reglab/housing_qa huggingface dataset:
MN Stat § 62A.49 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62A — Accident And Health Insurance|Section 62A.49 — Home Care Services Coverage.

62A.49 HOME CARE SERVICES COVERAGE. Subdivision 1. Generally. Section 62A.48 does not prohibit the sale of policies, certificates, subscriber contracts, or other evidences of coverage that provide home care services only. Home care services only policies may be sold, provided that they meet the requirements set forth in sections 62A.46 to 62A.56, except that they do not have to meet those conditions that relate to long-term care in nursing facilities. Disclosures and representations regarding these policies must be adjusted accordingly to remove references to coverage for nursing home care. Subd. 2. Provider networks and managed care. Home health care services issued pursuant to this section may be provided through a limited provider network and may employ managed care practices. If these methods are used, they must be adequately disclosed within the policy and any advertisements or representations regarding coverage. Policies may not be sold in areas where there are not sufficient providers to meet the needs of the policyholders located in that area. Subd. 3. Prohibited limitations. A long-term care insurance policy or certificate shall not, if it provides benefits for home health care or community care services, limit or exclude benefits by: (1) requiring that the insured would need care in a skilled nursing facility if home health care services were not provided; (2) requiring that the insured first or simultaneously receive nursing or therapeutic services in a home, community, or institutional setting before home health care services are covered; (3) limiting eligible services to services provided by a registered nurse or licensed practical nurse; (4) requiring that a nurse or therapist provide services covered by the policy that can be provided by a home health aide or other licensed or certified home care worker acting within the scope of licensure or certification; (5) excluding coverage for personal care services provided by a home health aide; (6) requiring that the provision of home health care services be at a level of certification or licensure greater than that required by the eligible service; (7) requiring that the insured have an acute condition before home health care services are covered; (8) limiting benefits to services provided by Medicare-certified agencies or providers; (9) excluding coverage for adult day care services; or (10) excluding coverage based upon location or type of residence in which the home health care services would be provided. History:  1994 c 485 s 32; 1996 c 446 art 1 s 38; 1Sp2003 c 14 art 2 s 4
MN Stat § 62A.52 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62A — Accident And Health Insurance|Section 62A.52 — Review Of Plan Of Care.

62A.52 REVIEW OF PLAN OF CARE. The insurer may review an insured's plan of care at reasonable intervals, but not more frequently than once every 30 days. History:   1986 c 397 s 6
MN Stat § 62A.54 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62A — Accident And Health Insurance|Section 62A.54 — Prohibited Practices.

62A.54 PROHIBITED PRACTICES. Unless otherwise provided for in sections 62A.46 to 62A.56, the solicitation or sale of long-term care policies is subject to the requirements and penalties applicable to the sale of Medicare supplement insurance policies as set forth in sections 62A.3099 to 62A.44. It is misconduct for any agent or company to make any misstatements concerning eligibility or coverage under the medical assistance program, or about how long-term care costs will or will not be financed if a person does not have long-term care insurance. Any agent or company providing information on the medical assistance program shall also provide information about how to contact the county human services department or the state Department of Human Services. History:  1986 c 397 s 7; 1988 c 689 art 2 s 10; 1992 c 564 art 1 s 33; 2005 c 17 art 1 s 14
MN Stat § 62A.56 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62A — Accident And Health Insurance|Section 62A.56 — Rulemaking.

62A.56 RULEMAKING. Subdivision 1. Permissive. The commissioner may adopt rules pursuant to chapter 14 to carry out the purposes of sections 62A.46 to 62A.56. The rules may: (1) establish additional disclosure requirements for long-term care policies designed to adequately inform the prospective insured of the need and extent of coverage offered; (2) prescribe uniform policy forms in order to give the purchaser of long-term care policies a reasonable opportunity to compare the cost of insuring with various insurers; and (3) establish other reasonable minimum standards as needed to further the purposes of sections 62A.46 to 62A.56. Subd. 2. Mandatory. The commissioner shall adopt rules under chapter 14 establishing general standards to ensure that assessments used in the prescribing of long-term care are reliable, valid, and clinically appropriate. History:  1986 c 397 s 8; 1990 c 551 s 8
MN Stat § 62A.60 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62A — Accident And Health Insurance|Section 62A.60 — Retroactive Denial Of Expenses.

