reglab/housing_qa huggingface dataset:
AR Code § 23-97-315 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 97 - Long-Term Care Insurance|Subchapter 3 - Long-Term Care Insurance Act of 2005|§ 23-97-315. Acceleration of death benefit

 (a) Any time a long-term care benefit funded through a life insurance vehicle by the acceleration of the death benefit is in benefit payment status, a monthly report shall be provided to the policyholder.  (b) The report shall include:  (1) Any long-term care benefits paid out during the month;  (2) An explanation of any changes in the policy, including, but not limited to, death benefits or cash values, due to the payment of long-term care benefits; and  (3) The remaining amount of long-term care benefits.
AR Code § 23-97-316 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 97 - Long-Term Care Insurance|Subchapter 3 - Long-Term Care Insurance Act of 2005|§ 23-97-316. Denial of claims

 If a claim under a long-term care insurance contract is denied, within sixty (60) days of the date of a written request by the policyholder or certificate holder or a representative of the policyholder or certificate holder, the issuer shall:   (1) Provide a written explanation of the reasons for the denial; and  (2) Make available all information directly related to the denial.
AR Code § 23-97-317 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 97 - Long-Term Care Insurance|Subchapter 3 - Long-Term Care Insurance Act of 2005|§ 23-97-317. Offer of long-term care or nursing home insurance

 Any policy or rider advertised, marketed, or offered as long-term care or nursing home insurance shall comply with the provisions of this subchapter.
AR Code § 23-97-318 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 97 - Long-Term Care Insurance|Subchapter 3 - Long-Term Care Insurance Act of 2005|§ 23-97-318. Incontestability period

 (a) An insurer may rescind a long-term care insurance policy or certificate or deny an otherwise valid long-term care insurance claim if:  (1) The long-term care insurance policy or certificate has been in force for less than six (6) months and the insurer relied upon a material misrepresentation in providing coverage; or  (2) The long-term care insurance policy or certificate has been in force for at least six (6) months but less than two (2) years and the insurer relied upon a material misrepresentation in providing coverage that pertains to the condition for which benefits are sought.    (b) A policy or certificate that has been in force for two (2) years or more may be contested only by showing that the insured knowingly and intentionally misrepresented relevant facts relating to the insured's health.  (c)  (1) No long-term care insurance policy or certificate may be field issued based on medical or health status.  (2) As used in this section, “field issued” means issued by an agent or a third-party administrator under the underwriting authority granted to the agent or third-party administrator by an insurer.    (d) If an insurer has paid benefits under the long-term care insurance policy or certificate, the benefit payments may not be recovered by the insurer if the policy or certificate is rescinded.  (e)  (1) Except as provided in subdivision (e)(2) of this section, this section shall apply to all life insurance policies that accelerate benefits for long-term care.  (2)  (A) In the event of the death of the insured, this section shall not apply to the remaining death benefit of a life insurance policy that accelerates benefits for long-term care.  (B) The remaining death benefit shall be governed by § 23-81-105.
AR Code § 23-97-319 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 97 - Long-Term Care Insurance|Subchapter 3 - Long-Term Care Insurance Act of 2005|§ 23-97-319. Nonforfeiture benefits

 (a)  (1) Except as provided in subsection (b) of this section, a long-term care insurance policy may not be delivered or issued for delivery in this state unless the policyholder or certificate holder has been offered the option of purchasing a policy or certificate containing a nonforfeiture benefit.  (2) The offer of a nonforfeiture benefit may be in the form of a rider that is attached to the policy.  (3) If the policyholder or certificate holder declines the nonforfeiture benefit, then the insurer shall provide a contingent benefit upon lapse that shall be available for the period of time specified by the Insurance Commissioner following a substantial increase in premium rates.    (b)  (1) When a group long-term care insurance policy is issued, the offer required in subsection (a) of this section shall be made to the group policyholder.  (2) However, if the policy is issued as group long-term care insurance as defined under § 23-97-304(6)(B), other than to a continuing care retirement community or similar entity, then the offering shall be made to each proposed certificate holder.    (c) The commissioner shall promulgate rules specifying:  (1) The type or types of nonforfeiture benefits to be offered as part of long-term care insurance policies and certificates;  (2) The standards for nonforfeiture benefits; and  (3) The rules regarding contingent benefit upon lapse, including a determination of the specified period of time during which a contingent benefit upon lapse will be available and the substantial premium rate increase that triggers a contingent benefit upon lapse under subsection (a) of this section.
AR Code § 23-97-320 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 97 - Long-Term Care Insurance|Subchapter 3 - Long-Term Care Insurance Act of 2005|§ 23-97-320. Authority to promulgate rules

