Maryland Code, INSURANCE 11-601
Terms Used In Maryland Code, INSURANCE 11-601
- Contract: A legal written agreement that becomes binding when signed.
- including: means includes or including by way of illustration and not by way of limitation. See
- Person: includes an individual, receiver, trustee, guardian, personal representative, fiduciary, representative of any kind, corporation, partnership, business trust, statutory trust, limited liability company, firm, association, or other nongovernmental entity. See
- state: means :
(1) a state, possession, territory, or commonwealth of the United States; or
(2) the District of Columbia. See
(b) “Carrier” means a person that:
(1) offers a health benefit plan in the State; and
(2) is:
(i) an insurer;
(ii) a nonprofit health service plan; or
(iii) a health maintenance organization.
(c) “Contract holder” means a person to which a carrier has issued a health benefit plan.
(d) (1) “Health benefit plan” means:
(i) a health insurance contract, a nonprofit health service plan contract, or a health maintenance organization contract that includes benefits for medical care; or
(ii) a certificate of health insurance issued or delivered to a Maryland resident under a contract issued to an association located in the State or any other state.
(2) “Health benefit plan” does not include:
(i) one or more, or any combination of the following:
1. coverage only for accident or disability income insurance;
2. coverage issued as a supplement to liability insurance;
3. liability insurance, including general liability insurance and automobile liability insurance;
4. workers’ compensation or similar insurance;
5. automobile medical payment insurance;
6. credit-only insurance;
7. coverage for on-site medical clinics; and
8. other similar insurance coverage, as specified in federal regulations issued pursuant to P.L. 104-191, under which benefits for medical care are secondary or incidental to other insurance benefits;
(ii) the following benefits if they are provided under a separate policy, certificate, or contract of insurance or are otherwise not an integral part of a health benefit plan:
1. limited scope dental or vision benefits;
2. benefits for long-term care, nursing home care, home health care, community-based care, or any combination of these benefits; and
3. other similar limited benefits as specified in federal regulations issued pursuant to P.L. 104-191;
(iii) the following benefits if offered as independent, noncoordinated benefits:
1. coverage only for a specified disease or illness; and
2. hospital indemnity or other fixed indemnity insurance; or
(iv) the following benefits if offered as a separate policy, certificate, or contract of insurance:
1. Medicare supplemental health insurance, as defined in § 1882(g)(1) of the Social Security Act;
2. coverage supplemental to the coverage provided under Chapter 55 of Title 10, United States Code; and
3. similar supplemental coverage provided to coverage under an employer sponsored plan.
(e) “Medical care” means:
(1) items or services for the diagnosis, cure, mitigation, treatment, or prevention of a disease, injury, or condition affecting any structure or function of the body; and
(2) transportation primarily for and essential to medical care described in item (1) of this subsection.