reglab/housing_qa huggingface dataset:
MS Code § 83-9-49 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 9 - Accident, Health and Medicare Supplement Insurance|Notice of Payment for Services Made Directly to Patient|§ 83-9-49. Limit on exclusion of preexisting condition from health and accident insurance coverage; definition of preexisting condition; exceptions

  Any group hospital, health or medical expense insurance policy, hospital or medical service contract, health and accident insurance policy or any other insurance contract of this type which is delivered or issued for delivery in this state on or after January 1, 1994, shall not deny, exclude or limit benefits for a covered individual for losses due to a preexisting condition incurred more than twelve (12) months following the effective date of the individual's coverage. Any group policy, contract or plan subject to this section shall not contain a definition of a preexisting condition more restrictive than the following:   A condition that would have caused an ordinary prudent person to seek medical advice, diagnosis, care or treatment during the six (6) months immediately preceding the effective date of coverage;   A condition for which medical advice, diagnosis, care or treatment was recommended or received during the six (6) months immediately preceding the effective date of coverage.     Any individual hospital, health or medical expense insurance policy, hospital or medical service contract, health and accident insurance policy or any other insurance contract of this type which is delivered or issued for delivery in this state on or after January 1, 1994, shall not deny, exclude or limit benefits for a covered individual for losses due to a preexisting condition incurred more than twelve (12) months following the effective date of the individual's coverage. Any individual policy, contract or plan subject to this section shall not contain a definition of a preexisting condition more restrictive than the following:   A condition that would have caused an ordinary prudent person to seek medical advice, diagnosis, care or treatment during the twelve (12) months immediately preceding the effective date of coverage;   A condition for which medical advice, diagnosis, care or treatment was recommended or received during the twelve (12) months immediately preceding the effective date of coverage;   A pregnancy existing on the effective date of coverage.     This section shall not apply to hospital daily indemnity plans, specified disease only policies, or other limited, supplemental benefit insurance policies.
MS Code § 83-9-53 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 9 - Accident, Health and Medicare Supplement Insurance|Notice of Payment for Services Made Directly to Patient|§ 83-9-53. Authorization to establish rules and regulations

 The Commissioner of Insurance may establish such rules and regulations as may be necessary or desirable to carry out Sections 83-9-47 through 83-9-53.
MS Code § 83-9-101 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 9 - Accident, Health and Medicare Supplement Insurance|Medicare Supplement Insurance|§ 83-9-101. Definitions

 As used in Sections 83-9-101 through 83-9-113:   "Applicant" means:   In the case of an individual Medicare supplement policy, the person who seeks to contract for insurance benefits, and   In the case of a group Medicare supplement policy, the proposed certificate holder.   "Certificate" means any certificate delivered or issued for delivery in this state under a group Medicare supplemental policy.   "Certificate form" means the form on which the certificate is delivered or issued for delivery by the issuer.   "Commissioner" means the Commissioner of Insurance of this state.   "Issuer" includes insurance companies, fraternal benefit societies, health care service plans, health maintenance organizations and any other entity delivering or issuing for delivery in this state Medicare supplement policies or certificates.   "Medicare supplement policy" means a group or individual policy of accident and health insurance, or a subscriber contract of hospital and medical service associations or health maintenance organizations, other than a policy issued pursuant to a contract under Section 1876 of the federal Social Security Act, or an issued policy under a demonstration project specified in 42 USCS 1395(g)(1), which is advertised, marketed or designed primarily as a supplement to reimbursements under Medicare for the hospital, medical or surgical expenses of persons eligible for Medicare.   "Medicare" means the "Health Insurance for the Aged Act," Title XVIII of the Social Security Amendments of 1965, as then constituted or later amended.   "Policy form" means the form on which the policy is delivered or issued for delivery by the issuer.
MS Code § 83-9-102 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 9 - Accident, Health and Medicare Supplement Insurance|Medicare Supplement Insurance|§ 83-9-102. Applicability of provisions

  Sections 83-9-101 through 83-9-115 shall apply to:   All Medicare supplement policies delivered or issued for delivery in this state on or after April 20, 1992, and   All certificates issued under group Medicare supplement policies, which certificates have been delivered or issued for delivery in this state.     Sections 83-9-101 through 83-9-115 shall not apply to a policy of one or more employers or labor organizations, or of the trustees of a fund established by one or more employers or labor organizations, or combination thereof, for employees or former employees or a combination thereof, or for members or former members, or a combination thereof, of the labor organizations.   Except as otherwise specifically provided in Section 83-9-109(4), Sections 83-9-101 through 83-9-115 are not intended to prohibit or apply to insurance policies or health care benefit plans, including group conversion policies, provided to Medicare eligible persons which policies are not marketed or held to be Medicare supplement policies or benefit plans.
MS Code § 83-9-103 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 9 - Accident, Health and Medicare Supplement Insurance|Medicare Supplement Insurance|§ 83-9-103. Regulations to be issued by commissioner