 The Insurance Commissioner shall issue rules for long-term care insurance to:   (1) Promote premium adequacy;  (2) Protect the policyholder in the event of substantial rate increases; and  (3) Establish minimum standards for:  (A) Marketing practices;  (B) Agent compensation;  (C) Agent testing;  (D) Penalties; and  (E) Reporting practices.
AR Code § 23-97-321 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 97 - Long-Term Care Insurance|Subchapter 3 - Long-Term Care Insurance Act of 2005|§ 23-97-321. Penalties

 In addition to any other penalties provided by the laws of this state, any insurer or agent found to have violated any requirement of this state relating to the regulation of long-term care insurance or the marketing of long-term care insurance is subject to the greater of:   (1) A fine of up to three (3) times the amount of any commissions paid for each policy involved in the violation; or  (2) A fine of up to ten thousand dollars ($10,000).
AR Code § 23-99-201 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 99 - Healthcare Providers|Subchapter 2 - Patient Protection Act of 1995|§ 23-99-201. Short title

 This subchapter may be cited as the “Patient Protection Act of 1995”.
AR Code § 23-99-202 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 99 - Healthcare Providers|Subchapter 2 - Patient Protection Act of 1995|§ 23-99-202. Legislative findings and intent

 The General Assembly finds that patients should be given the opportunity to see the healthcare provider of their choice. In order to assure the citizens of the State of Arkansas the right to choose the provider of their choice, it is the intent of the General Assembly to provide the opportunity of providers to participate in health benefit plans.
AR Code § 23-99-203 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 99 - Healthcare Providers|Subchapter 2 - Patient Protection Act of 1995|§ 23-99-203. Definitions

 (a)  (1) “Copayment” means a type of cost sharing whereby insured or covered persons pay a specified predetermined amount per unit of service or percentage of healthcare costs with their healthcare insurer paying the remainder of the charge.  (2) The copayment is incurred at the time the service is rendered.  (3) The copayment may be a fixed or variable amount.    (b) “Gatekeeper system” means a system of administration used by any health benefit plan in which a primary care provider furnishes basic patient care and coordinates diagnostic testing, indicated treatment, and specialty referral for persons covered by the health benefit plan.  (c) “Health benefit plan” means any entity or program that provides reimbursement, including capitation, for healthcare services, except and excluding any entity or program that provides reimbursement and benefits pursuant to Arkansas Constitution, Amendment 26, Acts 1993, No. 796, or the Public Employee Workers' Compensation Act, § 21-5-601 et seq., and rules and schedules adopted thereunder.  (d) “Healthcare provider” means those individuals or entities licensed by the State of Arkansas to provide healthcare services, limited to the following:  (1) Advanced practice nurses;  (2) Athletic trainers;  (3) Audiologists;  (4) Certified behavioral health providers;  (5) Certified orthotists;  (6) Chiropractors;  (7) Community mental health centers or clinics;  (8) Dentists;  (9) Home health care;  (10) Hospice care;  (11) Hospital-based services;  (12) Hospitals;  (13) Licensed ambulatory surgery centers;  (14) Licensed certified social workers;  (15) Licensed dieticians;  (16) Licensed intellectual and developmental disabilities service providers;  (17) Licensed professional counselors;  (18) Licensed psychological examiners;  (19) Long-term care facilities;  (20) Occupational therapists;  (21) Optometrists;  (22) Pharmacists;  (23) Physical therapists;  (24) Physicians and surgeons (M.D. and D.O.);  (25) Podiatrists;  (26) Prosthetists;  (27) Psychologists;  (28) Respiratory therapists;  (29) Rural health clinics; and  (30) Speech pathologists.    (e) “Healthcare services” means services and products provided by a healthcare provider within the scope of the healthcare provider's license.  (f) “Healthcare insurer” means any entity, including, but not limited to:  (1) Insurance companies;  (2) Hospital and medical service corporations;  (3) Health maintenance organizations;  (4) Preferred provider organizations;  (5) Physician hospital organizations;  (6) Third-party administrators; and  (7) Prescription benefit management companies,      authorized to administer, offer, or provide health benefit plans.
AR Code § 23-99-204 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 99 - Healthcare Providers|Subchapter 2 - Patient Protection Act of 1995|§ 23-99-204. Terms of health benefit plan

