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<section article="gin" article_name="Insurance" number="15-10B-01" title_number="15" title_name="Health Insurance" subtitle_number="10B" subtitle_name="Private Review Agents">
  <level label="a">
    <text>In this subtitle the following words have the meanings indicated.</text>
  </level>
  <level label="b">
    <level label="1">
      <text>“Adverse decision” means a utilization review determination made by a private review agent that a proposed or delivered health care service:</text>
      <level label="i">
        <text>is or was not medically necessary, appropriate, or efficient; and</text>
      </level>
      <level label="ii">
        <text>may result in noncoverage of the health care service.</text>
      </level>
    </level>
    <level label="2">
      <text>“Adverse decision” includes a utilization review determination based on a prior authorization or step therapy requirement.</text>
    </level>
    <level label="3">
      <text>“Adverse decision” does not include a decision concerning a subscriber’s status as a member.</text>
    </level>
  </level>
  <level label="c">
    <text>“Certificate” means a certificate of registration granted by the Commissioner to a private review agent.</text>
  </level>
  <level label="d">
    <level label="1">
      <text>“Employee assistance program” means a health care service plan that, in accordance with a contract with an employer or labor union:</text>
      <level label="i">
        <text>consults with employees or members of an employee’s family or both to:</text>
        <level label="1">
          <text>identify the employee’s or the employee’s family member’s mental health, alcohol, or substance abuse problems; and</text>
        </level>
        <level label="2">
          <text>refer the employee or the employee’s family member to health care providers or other community resources for counseling, therapy, or treatment; and</text>
        </level>
      </level>
      <level label="ii">
        <text>performs utilization review for the purpose of making claims or payment decisions on behalf of the employer’s or labor union’s health insurance or health benefit plan.</text>
      </level>
    </level>
    <level label="2">
      <text>“Employee assistance program” does not include a health care service plan operated by a hospital solely for employees, or members of an employee’s family, of that hospital.</text>
    </level>
  </level>
  <level label="e">
    <level label="1">
      <text>“Grievance” means a protest filed by a patient or a health care provider on behalf of a patient with a private review agent through the private review agent’s internal grievance process regarding an adverse decision concerning a patient.</text>
    </level>
    <level label="2">
      <text>“Grievance” does not include a verbal request for reconsideration of a utilization review determination.</text>
    </level>
  </level>
  <level label="f">
    <text>“Grievance decision” means a final determination by a private review agent that arises from a grievance filed with the private review agent under its internal grievance process regarding an adverse decision concerning a patient.</text>
  </level>
  <level label="g">
    <text>“Health care facility” means:</text>
    <level label="1">
      <text>a hospital as defined in § 19–301 of the Health – General Article;</text>
    </level>
    <level label="2">
      <text>a related institution as defined in § 19–301 of the Health – General Article;</text>
    </level>
    <level label="3">
      <text>an ambulatory surgical facility or center which is any entity or part thereof that operates primarily for the purpose of providing surgical services to patients not requiring hospitalization and seeks reimbursement from third party payors as an ambulatory surgical facility or center;</text>
    </level>
    <level label="4">
      <text>a facility that is organized primarily to help in the rehabilitation of disabled individuals;</text>
    </level>
    <level label="5">
      <text>a home health agency as defined in § 19–401 of the Health – General Article;</text>
    </level>
    <level label="6">
      <text>a hospice as defined in § 19–901 of the Health – General Article;</text>
    </level>
    <level label="7">
      <text>a facility that provides radiological or other diagnostic imagery services;</text>
    </level>
    <level label="8">
      <text>a medical laboratory as defined in § 17–201 of the Health – General Article; or</text>
    </level>
    <level label="9">
      <text>an alcohol abuse and drug abuse treatment program as defined in § 8–403 of the Health – General Article.</text>
    </level>
  </level>
  <level label="h">
    <text>“Health care provider” means:</text>
    <level label="1">
      <text>an individual who:</text>
      <level label="i">
        <text>is licensed or otherwise authorized to provide health care services in the ordinary course of business or practice of a profession; and</text>
      </level>
      <level label="ii">
        <text>is a treating provider of a patient; or</text>
      </level>
    </level>
    <level label="2">
      <text>a hospital, as defined in § 19–301 of the Health – General Article.</text>
    </level>
  </level>
  <level label="i">
    <text>“Health care service” means a health or medical care procedure or service rendered by a health care provider licensed or authorized to provide health care services that:</text>
    <level label="1">
      <text>provides testing, diagnosis, or treatment of a human disease or dysfunction;</text>
    </level>
    <level label="2">
      <text>dispenses drugs, medical devices, medical appliances, or medical goods for the treatment of a human disease or dysfunction; or</text>
    </level>
    <level label="3">
      <text>provides any other care, service, or treatment of disease or injury, the correction of defects, or the maintenance of the physical and mental well–being of human beings.</text>
    </level>
  </level>
  <level label="j">
    <text>“Health care service reviewer” means an individual who is licensed or otherwise authorized to provide health care services in the ordinary course of business or practice of a profession.</text>
  </level>
  <level label="k">
    <text>“Private review agent” means:</text>
    <level label="1">
      <text>a nonhospital–affiliated person or entity performing utilization review that is either affiliated with, under contract with, or acting on behalf of:</text>
      <level label="i">
        <text>a Maryland business entity; or</text>
      </level>
      <level label="ii">
        <text>a third party that pays for, provides, or administers health care services to citizens of this State; or</text>
      </level>
    </level>
    <level label="2">
      <text>any person or entity including a hospital–affiliated person performing utilization review for the purpose of making claims or payment decisions for health care services on behalf of the employer’s or labor union’s health insurance plan under an employee assistance program for employees other than the employees employed by:</text>
      <level label="i">
        <text>the hospital; or</text>
      </level>
      <level label="ii">
        <text>a business wholly owned by the hospital.</text>
      </level>
    </level>
  </level>
  <level label="l">
    <text>“Significant beneficial interest” means the ownership of any financial interest that is greater than the lesser of:</text>
    <level label="1">
      <text>5 percent of the whole; or</text>
    </level>
    <level label="2">
      <text>$5,000.</text>
    </level>
  </level>
  <level label="m">
    <text>“Utilization review” means a system for reviewing the appropriate and efficient allocation of health care resources and services given or proposed to be given to a patient or group of patients.</text>
  </level>
  <level label="n">
    <text>“Utilization review plan” means a description of the standards governing utilization review activities performed by a private review agent.</text>
  </level>
</section>