62A.60 RETROACTIVE DENIAL OF EXPENSES. In cases where the subscriber or insured is liable for costs beyond applicable co-payments or deductibles, no insurer may retroactively deny payment to a person who is covered when the services are provided for health care services that are otherwise covered, if the insurer or its representative failed to provide prior or concurrent review or authorization for the expenses when required to do so under the policy, plan, or certificate. If prior or concurrent review or authorization was provided by the insurer or its representative, and the preexisting condition limitation provision, the general exclusion provision and any other coinsurance, or other policy requirements have been met, the insurer may not deny payment for the authorized service or time period except in cases where fraud or substantive misrepresentation occurred. History:  1989 c 330 s 20; 1996 c 446 art 1 s 39
MN Stat § 62A.61 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62A — Accident And Health Insurance|Section 62A.61 — Disclosure Of Methods Used By Health Carriers To Determine Usual And Customary Fees.

62A.61 DISCLOSURE OF METHODS USED BY HEALTH CARRIERS TO DETERMINE USUAL AND CUSTOMARY FEES. (a) A health carrier that bases reimbursement to health care providers upon a usual and customary fee must maintain in its office a copy of a description of the methodology used to calculate fees including at least the following: (1) the frequency of the determination of usual and customary fees; (2) a general description of the methodology used to determine usual and customary fees; and (3) the percentile of usual and customary fees that determines the maximum allowable reimbursement. (b) A health carrier must provide a copy of the information described in paragraph (a) to the commissioner of health or the commissioner of commerce, upon request. (c) The commissioner of health or the commissioner of commerce, as appropriate, may use to enforce this section any enforcement powers otherwise available to the commissioner with respect to the health carrier. The commissioner of health or commerce, as appropriate, may require health carriers to provide the information required under this section and may use any powers granted under other laws relating to the regulation of health carriers to enforce compliance. (d) For purposes of this section, "health carrier" has the meaning given in section 62A.011. (e) "Usual and customary" means the normal charge, in the absence of insurance, of the provider for a service or article, but not more than the prevailing charge in the area for like service or article. A "like service" is the same nature and duration, requires the same skill, and is performed by a provider of similar training and experience. A "like article" is one that is identically or substantially equivalent. "Area" means the municipality or, in the case of a large city, a subdivision of the city, in which the service or article is actually provided or a greater area as is necessary to obtain a representative cross-section of charges for like service or article. History:  1993 c 345 art 8 s 3; 1997 c 225 art 2 s 5; 1999 c 177 s 40
MN Stat § 62A.616 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62A — Accident And Health Insurance|Section 62A.616 — Coverage For Nursing Home Care For Terminally Ill And Other Services.

62A.616 COVERAGE FOR NURSING HOME CARE FOR TERMINALLY ILL AND OTHER SERVICES. An insurer may offer a health plan that covers nursing home care for the terminally ill, personal care attendants, and hospice care. For the purposes of this section, "terminally ill" means a diagnosis certified by a physician that a person has less than six months to live. History:   1995 c 258 s 36
MN Stat § 62A.63 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62A — Accident And Health Insurance|Section 62A.63 — Definitions.

62A.63 DEFINITIONS. Subdivision 1. Application. For purposes of section 62A.64, the terms defined in this section have the meanings given them. Subd. 2. Health care provider. "Health care provider" means a person, hospital, or health care facility, organization, or corporation that is licensed, certified, or otherwise authorized by the laws of this state to provide health care. Subd. 3. Insurer. "Insurer" means a health insurer regulated under this chapter, service plan corporation as defined under section 62C.02, subdivision 6, and health maintenance organization as defined under section 62D.02, subdivision 4. History:   1991 c 109 s 1
MN Stat § 62A.64 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62A — Accident And Health Insurance|Section 62A.64 — Health Insurance; Prohibited Agreements.