  The commissioner shall adopt reasonable regulations to establish specific standards for policy provisions of Medicare supplement policies and certificates. Such standards shall be in addition to and in accordance with applicable laws of this state including Sections 83-9-1 through 83-9-21, Mississippi Code of 1972. No requirement of the insurance code relating to minimum required policy benefits, other than the minimum standards contained in Sections 83-9-101 through 83-9-115, shall apply to Medicare supplement policies and certificates. The standards may cover, but not be limited to:   Terms of renewability;   Initial and subsequent conditions of eligibility;   Nonduplication of coverage;   Probationary periods;   Benefit limitations, exceptions and reductions;   Elimination periods;   Requirements for replacement;   Recurrent conditions; and   Definitions of terms.     The commissioner may adopt reasonable regulations that specify prohibited policy provisions not otherwise specifically authorized by statute which, in the opinion of the commissioner, are unjust, unfair or unfairly discriminatory to any person insured or proposed to be insured under a Medicare supplement policy or certificate.   Notwithstanding any other provisions of law, a Medicare supplement policy or certificate shall not exclude or limit benefits for losses incurred more than six (6) months from the effective date of coverage because it involved a preexisting condition. The policy or certificate shall not define a preexisting condition more restrictively than a condition for which medical advice was given or treatment was recommended by or received from a physician within six (6) months before the effective date of coverage.   The commissioner may adopt such reasonable regulations as are necessary to conform Medicare supplement policies and certificates to the requirements of federal law and regulations promulgated thereunder, including but not limited to:   Requiring refunds or credits if the policies or certificates do not meet loss ratio requirements;   Establishing a uniform methodology for calculating and reporting loss ratios;   Assuring public access to policies, premiums and loss ratio information of issuers of Medicare supplement insurance;   Establishing a process for approving or disapproving policy forms and certificate forms and proposed premium increases; and   Establishing a policy for holding public hearings prior to approval of premium increases.     No Medicare supplement policy or certificate in force in the State shall contain benefits that duplicate benefits provided by Medicare.
MS Code § 83-9-105 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 9 - Accident, Health and Medicare Supplement Insurance|Medicare Supplement Insurance|§ 83-9-105. Adoption of minimum standards for benefits; claim payments, etc.

 The commissioner shall adopt reasonable regulations to establish minimum standards for benefits, claims payment, marketing practices and compensation arrangements and reporting practices for Medicare supplement policies and certificates.
MS Code § 83-9-106 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 9 - Accident, Health and Medicare Supplement Insurance|Medicare Supplement Insurance|§ 83-9-106. Minimum reserves for accident and health insurance companies

 The Commissioner of Insurance shall establish regulations setting forth standards to provide minimum reserves for accident and health insurance companies, including nonprofit hospital, medical and surgical service corporations.
MS Code § 83-9-107 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 9 - Accident, Health and Medicare Supplement Insurance|Medicare Supplement Insurance|§ 83-9-107. Minimum standards for loss ratios

 Medicare supplement policies shall return to policyholders benefits which are reasonable in relation to the premium charged. The commissioner shall issue reasonable regulations to establish minimum standards for loss ratios of Medicare supplement policies on the basis of incurred claims experience, or incurred health care expenses when coverage is provided by a health maintenance organization on a service rather than reimbursement basis, and earned premiums in accordance with accepted actuarial principles and practices.
MS Code § 83-9-108 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 9 - Accident, Health and Medicare Supplement Insurance|Medicare Supplement Insurance|§ 83-9-108. Mammography; optional coverage; written acceptance or rejection; application of section

  Every insurer shall offer in each group or individual policy, contract or certificate of health insurance issued or renewed for persons who are residents of this state, coverage for annual screenings by low-dose mammography for all women thirty-five (35) years of age or older for the presence of occult breast cancer within the provisions of the policy, contract or certificate. This coverage shall be offered on an optional basis, and each primary insured must accept or reject such coverage in writing and accept responsibility for premium payment.   Such benefits shall be at least as favorable as for other radiological examinations and subject to the same dollar limits, deductibles and coinsurance factors. For purposes of this section, "low-dose mammography" means the x-ray examination of the breast using equipment dedicated specifically for mammography, including the x-ray tube, filter, compression device, screens, films and cassettes with a radiation exposure which is diagnostically valuable and in keeping with the recommended "Average Patient Exposure Guides" as published by the Conference of Radiation Control Program Directors, Inc.   Except for cancer policies, nothing in this section shall apply to accident-only, specified disease, hospital indemnity, Medicare supplement, long-term care or limited benefit health insurance policies.
MS Code § 83-9-109 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 9 - Accident, Health and Medicare Supplement Insurance|Medicare Supplement Insurance|§ 83-9-109. Outline of coverage

