reglab/housing_qa huggingface dataset:
MD. Insurance Code Ann. §  15-224 (2021)
2021 Maryland Statutes|Insurance|Title 15 - Health Insurance|Subtitle 2 - Individual Health Insurance Policy Forms and Provisions|Section 15-224 - Relation of Earnings to Insurance

    (a)    A policy of health insurance may contain the following provision:    “Relation of earnings to insurance: If the total monthly amount of loss-of-time benefits promised for the same loss under all valid loss-of-time coverage upon the insured, whether payable on a weekly or monthly basis, shall exceed the monthly earnings of the insured at the time disability commenced or his average monthly earnings for the period of two years immediately preceding a disability for which claim is made, whichever is the greater, the insurer will be liable only for such proportionate amount of such benefits under this policy as the amount of such monthly earnings or such average monthly earnings of the insured bears to the total amount of monthly benefits for the same loss under all such coverage upon the insured at the time such disability commences and for the return of such part of the premiums paid during such two years as shall exceed the pro rata amount of the premiums for the benefits actually paid hereunder; but this shall not operate to reduce the total monthly amount of benefits payable under all such coverage upon the insured below the sum of $200 or the sum of the monthly benefits specified in such coverages, whichever is the lesser, nor shall it operate to reduce benefits other than those payable for loss of time.”    (b)    The policy provision set forth in subsection (a) of this section may be inserted only in a policy that the insured may continue in effect subject to its terms by the timely payment of premiums:        (1)    until the insured is at least 50 years old; or        (2)    if the policy is issued after the insured is 44 years old, for at least 5 years after its date of issue.    (c)    (1)    The insurer may include in the provision set forth in subsection (a) of this section a definition of “valid loss-of-time coverage” if the definition:            (i)    is approved as to form by the Commissioner;            (ii)    is limited to:                1.    coverage provided by governmental units or organizations subject to regulation by insurance law or insurance authorities of this State, another state, or a province of Canada;                2.    any other coverage that the Commissioner may approve for inclusion; or                3.    a combination of these coverages.        (2)    Unless defined otherwise, “valid loss-of-time coverage” does not include:            (i)    coverage provided for the insured under a compulsory benefit statute, including a workers’ compensation or employer’s liability statute; or            (ii)    coverage provided by union welfare plans or by employer or employee benefit organizations.
MD. Insurance Code Ann. §  15-225 (2021)
2021 Maryland Statutes|Insurance|Title 15 - Health Insurance|Subtitle 2 - Individual Health Insurance Policy Forms and Provisions|Section 15-225 - Unpaid Premiums

    A policy of health insurance may contain the following provision:    “Unpaid premiums: Upon the payment of a claim under this policy, any premium then due and unpaid or covered by any note or written order may be deducted therefrom.”
MD. Insurance Code Ann. §  15-226 (2021)
2021 Maryland Statutes|Insurance|Title 15 - Health Insurance|Subtitle 2 - Individual Health Insurance Policy Forms and Provisions|Section 15-226 - Conformity With Statutes of Residence

    A policy of health insurance may contain the following provision:    “Conformity with state statutes: Any provision of this policy which, on its effective date is in conflict with the statutes of the state in which the insured resides on such date is hereby amended to conform to the minimum requirements of such statutes.”
MD. Insurance Code Ann. §  15-301 (2021)
2021 Maryland Statutes|Insurance|Title 15 - Health Insurance|Subtitle 3 - Group and Blanket Health Insurance Policy Forms and Provisions|Section 15-301 - Definitions

    (a)    In this subtitle the following words have the meanings indicated.    (b)    “Blanket health insurance” means the form of health insurance described in § 15-305 of this subtitle.    (c)    “Group health insurance” means the form of health insurance described in § 15-302 of this subtitle.
MD. Insurance Code Ann. §  15-304 (2021)
2021 Maryland Statutes|Insurance|Title 15 - Health Insurance|Subtitle 3 - Group and Blanket Health Insurance Policy Forms and Provisions|Section 15-304 - Group Health Insurance -- Direct Payment of Hospital or Medical Services

    (a)    Except as provided in §§ 14–205.2 and 14–205.3 of this article, and subject to subsection (b) of this section, on request of the policyholder, a policy of group health insurance may contain a provision that all or part of the benefits provided by the policy for hospital, nursing, medical, or surgical services, at the insurer’s option, may be paid directly to the hospital or person that provides the services.    (b)    A policy of group health insurance may not require that hospital, nursing, medical, or surgical services be provided by a particular hospital or person.    (c)    A direct payment made under subsection (a) of this section discharges the insurer’s obligation with respect to the amount paid.
MD. Insurance Code Ann. §  15-305 (2021)
2021 Maryland Statutes|Insurance|Title 15 - Health Insurance|Subtitle 3 - Group and Blanket Health Insurance Policy Forms and Provisions|Section 15-305 - Blanket Health Insurance -- in General

