reglab/housing_qa huggingface dataset:
RI Gen L § 27-18-24 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-24 - Immunity of benefits from process.

§ 27-18-24. Immunity of benefits from process.The proceeds, avails, and benefits to be paid by virtue of any policy of accident and sickness insurance shall not be liable to attachment, garnishment, or other process, or be seized, taken, appropriated, or applied by any legal or equitable process or operation of law to pay any debt or liability of the owner, insured, beneficiary, or any person who may have any right under the policy; provided, that, subject to any statute of limitations, the amount of any premiums for the insurance paid with the intent to defraud creditors, with interest on that amount, shall inure to their benefit from the proceeds of the policy, but the company issuing the policy shall be discharged of all liability on it by payment of its proceeds in accordance with its terms unless, before the payment, the company shall have written notice by or on behalf of a creditor of a claim to recover for premiums paid with intent to defraud creditors with specifications of the amounts claimed.History of Section.P.L. 1962, ch. 179, § 1.
RI Gen L § 27-18-25 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-25 - Unfair discrimination prohibited.

§ 27-18-25. Unfair discrimination prohibited.Notwithstanding any provision of any policy of insurance, certificate, or service contract issued in this state, whenever the insurance policy, certificate, or service contract provides for reimbursement for any services that may be legally performed by any person licensed under the provisions of chapters 29, 30, 35 and 37 of title 5, reimbursement under the insurance policy, certificate, or service contract shall be based upon a determination of medical necessity and shall not be denied because of race, color, or creed, nor shall any insurer make or permit any unfair discrimination against particular individuals or persons licensed under chapters 29, 30, 35 and 37 of title 5.History of Section.P.L. 1968, ch. 98, § 1; P.L. 1989, ch. 542, § 79; P.L. 1991, ch. 62, § 1; P.L. 1992, ch. 452, § 1; P.L. 2002, ch. 292, § 33; P.L. 2017, ch. 165, § 1; P.L. 2017, ch. 314, § 1.
RI Gen L § 27-18-26 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-26 - Physical examinations by insurance company.

§ 27-18-26. Physical examinations by insurance company.Any applicant for accident and/or sickness insurance with any company organized or doing business within this state shall be provided, upon request, any and all medical reports by a physician or other medical personnel which were performed at the request or direction of the company. The reports shall only be provided to a physician of the applicant's choice whether the applicant receives a rating or rejection from a company, and the provisions of this section shall also apply to medical examinations performed pursuant to applications for an increase in insurance coverage.History of Section.P.L. 1981, ch. 412, § 2.
RI Gen L § 27-18-27 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-27 - Adoptive children.

§ 27-18-27. Adoptive children.Subscribers to any accident and sickness insurance plan who have satisfied the continuous membership requirement of the plan and who adopt children under the guardianship and custody of the director of the department of children, youth, and families shall be afforded coverage under the plan for an adopted child without any waiting period, notwithstanding the fact that the adopted child may have any preexisting medical condition.History of Section.P.L. 1982, ch. 183, § 3.
RI Gen L § 27-18-28 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-28 - [Repealed.]

§ 27-18-28. [Repealed.]History of Section.P.L. 1983, ch. 212, § 1; Repealed by P.L. 2019, ch. 27, § 7, effective June 19, 2019.
RI Gen L § 27-18-29 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-29 - Changing coverage.

§ 27-18-29. Changing coverage.No group health insurer subject to the provisions of this chapter shall change contract provisions as specified in the group plan master contract during the term of that contract without prior written agreement of the employer, except for changes mandated under state or federal legislative enactment and changes resulting from a labor management collective bargaining agreement, or changes necessary to meet insurance regulations promulgated by the department of business regulation.History of Section.P.L 1988, ch. 384, § 1.
RI Gen L § 27-18-30 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-30 - Health insurance contracts - Infertility.

