society, other insurer, or agent thereof. Subd. 2. Sales of replacement policies. An insurer or general agent, agent, manager's general agent, or other representative, who knowingly or willfully violates section 62A.40 is guilty of a felony and is subject to a civil penalty of not more than $5,000 per violation. Subd. 3. Sales of duplicate policies. An agent who knowingly or willfully violates section 62A.43, subdivision 1, is guilty of a felony and is subject to a civil penalty of not more than $5,000 per violation. Subd. 4. Unlicensed sales. Notwithstanding section 60K.32, a person who acts or assumes to act as an insurance producer without a valid license for the purpose of selling or attempting to sell Medicare supplement insurance, and the person who aids or abets the actor, is guilty of a felony and is subject to a civil penalty of not more than $5,000 per violation. History:  1981 c 318 s 11; 1986 c 444; 1989 c 258 s 7; 1992 c 564 art 3 s 21; 2001 c 117 art 2 s 7
MN Stat § 62A.42 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62A — Accident And Health Insurance|Section 62A.42 — Rulemaking Authority.

62A.42 RULEMAKING AUTHORITY. To carry out the purposes of sections 62A.3099 to 62A.44, the commissioner may promulgate rules pursuant to chapter 14. These rules may: (a) prescribe additional disclosure requirements for Medicare supplement plans, designed to adequately inform the prospective insured of the need and extent of coverage offered; (b) prescribe uniform policy forms in order to give the insurance purchaser a reasonable opportunity to compare the cost of insuring with various insurers and may prescribe reasonable measures as necessary to conform Medicare supplement policies and certificates to the requirements of federal law and regulations; and (c) establish other reasonable standards to further the purpose of sections 62A.3099 to 62A.44. History:  1981 c 318 s 12; 1982 c 424 s 130; 1983 c 263 s 12; 1992 c 554 art 1 s 11; 2005 c 17 art 1 s 14
MN Stat § 62A.436 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62A — Accident And Health Insurance|Section 62A.436 — Commissions.

62A.436 COMMISSIONS. The commission, sales allowance, service fee, or compensation to an agent for the sale of a Medicare supplement plan must be the same for each of the first four years of the policy. In no event may the rate of commission, sales allowance, service fee, or compensation for the sale of a basic Medicare supplement plan exceed that which applies to the sale of an extended basic Medicare supplement plan. For purposes of this section, "compensation" includes pecuniary or nonpecuniary remuneration of any kind relating to the sale or renewal of the policy or certificate, including but not limited to bonuses, gifts, prizes, awards, and finder's fees. This section also applies to sales of replacement policies. History:  1989 c 258 s 8; 1992 c 554 art 1 s 12; 1993 c 330 s 9
MN Stat § 62A.451 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62A — Accident And Health Insurance|Section 62A.451 — Definitions.

62A.451 DEFINITIONS. Subdivision 1. Applicability. For purposes of sections 62A.451 to 62A.4528, the terms defined in this section have the meanings given. Subd. 2. Commissioner. "Commissioner" means the commissioner of commerce. Subd. 3. Enrollee. "Enrollee" means an individual who is entitled to limited health services under a contract with an entity authorized to provide or arrange for such services under sections 62A.451 to 62A.4528. Subd. 4. Evidence of coverage. "Evidence of coverage" means the certificate, agreement, or contract issued under section 62A.4516 setting forth the coverage to which an enrollee is entitled. Subd. 5. Limited health service. "Limited health service" means pharmaceutical services covered under Medicare Part D. Limited health service does not include hospital, medical, surgical, or emergency services. Subd. 6. Prepaid limited health service organization. "Prepaid limited health service organization" means any corporation, partnership, or other entity that, in return for a prepayment, undertakes to provide or arrange for the provision of limited health services to enrollees. Prepaid limited health service organization does not include: (1) an entity otherwise authorized under the laws of this state either to provide any limited health service on a prepayment or other basis or to indemnify for any limited health service; (2) an entity that meets the requirements of section 62A.4514; or (3) a provider or entity when providing or arranging for the provision of limited health services under a contract with a prepaid limited health service organization or with an entity described in clause (1) or (2). Subd. 7. Provider. "Provider" means a physician, pharmacist, health facility, or other person or institution that is licensed or otherwise authorized to deliver or furnish limited health services under sections 62A.451 to 62A.4528. Subd. 8. Subscriber. "Subscriber" means the person whose employment or other status, except for family dependency, is the basis for entitlement to limited health services under a contract with an entity authorized to provide or arrange for such services under sections 62A.451 to 62A.4528. History:   2005 c 17 art 2 s 1
MN Stat § 62A.4511 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62A — Accident And Health Insurance|Section 62A.4511 — Certificate Of Authority Required.