    (a)    (1)    Blanket health insurance is health insurance issued to or in the name of persons specified in this section to cover the groups of individuals described in this section.        (2)    The person to which or in the name of which a policy or contract is issued is deemed the policyholder.    (b)    A policy or contract of blanket health insurance may be issued to a common carrier or an operator, owner, or lessee of a means of transportation, to cover all individuals or all individuals of a class who may become passengers on the common carrier or means of transportation.    (c)    A policy or contract of blanket health insurance may be issued to an employer, to cover all employees, dependents, or guests who are defined by reference to specific hazards that are incident to the activities or operations of the employer or a class of employees, dependents, or guests similarly defined.    (d)    A policy or contract of blanket health insurance may be issued to a school or other institution of learning, a camp or its sponsor, or the head or principal of a school, other institution of learning, or camp, to cover students, campers, supervisors, or employees.    (e)    A policy or contract of blanket health insurance may be issued in the name of a religious, charitable, recreational, educational, or civic organization, to cover participants in activities sponsored by the organization.    (f)    A policy or contract of blanket health insurance may be issued to a sports team or its sponsors, to cover members, officials, and supervisors.    (g)    A policy or contract of blanket health insurance may be issued in the name of a volunteer fire department, first aid group, other similar volunteer group, or agency with jurisdiction over a volunteer fire department, first aid group, or other similar volunteer group, to cover all members of the volunteer fire department or similar volunteer group.    (h)    A policy or contract of blanket health insurance may be issued to cover any other risk, class of risks, or both that, in the discretion of the Commissioner, may be eligible for blanket health insurance.
MD. Insurance Code Ann. §  15-306 (2021)
2021 Maryland Statutes|Insurance|Title 15 - Health Insurance|Subtitle 3 - Group and Blanket Health Insurance Policy Forms and Provisions|Section 15-306 - Blanket Health Insurance -- Authority to Issue; Filing Policy Form Required

    (a)    An insurer that is authorized to issue policies of health insurance in the State may issue blanket health insurance.    (b)    A policy of blanket health insurance may not be issued or delivered in the State unless a copy of the form for the policy is filed with the Commissioner in accordance with § 12-203 of this article.
MD. Insurance Code Ann. §  15-308 (2021)
2021 Maryland Statutes|Insurance|Title 15 - Health Insurance|Subtitle 3 - Group and Blanket Health Insurance Policy Forms and Provisions|Section 15-308 - Blanket Health Insurance -- Individual Applications and Certificates

    (a)    An individual who is covered under a policy or contract of blanket health insurance may not be required to complete an individual application.    (b)    An insurer need not provide a certificate to each individual covered under a policy of blanket health insurance.
MD. Insurance Code Ann. §  15-309 (2021)
2021 Maryland Statutes|Insurance|Title 15 - Health Insurance|Subtitle 3 - Group and Blanket Health Insurance Policy Forms and Provisions|Section 15-309 - Blanket Health Insurance -- Payment of Benefits

    (a)    Except as provided in subsections (b) through (d) of this section, benefits under a policy of blanket health insurance are payable to the insured, beneficiaries designated by the insured, or estate of the insured.    (b)    If the insured is under the age of 18 years or is mentally incompetent, benefits under a policy of blanket health insurance may be made payable to the insured’s parents, guardian, or other person who supports the insured.    (c)    If the employer has paid the entire cost of a policy of blanket health insurance, benefits under the policy may be made payable to the employer.    (d)    (1)    Subject to paragraph (2) of this subsection, a policy of blanket health insurance may contain a provision that all or part of the benefits provided by the policy for hospital, nursing, medical, or surgical services, at the insurer’s option, may be paid directly to the hospital or person that provides the services.        (2)    A policy of blanket health insurance may not require that hospital, nursing, medical, or surgical services be provided by a particular hospital or person.        (3)    A direct payment made under paragraph (1) of this subsection discharges the insurer’s obligation with respect to the amount paid.
MD. Insurance Code Ann. §  15-310 (2021)
2021 Maryland Statutes|Insurance|Title 15 - Health Insurance|Subtitle 3 - Group and Blanket Health Insurance Policy Forms and Provisions|Section 15-310 - Solicitation of Coverage Under Policy Issued in Other Jurisdiction

    A person may not solicit coverage in the State under a policy of group health insurance or blanket health insurance issued in another jurisdiction without the prior written approval of the Commissioner, unless the type of group to be covered conforms substantially to one of the groups described in § 15-302 or § 15-305 of this subtitle.
MD. Insurance Code Ann. §  15-402 (2021)
2021 Maryland Statutes|Insurance|Title 15 - Health Insurance|Subtitle 4 - Eligibility for Coverage; Continuation and Conversion of Policies|Section 15-402 - Coverage for Unmarried Dependent Incapacitated Children, Grandchildren, and Individuals Under Guardianship