 (a) A healthcare insurer shall not, directly or indirectly:  (1)  (A) Impose a monetary advantage or penalty under a health benefit plan that would affect a beneficiary's choice among those healthcare providers who participate in the health benefit plan according to the terms offered.  (B) “Monetary advantage or penalty” includes:  (i) A higher copayment;  (ii) A reduction in reimbursement for services; or  (iii) Promotion of one healthcare provider over another by these methods;      (2) Impose upon a beneficiary of healthcare services under a health benefit plan any copayment, fee, or condition that is not equally imposed upon all beneficiaries in the same benefit category, class, or copayment level under that health benefit plan when the beneficiary is receiving services from a participating healthcare provider pursuant to that health benefit plan; or  (3) Prohibit or limit a healthcare provider that is qualified under § 23-99-203(d) and is willing to accept the health benefit plan's operating terms and conditions, schedule of fees, covered expenses, and utilization rules and quality standards, from the opportunity to participate in that health benefit plan.    (b) Nothing in this subchapter shall prevent a health benefit plan from instituting measures designed to maintain quality and to control costs, including, but not limited to, the utilization of a gatekeeper system, as long as such measures are imposed equally on all providers in the same class.  (c)  (1) A healthcare insurer may pay a claim for healthcare services by any lawful method, including the alternative payment method by gift card, credit card, or other type of electronic payment or virtual credit card as payment if the healthcare provider is given clear instructions about how to select the alternative payment method.  (2) However, a healthcare insurer is prohibited from requiring a healthcare provider to accept a gift card, credit card, or other type of electronic payment or virtual credit card as payment of a claim for healthcare services if the method of payment charges the healthcare provider a service fee to process.
AR Code § 23-99-205 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 99 - Healthcare Providers|Subchapter 2 - Patient Protection Act of 1995|§ 23-99-205. Construction

 (a) Nothing in this subchapter shall be construed to require any healthcare insurer to cover any specific healthcare service.  (b) Provided, however, no condition or measure shall have the effect of excluding any type or class of provider qualified under § 23-99-204(a)(3) to provide that service.
AR Code § 23-99-206 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 99 - Healthcare Providers|Subchapter 2 - Patient Protection Act of 1995|§ 23-99-206. Violations

 It is a violation of this subchapter for any healthcare insurer or other person or entity to provide any health benefit plan providing for healthcare services to residents of this state that does not conform to this subchapter, but nothing in this subchapter shall constitute a violation on the basis of actions taken by the health benefit plan to maintain quality, enforce utilization rules, and to control costs.
AR Code § 23-99-207 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 99 - Healthcare Providers|Subchapter 2 - Patient Protection Act of 1995|§ 23-99-207. Civil penalties

 To the extent permitted by the Employee Retirement Income Security Act of 1974, as amended, 29 U.S.C. § 1001 et seq., any provider adversely affected by a violation of this subchapter may sue in circuit court only for injunctive relief against the healthcare insurer, but not for damages. The prevailing party shall be allowed a reasonable attorney's fee and costs.
AR Code § 23-99-208 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 99 - Healthcare Providers|Subchapter 2 - Patient Protection Act of 1995|§ 23-99-208. Void provisions

 (a) To avoid impairment of existing contracts, this subchapter shall only apply to contracts issued or renewed after July 28, 1995.  (b) Any provision in a health benefit plan which is executed, delivered, or renewed, or otherwise contracts for provision of services in this state that is contrary to this subchapter, shall, to the extent of the conflict, be void.
AR Code § 23-99-209 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 99 - Healthcare Providers|Subchapter 2 - Patient Protection Act of 1995|§ 23-99-209. Applicability

 The provisions of this subchapter shall not apply to self-funded or other health benefit plans that are exempt from state regulation by virtue of the Employee Retirement Income Security Act of 1974, as amended.
AR Code § 23-99-210 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 99 - Healthcare Providers|Subchapter 2 - Patient Protection Act of 1995|§ 23-99-210. Healthcare provider — Adverse professional review action

 A healthcare insurer shall not exclude a physician as a participating healthcare provider in a health benefit plan based solely on an adverse professional review action, including those described in the Arkansas Peer Review Fairness Act, § 20-9-1301 et seq., unless a hospital's physician peer review committee concludes that the conduct of the physician adversely affected or could have adversely affected a patient by violating the standard of care or posing a risk to the health or welfare of a patient.
AR Code § 23-99-301 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 99 - Healthcare Providers|Subchapter 3 - Primary Eye Care Provider Act|§ 23-99-301. Short title

 This subchapter shall be known and may be cited as the “Primary Eye Care Provider Act”.
AR Code § 23-99-302 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 99 - Healthcare Providers|Subchapter 3 - Primary Eye Care Provider Act|§ 23-99-302. Definitions