62A.4511 CERTIFICATE OF AUTHORITY REQUIRED. No person, corporation, partnership, or other entity may operate a prepaid limited health service organization in this state without obtaining and maintaining a certificate of authority from the commissioner under sections 62A.451 to 62A.4528. History:   2005 c 17 art 2 s 2
MN Stat § 62A.4513 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62A — Accident And Health Insurance|Section 62A.4513 — Issuance Of Certificate Of Authority; Denial.

62A.4513 ISSUANCE OF CERTIFICATE OF AUTHORITY; DENIAL. Subdivision 1. Issuance. Following receipt of an application filed under section 62A.4512, the commissioner shall review the application and notify the applicant of any deficiencies. The commissioner must approve or deny an application within 90 days after receipt of a substantially complete application, or the application is deemed approved. The commissioner shall issue a certificate of authority to an applicant provided that the following conditions are met: (1) the requirements of section 62A.4512 have been fulfilled; (2) the individuals responsible for conducting the applicant's affairs are competent, trustworthy, and possess good reputations, and have had appropriate experience, training, or education; (3) the applicant is financially responsible and may reasonably be expected to meet its obligations to enrollees and to prospective enrollees. In making this determination, the commissioner may consider: (i) the financial soundness of the applicant's arrangements for limited health services; (ii) the adequacy of working capital, other sources of funding, and provisions for contingencies; (iii) any agreement for paying the cost of the limited health services or for alternative coverage in the event of insolvency of the prepaid limited health service organization; and (iv) the manner in which the requirements of section 62A.4523 have been fulfilled; and (4) any deficiencies identified by the commissioner have been corrected. Subd. 2. Denials. If the certificate of authority is denied, the commissioner shall notify the applicant and shall specify the reasons for denial in the notice. The prepaid limited health service organization has 30 days from the date of receipt of the notice to request a hearing before the commissioner under chapter 14. History:   2005 c 17 art 2 s 4
MN Stat § 62A.4514 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62A — Accident And Health Insurance|Section 62A.4514 — Filing Requirements For Authorized Entities.

62A.4514 FILING REQUIREMENTS FOR AUTHORIZED ENTITIES. (a) An entity authorized under the laws of this state to operate a health maintenance organization, an accident and health insurance company, a nonprofit health service plan corporation, a fraternal benefit society, or a multiple employer welfare arrangement, and that is not otherwise authorized under the laws of this state to offer limited health services on a per capita or fixed prepayment basis, may do so by filing for approval with the commissioner the information requested by section 62A.4512, clauses (4), (5), (7), (8), and (10), and any subsequent material modification or addition to those provisions. (b) If the commissioner disapproves the filing, the procedures provided in section 62A.4513, subdivision 2, must be followed. History:   2005 c 17 art 2 s 5
MN Stat § 62A.4515 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62A — Accident And Health Insurance|Section 62A.4515 — Material Modifications.

62A.4515 MATERIAL MODIFICATIONS. Subdivision 1. Material modifications. A prepaid limited health service organization shall file with the commissioner prior to use, a notice of any material modification of any matter or document furnished under section 62A.4512, together with supporting documents necessary to fully explain the modification. If the commissioner does not disapprove the filing within 60 days of its filing, the filing is deemed approved. Subd. 2. Procedure for disapproval. If a filing under this section is disapproved, the commissioner shall notify the prepaid limited health service organization and specify the reasons for disapproval in the notice. The prepaid limited health service organization has 30 days from the date of receipt of notice to request a hearing before the commissioner under chapter 14. History:   2005 c 17 art 2 s 6
MN Stat § 62A.4516 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62A — Accident And Health Insurance|Section 62A.4516 — Evidence Of Coverage.