    (a)    This section applies to:        (1)    each individual or group health insurance policy that is issued in the State; and        (2)    each contract that is issued in the State by a nonprofit health service plan or a health maintenance organization.    (b)    (1)    Notwithstanding any limiting age stated in a policy or contract subject to this section, a child, grandchild, or individual for whom guardianship is granted by court or testamentary appointment shall continue to be covered under the policy or contract as a dependent of an employee, member, or other covered individual if the child, grandchild, or individual under guardianship:            (i)    is unmarried;            (ii)    is chiefly dependent for support on the employee, member, or other covered individual; and            (iii)    at the time of reaching the limiting age, is incapable of self–support because of mental or physical incapacity that started before the child, grandchild, or individual under guardianship attained the limiting age.        (2)    A child, grandchild, or individual under guardianship who is covered under this section shall continue to be covered while remaining unmarried, dependent, and mentally or physically incapacitated until the coverage on the employee, member, or other covered individual on whom the child, grandchild, or individual under guardianship is dependent terminates.    (c)    To be eligible for coverage under this section:        (1)    a grandchild must be a dependent, and in the court–ordered custody, of the employee, member, or other covered individual; and        (2)    an individual must be a dependent and in the custody of the employee, member, or other covered individual as a result of a guardianship, other than a temporary guardianship of less than 12 months duration, granted by court or testamentary appointment.
MD. Insurance Code Ann. §  15-403 (2021)
2021 Maryland Statutes|Insurance|Title 15 - Health Insurance|Subtitle 4 - Eligibility for Coverage; Continuation and Conversion of Policies|Section 15-403 - Coverage for Grandchildren

    (a)    This section applies to:        (1)    each individual health insurance policy that:            (i)    provides coverage on an expense–incurred basis; and            (ii)    provides coverage for a family member of the insured;        (2)    each group health insurance policy that:            (i)    provides coverage on an expense–incurred basis for employees of an employer or employers or members of a union or unions; and            (ii)    provides coverage for a family member of a covered employee or member;        (3)    each individual service or indemnity contract that:            (i)    is issued by a nonprofit health service plan; and            (ii)    provides coverage for a family member of the subscriber;        (4)    each individual contract that:            (i)    is issued by a health maintenance organization; and            (ii)    provides coverage for a family member of the subscriber; and        (5)    each group contract that:            (i)    is issued by a health maintenance organization;            (ii)    provides coverage for employees of an employer or employers or members of a union or unions; and            (iii)    provides coverage for a family member of the covered employee or member.    (b)    Each policy or contract subject to this section shall provide that the same health insurance benefits and eligibility guidelines that apply to any covered dependent are available, on request of the insured, subscriber, employee, or member, to a grandchild who:        (1)    is unmarried;        (2)    is in the court–ordered custody of the insured, subscriber, employee, or member;        (3)    resides with the insured, subscriber, employee, or member;        (4)    is the dependent of the insured, subscriber, employee, or member; and        (5)    has not attained the limiting age under the terms of the policy or contract.    (c)    On request, an insurer that issues an individual or group health insurance policy that provides coverage on an expense–incurred basis, a nonprofit health service plan, or a health maintenance organization shall offer family members’ coverage to an insured or subscriber regardless of the marital status of the insured or subscriber.    (d)    (1)    An insurer, nonprofit health service plan, or health maintenance organization may require proof that the insured or subscriber is the grandparent of the grandchild.        (2)    If the insurer, nonprofit health service plan, or health maintenance organization requires proof under this subsection, the insurer, nonprofit health service plan, or health maintenance organization shall pay the cost of the proof.
MD. Insurance Code Ann. §  15-403.1 (2021)
2021 Maryland Statutes|Insurance|Title 15 - Health Insurance|Subtitle 4 - Eligibility for Coverage; Continuation and Conversion of Policies|Section 15-403.1 - Coverage for Individuals Under Guardianship