62A.64 HEALTH INSURANCE; PROHIBITED AGREEMENTS. An agreement between an insurer and a health care provider may not: (1) prohibit, or grant the insurer an option to prohibit, the provider from contracting with other insurers or payors to provide services at a lower price than the payment specified in the contract; (2) require, or grant the insurer an option to require, the provider to accept a lower payment in the event the provider agrees to provide services to any other insurer or payor at a lower price; or (3) require, or grant the insurer an option of, termination or renegotiation of the existing contract in the event the provider agrees to provide services to any other insurer or payor at a lower price. History:   1991 c 109 s 2
MN Stat § 62B.01 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62B — Credit Insurance|Section 62B.01 — Scope.

62B.01 SCOPE. All life insurance, accident and health insurance, and involuntary unemployment insurance in connection with loan or other credit transactions are subject to sections 62B.01 to 62B.14, except life, accidental death, and disability insurance written in connection with first real estate mortgage loans. Insurance is not subject to sections 62B.01 to 62B.14 where its issuance is an isolated transaction on the part of the insurer not related to an agreement or a plan for insuring debtors of the creditor. Credit life, credit accident and health, and credit involuntary unemployment insurance provided at no additional cost to the borrower are not subject to sections 62B.01 to 62B.14. History:  Ex1967 c 2 s 1; 1989 c 330 s 21; 1993 c 343 s 8; 2002 c 307 art 2 s 2
MN Stat § 62B.02 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62B — Credit Insurance|Section 62B.02 — Definitions.

62B.02 DEFINITIONS. Subdivision 1. Scope. For the purpose of sections 62B.01 to 62B.14 the following terms have the meanings given to them in this section. Subd. 2. Credit life insurance. "Credit life insurance" means insurance on the life of a debtor pursuant to or in connection with a specific loan or other credit transaction. Subd. 3. Credit accident and health insurance. "Credit accident and health insurance" means insurance on a debtor to provide indemnity for payments becoming due on a specific loan or other credit transaction while the debtor is disabled as defined in the policy. Subd. 3a. Credit involuntary unemployment insurance. "Credit involuntary unemployment insurance" means insurance on a debtor in connection with a specified loan or other credit transaction to provide payment to a creditor in the event of involuntary unemployment of the debtor for the installment payments or other periodic payments becoming due while the debtor is involuntarily unemployed. Subd. 4. Creditor. "Creditor" means the lender of money or vendor or lessor of goods, services, or property, rights or privileges, for which payment is arranged through a credit transaction, or successor to the right, title or interest of a lender, vendor, or lessor, and an affiliate, associate or subsidiary of them, director, officer or employee of them or any other person in any way associated with them. Subd. 5. Debtor. "Debtor" means a borrower of money or a purchaser or lessee of goods, services, property, rights or privileges for which payment is arranged through a credit transaction. Subd. 6. Indebtedness. "Indebtedness" means the total amount payable by a debtor to a creditor in connection with a loan or other credit transaction. Subd. 7. Commissioner. "Commissioner" means the commissioner of commerce. History:  Ex1967 c 2 s 2; 1983 c 289 s 114 subd 1; 1984 c 655 art 1 s 92; 1993 c 343 s 9
MN Stat § 62B.03 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62B — Credit Insurance|Section 62B.03 — Forms Of Credit Life Insurance, Credit Accident And Health Insurance, And Credit Involuntary Unemployment Insurance.