§ 27-18-30. Health insurance contracts — Infertility.(a) Any health insurance contract, plan, or policy delivered or issued for delivery or renewed in this state, except contracts providing supplemental coverage to Medicare or other governmental programs, that includes pregnancy-related benefits, shall provide coverage for medically necessary expenses of diagnosis and treatment of infertility for women between the ages of twenty-five (25) and forty-two (42) years and for standard fertility-preservation services when a medically necessary medical treatment may directly or indirectly cause iatrogenic infertility to a covered person. To the extent that a health insurance contract provides reimbursement for a test or procedure used in the diagnosis or treatment of conditions other than infertility, the tests and procedures shall not be excluded from reimbursement when provided attendant to the diagnosis and treatment of infertility for women between the ages of twenty-five (25) and forty-two (42) years; provided, that a subscriber co-payment not to exceed twenty percent (20%) may be required for those programs and/or procedures the sole purpose of which is the treatment of infertility.(b) For purposes of this section, "infertility" means the condition of an otherwise presumably healthy individual who is unable to conceive or sustain a pregnancy during a period of one year.(c) For purposes of this section, "standard fertility-preservation services" means procedures consistent with established medical practices and professional guidelines published by the American Society for Reproductive Medicine, the American Society of Clinical Oncology, or other reputable professional medical organizations.(d) For purposes of this section, "iatrogenic infertility" means an impairment of fertility by surgery, radiation, chemotherapy, or other medical treatment affecting reproductive organs or processes.(e) For purposes of this section, "may directly or indirectly cause" means treatment with a likely side effect of infertility as established by the American Society for Reproductive Medicine, the American Society of Clinical Oncology, or other reputable professional organizations.(f) Notwithstanding the provisions of § 27-18-19 or any other provision to the contrary, this section shall apply to blanket or group policies of insurance.(g) The health insurance contract may limit coverage to a lifetime cap of one hundred thousand dollars ($100,000).History of Section.P.L. 1989, ch. 478, § 1; P.L. 1991, ch. 96, § 1; P.L. 2002, ch. 292, § 33; P.L. 2006, ch. 246, art. 34, § 1; P.L. 2007, ch. 411, § 1; P.L. 2017, ch. 132, § 1; P.L. 2017, ch. 150, § 1.
RI Gen L § 27-18-31 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-31 - Insurance coverage for services of licensed midwives.

§ 27-18-31. Insurance coverage for services of licensed midwives.(a) For the purposes of this section, "licensed midwives" means any midwife licensed under § 23-13-9.(b) Every individual or group hospital or medical expense insurance policy or individual or group hospital or medical services plan contract delivered, issued for delivery, or renewed in this state shall provide coverage for the services of licensed midwives in accordance with each health insurers' respective principles and mechanisms of reimbursement credentialing and contracting if the services are within the licensed midwives' area of professional competence as defined by regulations promulgated pursuant to § 23-13-9, and are currently reimbursed when rendered by any other licensed health care provider. No insurer or hospital or medical service corporation may require supervision, signature, or referral by any other health care provider as a condition of reimbursement, except when those requirements are also applicable to other categories of health care providers. No insurer or hospital or medical service corporation or patient may be required to pay for duplicate services actually rendered by both a licensed midwife and any other health care provider. Direct payment for licensed midwives will be contingent upon services rendered in a licensed health care facility and for services rendered in accordance with rules and regulations promulgated by the department of health; provided, that this provision shall not prohibit payment for services pursuant to § 42-62-26 or for other services reimbursed by third party payors.History of Section.P.L. 1990, ch. 168, § 1; P.L. 2002, ch. 292, § 33.
RI Gen L § 27-18-32 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-32 - Discontinuance of coverage - Chronic disabilities.

§ 27-18-32. Discontinuance of coverage — Chronic disabilities.Notwithstanding the provisions of § 27-18-19, no group health insurer shall discontinue reimbursement or providing services for covered health care services for chronic disabilities, unless the patient has exhausted benefits to which he or she is entitled under the basic subscriber agreement, or unless it is at the end of the open enrollment period provided notice of the discontinuation of the services is sent to subscribers who have been reimbursed for or utilized the services in the past three (3) years. The notice shall be mailed at least sixty (60) days prior to the beginning of the open enrollment period. For the purposes of this section, "chronic disability" means an impairment or illness that is likely to continue indefinitely.History of Section.P.L. 1991, ch. 127, § 1.
RI Gen L § 27-18-33 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-33 - Drug coverage.

§ 27-18-33. Drug coverage.No group health insurer subject to the provisions of this chapter that provides coverage for prescription drugs under a group plan master contract delivered, issued for delivery, or renewed in this state may require any person covered under the contract to obtain prescription drugs from a mail order pharmacy as a condition of obtaining benefits for the drugs.History of Section.P.L. 1991, ch. 345, § 1; P.L. 2002, ch. 292, § 33.
RI Gen L § 27-18-33.1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-33.1 - Insurance coverage for post-partum hospital stays.

