# Insurance (GIN)

## Title 15. Health Insurance

### Subtitle 10D. Complaint Process for Coverage Decisions

#### Section 15-10D-03

(a) It is a violation of this subtitle for a carrier to fail to fulfill the carrier's obligations to provide or reimburse for health care services specified in the carrier's policies or contracts with members.

(b) If, in rendering a coverage decision or appeal decision, a carrier fails to fulfill the carrier's policies or contracts with members, the Commissioner may:

  (1) issue an administrative order that requires the carrier to:

    (i) cease inappropriate conduct or practices by the carrier or any of the personnel employed or associated with the carrier;

    (ii) fulfill the carrier's contractual obligations;

    (iii) provide a health care service or payment that has been denied improperly; or

    (iv) take appropriate steps to restore the carrier's ability to provide a health care service or payment that is provided under a contract; or

  (2) impose any penalty or fine or take any action as authorized:

    (i) for an insurer, nonprofit health service plan, or dental plan organization, under this article; or

    (ii) for a health maintenance organization, under the Health - General Article or under this article.

---

Md. Code Ann., Ins. (as displayed at mgaleg.maryland.gov, October 16, 2026)