62B.03 FORMS OF CREDIT LIFE INSURANCE, CREDIT ACCIDENT AND HEALTH INSURANCE, AND CREDIT INVOLUNTARY UNEMPLOYMENT INSURANCE. Credit life insurance, credit accident and health insurance, and credit involuntary unemployment insurance shall be issued only in the following forms: (1) individual policies of life insurance issued to debtors on the term plan; (2) individual policies of accident and health insurance issued to debtors on a term plan or disability benefit provisions in individual policies of credit life insurance; (3) individual policies of involuntary unemployment insurance issued to debtors on the term plan; (4) group policies of life insurance issued to creditors providing insurance upon the lives of debtors on the term plan; (5) group policies of accident and health insurance issued to creditors on a term plan insuring debtors or disability benefit provisions in group credit life insurance policies to provide such coverage; (6) group policies of involuntary unemployment insurance issued to creditors on a term plan insuring debtors. History:  Ex1967 c 2 s 3; 1993 c 343 s 10
MN Stat § 62B.05 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62B — Credit Insurance|Section 62B.05 — Term Of Credit Insurance.

62B.05 TERM OF CREDIT INSURANCE. The term of any credit life insurance, credit accident and health insurance, or credit involuntary unemployment insurance shall, subject to acceptance by the insurer, commence on the date when the debtor becomes obligated to the creditor, except that, where a group policy provides coverage with respect to existing obligations, the insurance on a debtor with respect to the indebtedness shall commence on the effective date of the policy. Where evidence of insurability is required and the evidence is furnished more than 30 days after the date when the debtor becomes obligated to the creditor, the term of the insurance may commence on the date on which the insurance company determines the evidence to be satisfactory, and in that event there shall be an appropriate refund or adjustment of any charge to the debtor for insurance. The term of the insurance shall not extend more than 15 days beyond the scheduled maturity date of the indebtedness except when extended without additional cost to the debtor. If an indebtedness is prepaid in full before its scheduled maturity, except by performance of the insurer's obligation under the policy, the insurance shall be deemed canceled and a refund shall be paid or credited as provided in section 62B.08. Upon prepayment in full, the creditor shall make the refund of unearned premium, unless the credit insurance was originated by a third party, in which case the creditor shall promptly notify the third party who shall make the refund. History:  Ex1967 c 2 s 5; 1977 c 382 s 4; 1978 c 641 s 1; 1Sp1985 c 10 s 61; 1986 c 455 s 87; 1993 c 343 s 12
MN Stat § 62B.09 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62B — Credit Insurance|Section 62B.09 — Issuance Of Policies.

62B.09 ISSUANCE OF POLICIES. Subdivision 1. Regulation. Policies of credit life insurance and credit accident and health insurance shall be delivered or issued for delivery in this state only by an insurer authorized to do an insurance business in this state and shall be issued only through holders of licenses or authorizations issued by the commissioner. Subd. 2. Characterization of premiums. The premiums for individual policies of credit life or credit accident and health insurance issued to debtors or the cost to debtors under group policies of credit life or credit accident and health insurance issued to creditors, whether or not written by or through any lender or other creditor, its affiliate, associate or subsidiary or a director, officer or employee of any of them, shall not be deemed interest or charges nor consideration or any amount whatsoever for any examination, service, brokerage, commission, compensation for services, incidental expenses or other thing or otherwise, in addition to or in excess of permitted interest or charges in connection with the loan or credit transaction. Any gain, participation or advantage to any lender or other creditor, its affiliate, associates or subsidiary or to a director, officer or employee of any of them arising out of such premium or cost by way of commission, dividend or otherwise, shall not be deemed interest or charges nor consideration or any amount whatsoever for any examination, service, brokerage, commission, compensation for services, incidental expenses or other thing or otherwise, in addition to or in excess of permitted interest or charges in connection with the loan or credit transaction. Subd. 3. Creditor's authority. Any creditor doing business in the state of Minnesota may, in the same office or place of business where such creditor transacts business, take applications or enrollments for credit life insurance, credit accident and health insurance, or credit involuntary unemployment insurance upon a borrower or purchaser or one of them if there are two or more in connection with the making of a loan or sale. History:  Ex1967 c 2 s 9; 1993 c 343 s 23
MN Stat § 62B.10 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62B — Credit Insurance|Section 62B.10 — Claims.