§ 27-18-33.1. Insurance coverage for post-partum hospital stays.(a) Every individual or group hospital or medical services plan contract delivered, issued for delivery, as renewed in this state which provides maternity benefits shall provide coverage for a forty-eight (48) hour time period in a hospital after a vaginal birth and ninety-six (96) hours after a Cesarean section for a mother and her newly born child. Any decision to shorten this minimum coverage shall be made by the attending health care provider in consultation with the mother. The decision shall be made in accordance with the standards for guidelines for perinatal care published by the American College of Obstetrics and Gynecology and the American Academy of Pediatrics. The standards shall be relative to early discharge, defined as less than forty-eight (48) hours for a vaginal delivery and ninety-six (96) for a Cesarean delivery. In the case of early discharge, post-delivery care shall include: home visits, parent education, assistance and training in breast or bottle feeding and the performance of any necessary and appropriate clinical tests or any other tests or services consistent with these guidelines.(b) For the purposes of this section, "attending health care provider" includes the attending obstetrician, pediatrician, family practitioner, general practitioner or certified nurse midwife attending the mother and newly born child.(c) Any subscriber who is aggrieved by a denial of benefits to be provided under this section may appeal the denial in accordance with regulations of the department of health, which have been promulgated pursuant to chapter 17.12 of title 23. No policy or plan covered under this chapter shall terminate the services, reduce capitation payment, or penalize an attending physician or other health care provider who orders care consistent with the provisions of this section.History of Section.P.L. 1996, ch. 246, § 2; P.L. 1996, ch. 260, § 2; P.L. 2002, ch. 292, § 33.
RI Gen L § 27-18-35 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-35 - Certified counselors in mental health and therapists in marriage and family practice.

§ 27-18-35. Certified counselors in mental health and therapists in marriage and family practice.Every health insurance contract plan or policy delivered, issued for delivery or renewed in this state, except policies which only provide coverage for specified diseases, fix indemnity, Medicare supplement long term care disability income, or other limited benefit policies, shall provide coverage for the services of counselors in mental health licensed pursuant to § 5-63.2-9 and therapists in marriage and family practice licensed pursuant to § 5-63.2-10 excluding marital and family therapy unless the individual is diagnosed with a mental disorder.History of Section.P.L. 1994, ch. 89, § 1; P.L. 2002, ch. 292, § 33.
RI Gen L § 27-18-36 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-36 - Repealed.

§ 27-18-36. Repealed.History of Section.P.L. 1994, ch. 301, § 1; P.L. 1997, ch. 51, §§ 1, 5; P.L. 1997, ch. 92, §§ 1, 5; P.L. 2002, ch. 292, § 33; Repealed by P.L. 2012, ch. 256, § 14; P.L. 2012, ch. 262, § 14, effective July 15, 2013.
RI Gen L § 27-18-36.1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-36.1 - Repealed.

§ 27-18-36.1. Repealed.History of Section.P.L. 1994, ch. 301, § 1; Repealed by P.L. 2012, ch. 256, § 14; P.L. 2012, ch. 262, § 14, effective July 15, 2013.
RI Gen L § 27-18-36.2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-36.2 - Repealed.

§ 27-18-36.2. Repealed.History of Section.P.L. 1994, ch. 301, § 1; P.L. 1997, ch. 51, §§ 1, 5; P.L. 1997, ch. 92, §§ 1, 5; P.L. 1999, ch. 118, § 1; P.L. 1999, ch. 134, § 1; Repealed by P.L. 2012, ch. 256, § 14; P.L. 2012, ch. 262, § 14, effective July 15, 2013.
RI Gen L § 27-18-36.3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-36.3 - Repealed.

§ 27-18-36.3. Repealed.History of Section.P.L. 1994, ch. 301, § 1; Repealed by P.L. 2012, ch. 256, § 14; P.L. 2012, ch. 262, § 14, effective July 15, 2013.
RI Gen L § 27-18-37 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-37 - Repealed.

§ 27-18-37. Repealed.
RI Gen L § 27-18-38 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-38 - Diabetes treatment.

§ 27-18-38. Diabetes treatment.(a) Every individual or group health insurance contract, plan, or policy delivered, issued for delivery or renewed in this state which provides medical coverage that includes coverage for physician services in a physician's office, and every policy which provides major medical or similar comprehensive-type coverage, except for supplemental policies which only provide coverage for specified diseases and other supplemental policies, shall include coverage for the following equipment and supplies for the treatment of insulin treated diabetes, non-insulin treated diabetes, and gestational diabetes, if medically appropriate and prescribed by a physician: blood glucose monitors and blood glucose monitors for the legally blind, test strips for glucose monitors and/or visual reading, insulin, injection aids, cartridges for the legally blind, syringes, insulin pumps and appurtenances to the pumps, insulin infusion devices, and oral agents for controlling blood sugar and therapeutic/molded shoes for the prevention of amputation.(b) Upon the approval of new or improved diabetes equipment and supplies by the Food and Drug Administration, all policies governed by this section shall guarantee coverage of new diabetes equipment and supplies when medically appropriate and prescribed by a physician. These policies shall also include coverage, when medically necessary, for diabetes self-management education to ensure that persons with diabetes are instructed in the self-management and treatment of their diabetes, including information on the nutritional management of diabetes. The coverage for self-management education and education relating to medical nutrition therapy shall be limited to medically necessary visits upon the diagnosis of diabetes, where a physician diagnoses a significant change in the patient's symptoms or conditions which necessitate changes in a patient's self-management, or where reeducation or refresher training is necessary. This education when medically necessary and prescribed by a physician, may be provided only by the physician or, upon his or her referral to an appropriately licensed and certified health care provider and may be conducted in group settings. Coverage for self-management education and education relating to medical nutrition therapy shall also include home visits when medically necessary.(c) Benefit plans offered by an insurer may impose co-payment and/or deductibles for the benefits mandated by this chapter; however, in no instance shall the co-payment or deductible amount be greater than the co-payment or deductible amount imposed for other supplies, equipment or physician office visits. Benefits for services under this section shall be reimbursed in accordance with the respective principles and mechanisms of reimbursement for each insurer, hospital, or medical service corporation, or health maintenance organization.History of Section.P.L. 1996, ch. 106, § 1; P.L. 2002, ch. 292, § 33.
RI Gen L § 27-18-40 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-40 - Insurance coverage for mastectomy hospital stays.