62A.4516 EVIDENCE OF COVERAGE. Every subscriber must be issued an evidence of coverage consistent with the requirements of Medicare Part D. History:   2005 c 17 art 2 s 7
MN Stat § 62A.4517 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62A — Accident And Health Insurance|Section 62A.4517 — Construction With Other Laws.

62A.4517 CONSTRUCTION WITH OTHER LAWS. Subdivision 1. Application of other insurance laws. (a) A prepaid limited health service organization organized under the laws of this state is deemed to be a domestic insurer for purposes of chapter 60D unless specifically exempted in writing from one or more of the provisions of that chapter by the commissioner, based upon a determination that the provision is not applicable to the organization or to providing coverage under Medicare Part D. (b) No other provision of chapters 60 to 72C applies to a prepaid limited health service organization unless such an organization is specifically mentioned in the provision. Subd. 2. Not a healing art. The provision of limited health services by a prepaid limited health service organization or other entity under sections 62A.451 to 62A.4528 must not be deemed to be the practice of medicine or other healing arts. Subd. 3. Solicitation and advertising. Solicitation to arrange for or provide limited health services in accordance with sections 62A.451 to 62A.4528 shall not be construed to violate any provision of law relating to solicitation or advertising by health professionals. History:   2005 c 17 art 2 s 8
MN Stat § 62A.4518 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62A — Accident And Health Insurance|Section 62A.4518 — Nonduplication Of Coverage.

62A.4518 NONDUPLICATION OF COVERAGE. Notwithstanding any other law of this state, a prepaid limited health service organization, health maintenance organization, accident and health insurance company, nonprofit health service plan corporation, or fraternal benefit society may exclude, in any contract or policy issued to a group, any coverage that would duplicate the coverage for limited health services, whether in the form of services, supplies, or reimbursement, insofar as the coverage or service is provided in accordance with sections 62A.451 to 62A.4528 under a contract or policy issued to the same group or to a part of that group by a prepaid limited health service organization, a health maintenance organization, an accident and health insurance company, a nonprofit health service corporation, or a fraternal benefit society. History:   2005 c 17 art 2 s 9
MN Stat § 62A.4519 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62A — Accident And Health Insurance|Section 62A.4519 — Complaint System.

62A.4519 COMPLAINT SYSTEM. Every prepaid limited health service organization shall establish and maintain a complaint system providing reasonable procedures for resolving written complaints initiated by enrollees and providers, consistent with the requirements of Medicare Part D. History:   2005 c 17 art 2 s 10
MN Stat § 62A.4520 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62A — Accident And Health Insurance|Section 62A.4520 — Examination Of Organization.

62A.4520 EXAMINATION OF ORGANIZATION. (a) The commissioner may examine the affairs of any prepaid limited health service organization as often as is reasonably necessary to protect the interests of the people of this state, but not less frequently than once every three years. (b) Every prepaid limited health service organization shall make its relevant books and records available for an examination and in every way cooperate with the commissioner to facilitate an examination. (c) In lieu of an examination, the commissioner may accept the report of an examination made by the commissioner of another state. History:   2005 c 17 art 2 s 11
MN Stat § 62A.4521 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62A — Accident And Health Insurance|Section 62A.4521 — Investments.

62A.4521 INVESTMENTS. The funds of a prepaid limited health service organization shall be invested only in accordance with the guidelines under chapter 62D for investments by health maintenance organizations. History:   2005 c 17 art 2 s 12
MN Stat § 62A.4522 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62A — Accident And Health Insurance|Section 62A.4522 — Agents.