  In order to provide for full and fair disclosure in the sale of Medicare supplement policies, no Medicare supplement policy or certificate shall be delivered in this state unless an outline of coverage is delivered to the applicant at the time application is made.   The commissioner shall prescribe the format and content of the outline of coverage required by subsection (1). For purposes of this section, "format" means style, arrangement and overall appearance, including such items as the size, color and prominence of type and the arrangement of text and captions. Such outline of coverage shall include:   A description of the principal benefits and coverage provided in the policy;   A statement of the renewal provisions including any reservation by the insurer of a right to change premiums and disclosure of any automatic renewal premium increases based on the policyholder's age;   A statement that the outline of coverage is a summary of the policy issued or applied for and that the policy should be consulted to determine governing contractual provisions.     The commissioner may prescribe by regulation a standard form and the contents of an informational brochure for persons eligible for Medicare which is intended to improve the buyer's ability to select the most appropriate coverage and improve the buyer's understanding of Medicare. Except in the case of direct response insurance policies, the commissioner may require by regulation that the informational brochure be provided to any prospective insureds eligible for Medicare concurrently with delivery of the outline of coverage. With respect to direct response insurance policies, the commissioner may require by regulation that the prescribed brochure be provided upon request to any prospective insureds eligible for Medicare, but in no event later than the time of policy delivery.   The commissioner may adopt regulations for captions or notice requirements, determined to be in the public interest and designed to inform prospective insureds that particular insurance coverages are not Medicare supplement coverages, for all accident and health insurance policies sold to persons eligible for Medicare other than:   Medicare supplement policies; or   Disability income policies.     The commissioner may adopt reasonable regulations to govern the full and fair disclosure of information in connection with the replacement of accident and health policies, subscriber contracts or certificates by persons eligible for Medicare.
MS Code § 83-9-110 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 9 - Accident, Health and Medicare Supplement Insurance|Medicare Supplement Insurance|§ 83-9-110. Review and approval of advertising by commissioner

 Every issuer of Medicare supplement insurance policies or certificates in this state shall provide a copy of any Medicare supplement advertisement intended for use in this state whether through written, radio or television medium to the commissioner for review and approval.
MS Code § 83-9-111 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 9 - Accident, Health and Medicare Supplement Insurance|Medicare Supplement Insurance|§ 83-9-111. Right to return policy or certificate

 Medicare supplement policies or certificates shall have a notice prominently printed on the first page of the policy or certificate or attached thereto stating in substance that the applicant shall have the right to return the policy or certificate within thirty (30) days of its delivery and to have the premium refunded if, after examination of the policy or certificate, the applicant is not satisfied for any reason. Any refund made pursuant to this section shall be paid directly to the applicant by the issuer in a timely manner.
MS Code § 83-9-112 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 9 - Accident, Health and Medicare Supplement Insurance|Medicare Supplement Insurance|§ 83-9-112. Penalty for issuers violating statutory provisions

 In addition to any other applicable penalties for violations of the insurance code, the commissioner may require issuers violating any provision of Sections 83-9-101 through 83-9-115 or regulations promulgated pursuant to Sections 83-9-101 through 83-9-115 to cease marketing any Medicare supplement policy or certificate in this state which is related directly or indirectly to a violation or may require such issuer to take such actions as are necessary to comply with the provisions of Sections 83-9-101 through 83-9-115, or both.
MS Code § 83-9-113 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 9 - Accident, Health and Medicare Supplement Insurance|Medicare Supplement Insurance|§ 83-9-113. Regulations subject to administrative procedures law

 Regulations promulgated pursuant to Sections 83-9-101 through 83-9-113 shall be subject to the provisions of Chapter 43 of Title 25, Mississippi Code of 1972.
MS Code § 83-9-115 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 9 - Accident, Health and Medicare Supplement Insurance|Medicare Supplement Insurance|§ 83-9-115. Effect of partial invalidity of provisions

 If any provision of Sections 83-9-101 through 83-9-115 or the application thereof to any person or circumstances is for any reason held to be invalid, the remainder of Sections 83-9-101 through 83-9-115 and the application of such provision to other persons or circumstances shall not be affected thereby.
MS Code § 83-9-201 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 9 - Accident, Health and Medicare Supplement Insurance|Comprehensive Health Insurance Risk Pool Association|§ 83-9-201. Short title