62B.10 CLAIMS. Subdivision 1. Handling. All claims shall be promptly reported to the insurer or its designated claim representative, and the insurer shall maintain adequate claim files. Claims shall be settled as soon as possible and in accordance with the terms of the insurance contract. Subd. 2. Payment. All claims shall be paid either by draft drawn upon the insurer or by check of the insurer to the order of the claimant to whom payment of the claim is due pursuant to the policy provisions, or upon direction of the claimant to one specified. Subd. 3. Settlement or adjustment. No plan or arrangement shall be used whereby any person, firm or corporation other than the insurer or its designated claim representative shall be authorized to settle or adjust claims. The creditors shall not be designated as claim representative for the insurer in adjusting claims; provided, that a group policyholder may, by arrangement with the group insurer, draw drafts or checks in payment of claims due to the group policyholder subject to audit and review by the insurer. History:   Ex1967 c 2 s 10
MN Stat § 62B.11 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62B — Credit Insurance|Section 62B.11 — Existing Insurance; Choice Of Insurer.

62B.11 EXISTING INSURANCE; CHOICE OF INSURER. When credit life insurance, credit accident and health insurance, or credit involuntary unemployment insurance is required as additional security for any indebtedness, the debtor shall, upon request to the creditor, have the option of furnishing the required amount of insurance through existing policies of insurance owned or controlled by the debtor or of procuring and furnishing the required coverage through any insurer authorized to transact an insurance business within this state. History:  Ex1967 c 2 s 11; 1986 c 444; 1993 c 343 s 24
MN Stat § 62B.12 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62B — Credit Insurance|Section 62B.12 — Rulemaking.

62B.12 RULEMAKING. The commissioner may, after notice and hearing, issue rules the commissioner deems appropriate for the supervision of sections 62B.01 to 62B.14. The commissioner shall promulgate rules to establish rates for credit involuntary unemployment insurance prior to its issuance, and to enact the other provisions of Laws 1993, chapter 343, and the commissioner shall report by February 15, 1994, to the house of representatives Committee on Financial Institutions and Insurance and to the senate Commerce and Consumer Protection Committee on the rules or status of the rulemaking, including the expected loss ratio. The commissioner is not obligated to promulgate a rule unless and until four or more insurers who plan to write credit involuntary unemployment insurance in Minnesota agree to pay for the cost of the promulgation of any rules authorized by this section. Companies selling credit involuntary unemployment insurance shall be assessed by the department to pay the costs of rulemaking. Moneys collected pursuant to this provision must be deposited in the state treasury and credited to a special account and are appropriated to the commissioner for the rulemaking purposes authorized by this section. For the purposes of this chapter, any insurer authorized to offer the coverage specified by section 60A.06, subdivision 1, clause (1) or (4), shall be authorized to sell credit involuntary unemployment insurance pursuant to this chapter. History:  Ex1967 c 2 s 12; 1985 c 248 s 70; 1986 c 444; 1993 c 343 s 25; 1994 c 425 s 11
MN Stat § 62B.13 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62B — Credit Insurance|Section 62B.13 — Judicial Review.

62B.13 JUDICIAL REVIEW. Any party to the proceeding affected by an order of the commissioner shall be entitled to judicial review in accordance with chapter 14. History:  Ex1967 c 2 s 13; 1982 c 424 s 130
MN Stat § 62B.14 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 62B — Credit Insurance|Section 62B.14 — Penalties.

62B.14 PENALTIES. In addition to any other penalty provided by law, any person, firm or corporation which violates an order of the commissioner after it has become final, and while it is in effect, shall, upon proof thereof to the satisfaction of the court, forfeit and pay to the state a sum not to exceed $250 which may be recovered in a civil action, except that if the violation is found to be willful, the amount of the penalty shall be a sum not to exceed $1,000. The commissioner may revoke or suspend the license or certificate of authority of the person, firm or corporation guilty of such violation. Such order for suspension or revocation shall be upon notice and hearing, and shall be subject to judicial review as provided in section 62B.13. History:  Ex1967 c 2 s 14; 1986 c 444