 As used in this subchapter:   (1) “Covered persons” means any individual or family that is enrolled in a health benefit plan or policy from a healthcare insurer and on whose behalf the healthcare insurer is obligated to pay for or provide eye and/or vision care benefits;  (2) “Covered service” means those healthcare services, including eye and/or vision care benefits, which the healthcare insurer is obligated to pay for or provide to covered persons under the health benefit plan or policy;  (3)  (A) “Eye and/or vision care benefits” means those services and materials which are provided by a primary eye care provider who is functioning within the scope of his or her license.  (B) The conditions imposed by any specific health benefit plan upon the provision of eye and/or vision care benefits shall not:  (i) Prohibit the primary eye care provider from providing covered services to covered persons at his or her highest level of licensure and competence at any given time, as determined by his or her respective licensing board; or  (ii) Require that the primary eye care provider hold hospital staff privileges or include any other condition as a requirement which would have the practical effect of excluding any class of provider from participation in the health benefit plan;      (4) “Gatekeeper” means a covered person's primary care provider in a gatekeeper system;  (5) “Gatekeeper system” means a system of administration used by any health benefit plan in which a primary care provider furnishes basic patient care and coordinates diagnostic testing, indicated treatment, and specialty referral for persons covered by the health benefit plan;  (6) “Health benefit plan” means any public or private health plan, program, policy, subscriber agreement, or contract implemented in the State of Arkansas which includes or may include payment, reimbursement, including capitation, or financial compensation for provision of eye and/or vision care benefits to covered persons but does not include workers' compensation coverage or reimbursement;  (7) “Healthcare insurer” means any entity, including, but not limited to, insurance companies, hospital and medical service corporations, health maintenance organizations, preferred provider organizations, and physician hospital organizations, that is authorized by the State of Arkansas to offer or provide health benefit plans, policies, subscriber contracts, or any other contracts of a similar nature which indemnify or compensate healthcare providers for the provision of healthcare services; and  (8) “Primary eye care provider” means an ophthalmologist or optometrist licensed by the State of Arkansas who has been selected by a person covered by a health benefit plan to provide eye and/or vision care benefits and who agrees to provide these services in accordance with the terms, conditions, reimbursement rates, and standards of quality as set forth within the specific health benefit plan.
AR Code § 23-99-303 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 99 - Healthcare Providers|Subchapter 3 - Primary Eye Care Provider Act|§ 23-99-303. Requirements for health benefit plans

 A health benefit plan that includes, or may include, eye and/or vision care benefits shall:   (1) Include all primary eye care providers who are selected by covered persons of the health benefit plan for the provision of all eye and/or vision care benefits provided by the health benefit plan;  (2) Permit any licensed optometrist or ophthalmologist who agrees to abide by the terms, conditions, reimbursement rates, and standards of quality of the health benefit plan to serve as a primary eye care provider to any person covered by that health benefit plan;  (3) Guarantee that all covered persons who are eligible for eye and/or vision care benefits under a health benefit plan shall have direct access to the primary eye care provider of their choice independent of, and without referral from, any other provider or entity;  (4)  (A) Assure that those plans utilizing a gatekeeper system shall designate the primary eye care provider as the gatekeeper who shall provide basic patient care and coordinate diagnostic testing, indicated treatment, and specialty referral for those covered persons in the provision of eye and/or vision care benefits.  (B)  (i) Nothing in this subchapter shall prevent a covered person from having direct access to that person's primary care provider, or gatekeeper, for the treatment of eye disease or injury and being reimbursed in accordance with the terms and fee schedule of the health benefit plan.  (ii) However, nothing contained in this subchapter shall require payment of the monthly patient management fee by the Arkansas Medicaid Program to a primary eye care provider gatekeeper;      (5) Not discriminate between individual providers or classes of providers in the amount of reimbursement, copayment, or other financial compensation for the same or essentially similar services provided by the health benefit plan;  (6) Not promote or recommend any individual provider or class of providers to a covered person by any method or means;  (7) Assure that all primary eye care providers selected by persons covered by a health benefit plan are included on the list of participating providers of the health benefit plan;  (8) Assure that an adequate number of primary eye care providers are included to guarantee reasonable accessibility, timeliness of care, convenience, and continuity of care to covered persons; and  (9) Make available to covered persons a listing of all primary eye care providers, their practice locations, and telephone numbers on a regular, timely basis.
AR Code § 23-99-304 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 99 - Healthcare Providers|Subchapter 3 - Primary Eye Care Provider Act|§ 23-99-304. Subchapter not to prevent treatment

 Nothing in this subchapter shall prevent any person covered by a health benefit plan from receiving emergency eye care nor shall it prevent any person from exercising his or her right to receive treatment from his or her personal doctor and being reimbursed in accordance with the terms and fee schedule of the health benefit plan.
AR Code § 23-99-305 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 99 - Healthcare Providers|Subchapter 3 - Primary Eye Care Provider Act|§ 23-99-305. Remedies

 Any person adversely affected by a violation of this subchapter may bring action in a court of competent jurisdiction for injunctive relief against the healthcare insurer and, upon prevailing, in addition to such injunctive relief, shall recover damages not less than one thousand dollars ($1,000) plus attorney's fees and costs.