 Sections 83-9-201 through 83-9-222 shall be known and may be cited as the "Comprehensive Health Insurance Risk Pool Association Act."
MS Code § 83-9-203 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 9 - Accident, Health and Medicare Supplement Insurance|Comprehensive Health Insurance Risk Pool Association|§ 83-9-203. Purpose

 It is the purpose of the Legislature to establish a mechanism to allow the availability of a health insurance program and to allow the availability of health and accident insurance coverage to those citizens of this state who (a) because of health conditions cannot secure such coverage, or (b) desire to obtain or continue health insurance coverage under any state or federal program designed to enable persons to obtain or maintain health insurance coverage.
MS Code § 83-9-207 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 9 - Accident, Health and Medicare Supplement Insurance|Comprehensive Health Insurance Risk Pool Association|§ 83-9-207. Participation by insurers; availability of policies for sale

  Every insurer shall participate in the association.   The requirements of this plan shall become effective April 15, 1991. The policies shall be available for sale January 1, 1992.
MS Code § 83-9-212 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 9 - Accident, Health and Medicare Supplement Insurance|Comprehensive Health Insurance Risk Pool Association|§ 83-9-212. Liability of board, employees, insurers, association, etc. for obligations of association or acts or omissions; indemnification and representation of board and employees

 Neither the board nor its employees shall be liable for any obligations of the association. There shall be no liability on the part of and no cause of action shall arise against any member insurer or its agents or employees, the association or its agents or employees, members of the board of directors or the commissioner or his representatives for any action or omission by them in the performance of their powers and duties under Sections 83-9-201 through 83-9-222. The board may provide in its bylaws or rules for indemnification of, and legal representation for, its members and employees.
MS Code § 83-9-214 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 9 - Accident, Health and Medicare Supplement Insurance|Comprehensive Health Insurance Risk Pool Association|§ 83-9-214. Distribution of funds held by Comprehensive Health Insurance Risk Pool Association upon cessation of operations

 Upon the cessation of operations by the Comprehensive Health Insurance Risk Pool Association, the distribution of any funds held by the association, including the refund of assessments, shall require the prior approval of the Commissioner of Insurance.
MS Code § 83-9-217 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 9 - Accident, Health and Medicare Supplement Insurance|Comprehensive Health Insurance Risk Pool Association|§ 83-9-217. Assessments against insurers

  For the purpose of providing the funds necessary to carry out the powers and duties of the association, the board of directors shall assess the member insurers at such time and for such amounts as the board finds necessary. Assessments shall be due not less than thirty (30) days after prior written notice to the member insurers and shall accrue interest at twelve percent (12%) per annum on and after the due date.   Each insurer shall be assessed an amount not to exceed Three Dollars ($3.00) per covered person insured or reinsured by each insurer per month. There shall not be such assessment on any insurer on policies or contracts insuring federal or state employees.   The board shall make reasonable efforts designed to ensure that each covered person is counted only once with respect to any assessment. For that purpose, the board shall require each insurer that obtains excess or stoploss insurance to include in its count of covered persons all individuals whose coverage is insured (including by way of excess or stoploss coverage) in whole or part.The board shall allow a reinsurer to exclude from its number of covered persons those who have been counted by the primary insurer or by the primary reinsurer or primary excess or stoploss insurer for the purpose of determining its assessment under this subsection.   Each insurer's assessment may be verified by the board based on annual statements and other reports deemed to be necessary by the board. The board may use any reasonable method of estimating the number of covered persons of an insurer if the specific number is unknown.   If assessments and other receipts by the association, board or administering insurer exceed the actual losses and administrative expenses of the plan, the excess shall be held at interest and used by the board to offset future losses or to reduce plan premiums.  As used in this subsection, the term "future losses" includes reserves for claims incurred but not reported.    The commissioner may suspend or revoke, after notice and hearing, the certificate of authority to transact insurance in this state of any member insurer which fails to pay an assessment or otherwise file any report or furnish information required to be filed with the board pursuant to the board's direction that the board determines is necessary in order for the board to perform its duties under this section. As an alternative, the commissioner may levy a forfeiture on any member insurer which fails to pay an assessment when due. Such forfeiture shall not exceed five percent (5%) of the unpaid assessment per month, but no forfeiture shall be less than One Hundred Dollars ($100.00) per month.
MS Code § 83-9-219 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 9 - Accident, Health and Medicare Supplement Insurance|Comprehensive Health Insurance Risk Pool Association|§ 83-9-219. Insurance of plan coverage; issuance of policies

 The coverage provided by the plan shall be directly insured by the association, and the policies shall be issued through the administering insurer. Subject to the approval of the commissioner, the association may close enrollment in, and/or cease to offer the coverage provided by, the plan at any time upon a determination by the board that the availability of such coverage is no longer necessary.