    (a)    This section applies to:        (1)    each individual health insurance policy that:            (i)    provides coverage on an expense–incurred basis; and            (ii)    provides coverage for a family member of the insured;        (2)    each group health insurance policy that:            (i)    provides coverage on an expense–incurred basis for employees of an employer or employers or members of a union or unions; and            (ii)    provides coverage for a family member of a covered employee or member;        (3)    each individual service or indemnity contract that:            (i)    is issued by a nonprofit health service plan; and            (ii)    provides coverage for a family member of the subscriber;        (4)    each individual contract that:            (i)    is issued by a health maintenance organization; and            (ii)    provides coverage for a family member of the subscriber; and        (5)    each group contract that:            (i)    is issued by a health maintenance organization;            (ii)    provides coverage for employees of an employer or employers or members of a union or unions; and            (iii)    provides coverage for a family member of the covered employee or member.    (b)    Each policy or contract subject to this section shall provide that the same health insurance benefits and eligibility guidelines that apply to any covered dependent are available, on request of the insured, subscriber, employee, or member, to an individual who:        (1)    is unmarried;        (2)    is under testamentary or court appointed guardianship, other than temporary guardianship of less than 12 months duration, of the insured, subscriber, employee, or member;        (3)    resides with the insured, subscriber, employee, or member;        (4)    is the dependent of the insured, subscriber, employee, or member; and        (5)    has not attained the limiting age under the terms of the policy or contract.    (c)    On request, an insurer that issues an individual or group health insurance policy that provides coverage on an expense–incurred basis, a nonprofit health service plan, or a health maintenance organization shall offer family members’ coverage to an insured or subscriber regardless of the marital status of the insured or subscriber.    (d)    (1)    An insurer, nonprofit health service plan, or health maintenance organization may require proof that the insured or subscriber is a guardian under court or testamentary appointment.        (2)    If the insurer, nonprofit health service plan, or health maintenance organization requires proof under this subsection, the insurer, nonprofit health service plan, or health maintenance organization shall pay the cost of the proof.
MD. Insurance Code Ann. §  15-403.2 (2021)
2021 Maryland Statutes|Insurance|Title 15 - Health Insurance|Subtitle 4 - Eligibility for Coverage; Continuation and Conversion of Policies|Section 15-403.2 - Coverage for Child Dependent of Domestic Partner

    (a)    In this section, “child dependent of the domestic partner” means an  individual who:        (1)    is:            (i)    the natural child, stepchild, adopted  child, or grandchild of the domestic partner of an insured;            (ii)    a child placed with the domestic partner  of an insured for legal adoption; or            (iii)    a child who is under testamentary or  court appointed guardianship, other than temporary guardianship  of less than 12 months’ duration, of the domestic partner of an  insured;        (2)    is a dependent, as that term is used in 26 U.S.C.  §§ 104, 105, and 106, and any regulations adopted under those  sections, of the domestic partner of an insured;        (3)    resides with the insured;        (4)    is unmarried; and        (5)    is under the age of 25 years.    (b)    This section applies to each individual or group policy or  contract that:        (1)    allows family coverage; and        (2)    is issued by:            (i)    an insurer or nonprofit health service plan  that provides inpatient hospital, medical, or surgical benefits to  individuals or groups on an expense–incurred basis under health  insurance policies or contracts that are issued or delivered in the  State; or            (ii)    a health maintenance organization that  provides inpatient hospital, medical, or surgical benefits to  individuals or groups under contracts that are issued or delivered  in the State.    (c)    Each policy or contract subject to this section shall provide that the same health insurance benefits and eligibility guidelines that apply to any covered dependent are available to a domestic partner of an insured or a child dependent of the domestic partner of an insured at the request of:        (1)    an insured under an individual policy or contract  that is subject to this section; or        (2)    the group policyholder of a group policy or contract that is subject to this section.    (d)    An insurer, nonprofit health service plan, or health maintenance organization may require a group policyholder that requests coverage for a domestic partner or child dependent of the domestic partner of an insured under subsection (c)(2) of this section to provide proof of the eligibility of the domestic partner or child dependent of the domestic partner for coverage under this section.    (e)    The Commissioner shall adopt regulations to implement this section.
MD. Insurance Code Ann. §  15-404 (2021)
2021 Maryland Statutes|Insurance|Title 15 - Health Insurance|Subtitle 4 - Eligibility for Coverage; Continuation and Conversion of Policies|Section 15-404 - Addition of Children After Death of Spouse

    (a)    This section applies to:        (1)    each group or blanket health insurance policy that is issued or delivered in the State and provides coverage on an expense-incurred basis; and        (2)    each group medical or major medical contract or certificate that is issued or delivered in the State by a nonprofit health service plan.    (b)    Each policy, contract, or certificate subject to this section shall provide a benefit that allows the addition of a certificate holder’s or subscriber’s dependent children to the certificate holder’s or subscriber’s policy or contract at any time and without evidence of insurability if:        (1)    the dependent children previously were covered under the policy or contract of the certificate holder’s or subscriber’s spouse; and        (2)    the certificate holder’s or subscriber’s spouse has died.    (c)    This section applies regardless of whether a certificate holder’s or subscriber’s dependent children are eligible for any continuation or conversion privileges under the policy or contract of the certificate holder’s or subscriber’s spouse.    (d)    Within 6 months after the death of the spouse, the certificate holder or subscriber must exercise the benefit provided under this section.