§ 27-18-40. Insurance coverage for mastectomy hospital stays.(a) The Rhode Island general assembly recognizes that breast cancer is a unique illness with both a physical and emotional impact on patients. Except as otherwise provided, every individual or group hospital or medical services plan contract delivered, issued for delivery, as renewed in this state shall provide coverage for a minimum forty-eight (48) hour time period in a hospital after the surgical procedures known as a mastectomy, and a minimum twenty-four (24) hours after an axillary node dissection.(b) This section shall not apply to insurance coverage providing benefits for: (1) hospital confinement indemnity; (2) disability income; (3) accident only; (4) long term care; (5) Medicare supplement; (6) limited benefit health; (7) specified disease indemnity; (8) sickness or bodily injury or death by accident or both, and (9) other limited benefit policies. Any decision to shorten these minimum coverages shall be made by the attending physician in consultation with and upon agreement by the patient. If the patient participates in an early discharge, defined as in-patient care following a mastectomy that is less than forty-eight (48) hours and in-patient care following an axillary node dissection that is less than twenty-four (24) hours, coverage shall include a minimum of one home visit conducted by a physician or registered nurse.(c) Any subscriber who is aggrieved by a denial of benefits to be provided under this section may appeal the denial in accordance with regulations of the department of health, which have been promulgated pursuant to chapter 17.12 of title 23. No policy or plan covered under this chapter shall terminate the services, reduce capitation payment, or penalize an attending physician or other health care provider who orders care consistent with the provisions of this section.(d) All plans subject to this section shall provide notice to each enrollee:(1) In the next mass mailing made by the plan to the employee; or(2) As part of any informational packet sent to the enrollee.History of Section.P.L. 1997 ch. 24, § 1; P.L. 1997, ch. 25, § 1; P.L. 2002, ch. 292, § 33.
RI Gen L § 27-18-41 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-41 - Mammograms and pap smears - Coverage mandated.

§ 27-18-41. Mammograms and pap smears — Coverage mandated.(a) (1) Every individual or group hospital or medical expense insurance policy or individual or group hospital or medical services plan contract delivered, issued for delivery, or renewed in this state shall provide coverage for mammograms and pap smears, in accordance with guidelines established by the American Cancer Society.(2) Notwithstanding the provisions of this chapter, every individual or group hospital or medical insurance policy or individual or group hospital or medical services plan contract delivered, issued for delivery, or renewed in this state shall pay for two (2) screening mammograms per year when recommended by a physician for women who have been treated for breast cancer within the last five (5) years or are at high risk of developing breast cancer due to genetic predisposition (BRCA gene mutation or multiple first degree relatives) or high risk lesion on prior biopsy (lobular carcinoma in situ) or atypical ductal hyperplasia.(b) This section shall not apply to insurance coverage providing benefits for: (1) hospital confinement indemnity; (2) disability income; (3) accident only; (4) long term care; (5) Medicare supplement; (6) limited benefit health; (7) specified disease indemnity; (8) sickness or bodily injury or death by accident or both; and (9) other limited benefit policies.History of Section.P.L. 1997, ch. 76, § 1; P.L. 2002, ch. 292, § 33; P.L. 2005, ch. 405, § 1.
RI Gen L § 27-18-42 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-18 - Accident and Sickness Insurance Policies|Section 27-18-42 - Mammograms - Quality assurance standards.

§ 27-18-42. Mammograms — Quality assurance standards.A mammogram eligible for reimbursement under § 27-18-41 shall be reimbursed only if the facility in which the mammogram has been taken and processed, and the licensed physician interpreting the mammogram, both meet state approved quality assurance standards for taking, processing, and interpreting mammograms. The director of health shall have the authority to promulgate rules and regulations necessary to carry out the provisions of this section.History of Section.P.L. 1997, ch. 76, § 1.