62A.4522 AGENTS. No individual may apply, procure, negotiate, or place for others any policy or contract of a prepaid limited health service organization unless that individual holds a license or is otherwise authorized to sell accident and health insurance policies, nonprofit health service plan contracts, or health maintenance organization contracts. History:   2005 c 17 art 2 s 13
MN Stat § 62A.4524 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62A — Accident And Health Insurance|Section 62A.4524 — Officer's And Employee's Fidelity Bond.

62A.4524 OFFICER'S AND EMPLOYEE'S FIDELITY BOND. (a) A prepaid limited health service organization shall maintain in force a fidelity bond in its own name on its officers and employees in an amount not less than $20,000,000 or in any other amount prescribed by the commissioner. Except as otherwise provided by this paragraph, the bond must be issued by an insurance company that is licensed to do business in this state or, if the fidelity bond required by this paragraph is not available from an insurance company that holds a certificate of authority in this state, a fidelity bond procured by a licensed surplus lines agent resident in this state in compliance with sections 60A.195 to 60A.2095 satisfies the requirements of this paragraph. (b) In lieu of the bond specified in paragraph (a), a prepaid limited health service organization may deposit with the commissioner cash or securities or other investments of the types set forth in section 62A.4521. Such a deposit must be maintained by the commissioner in the amount and subject to the same conditions required for a bond under this paragraph. History:   2005 c 17 art 2 s 15
MN Stat § 62A.4525 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62A — Accident And Health Insurance|Section 62A.4525 — Reports.

62A.4525 REPORTS. (a) Every prepaid limited health service organization shall file with the commissioner annually, on or before April 1, a report verified by at least two principal officers covering the preceding calendar year. (b) The report must be on forms prescribed by the commissioner and must include: (1) a financial statement of the organization, including its balance sheet, income statement, and statement of changes in financial position for the preceding year, certified by an independent public accountant, or a consolidated audited financial statement of its parent company certified by an independent public accountant, attached to which must be consolidating financial statements of the prepaid limited health service organization; (2) the number of subscribers at the beginning of the year, the number of subscribers at the end of the year, and the number of enrollments terminated during the year; and (3) such other information relating to the performance of the organization as is necessary to enable the commissioner to carry out the commissioner's duties under sections 62A.451 to 62A.4528. (c) The commissioner may require more frequent reports containing information necessary to enable the commissioner to carry out the commissioner's duties under sections 62A.451 to 62A.4528. (d) The commissioner may suspend the organization's certificate of authority pending the proper filing of the required report by the organization. History:   2005 c 17 art 2 s 16
MN Stat § 62A.4527 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62A — Accident And Health Insurance|Section 62A.4527 — Penalties.

62A.4527 PENALTIES. In lieu of any penalty specified elsewhere in sections 62A.451 to 62A.4528, or when no penalty is specifically provided, whenever a prepaid limited health service organization or other person, corporation, partnership, or entity subject to those sections has been found, pursuant to chapter 14, to have violated any provision of sections 62A.451 to 62A.4528, the commissioner may: (1) issue and cause to be served upon the organization, person, or entity charged with the violation a copy of the findings and an order requiring the organization, person, or entity to cease and desist from engaging in the act or practice that constitutes the violation; and (2) impose a monetary penalty of not more than $1,000 for each violation, but not to exceed an aggregate penalty of $10,000. History:   2005 c 17 art 2 s 18
MN Stat § 62A.4528 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62A — Accident And Health Insurance|Section 62A.4528 — Rehabilitation, Conservation, Or Liquidation.

62A.4528 REHABILITATION, CONSERVATION, OR LIQUIDATION. (a) Any rehabilitation, conservation, or liquidation of a prepaid limited health service organization must be deemed to be the rehabilitation, conservation, or liquidation of an insurance company and must be conducted under chapter 60B. (b) A prepaid limited health service organization is not subject to the laws and rules governing insurance insolvency guaranty funds, nor shall any insurance insolvency guaranty fund provide protection to individuals entitled to receive limited health services from a prepaid limited health service organization. History:   2005 c 17 art 2 s 19