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§ 15-508.1. Attachment of exclusionary rider prohibited without consent

West's Annotated Code of MarylandInsuranceEffective: June 1, 2016

West's Annotated Code of Maryland
Insurance (Refs & Annos)
Title 15. Health Insurance
Subtitle 5. Prohibited Denials, Exclusions, and Reductions of Coverage (Refs & Annos)
Effective: June 1, 2016
MD Code, Insurance, § 15-508.1
§ 15-508.1. Attachment of exclusionary rider prohibited without consent
Currentness
Definitions
(a)(1) In this section the following words have the meanings indicated.
(2) “Carrier” means an insurer or a nonprofit health service plan.
(3) “Exclusionary rider” means an endorsement to an individual health benefit plan that excludes benefits for one or more named conditions that are discovered by a carrier during the underwriting process.
(4) “Health benefit plan” has the meaning stated in § 15-1301 of this title.
(5) “Individual health benefit plan” means a health benefit plan issued by a carrier that insures:
(i) only one individual; or
(ii) one individual and one or more family members of the individual.
Application of section
(b) This section applies to individual health benefit plans that are issued or delivered in the State before March 23, 2010.
Attachment of exclusionary rider prohibited without consent
(c) A carrier may not attach an exclusionary rider to an individual health benefit plan unless the carrier obtains the prior written consent of the policyholder.
Exclusion or limitation for conditions not discovered during underwriting process
(d) A carrier may impose a preexisting condition exclusion or limitation on an individual for a condition that was not discovered during the underwriting process for an individual health benefit plan only if the exclusion or limitation:
(1) relates to a condition of the individual, regardless of its cause, for which medical advice, diagnosis, care, or treatment was recommended or received within the 12-month period immediately preceding the effective date of the individual's coverage; and
(2) extends for a period of not more than 12 months after the effective date of the individual's coverage.

Credits

Added by Acts 2009, c. 509, § 1, eff. Oct. 1, 2009; Acts 2009, c. 653, § 1, eff. Oct. 1, 2009. Amended by Acts 2013, c. 368, § 2, eff. Jan. 1, 2014; Acts 2016, c. 122, § 1, eff. June 1, 2016.
MD Code, Insurance, § 15-508.1, MD INSURANCE § 15-508.1
Current through legislation effective through April 9, 2023, from the 2024 Regular Session of the General Assembly. Some statute sections may be more current, see credits for details.
End of Document