<?xml version='1.0' encoding='utf-8'?>
<section article="gin" article_name="Insurance" number="15-10A-09" title_number="15" title_name="Health Insurance" subtitle_number="10A" subtitle_name="Complaint Process for Adverse Decisions or Grievances">
  <level label="a">
    <text>The Commissioner shall adopt regulations to carry out this subtitle.</text>
  </level>
  <level label="b">
    <text>In addition to the requirements of subsection (a) of this section, the Commissioner shall adopt by regulation a requirement that each carrier provide a mechanism in a form and manner that the Commissioner may require to enable a member to:</text>
    <level label="1">
      <text>be informed of the member’s right to challenge a decision made by a carrier that resulted in the nonpayment of a health care service; and</text>
    </level>
    <level label="2">
      <text>access the Consumer Education and Advocacy Program in the Administration.</text>
    </level>
  </level>
</section>
