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<section article="gin" article_name="Insurance" number="15-140" title_number="15" title_name="Health Insurance" subtitle_number="1" subtitle_name="General Provisions">
  <level label="a">
    <level label="1">
      <text>In this section the following words have the meanings indicated.</text>
    </level>
    <level label="2">
      <text>“Acute condition” means a medical or dental condition that:</text>
      <level label="i">
        <text>involves a sudden onset of symptoms due to an illness, an injury, or any other medical or dental problem that requires prompt medical attention; and</text>
      </level>
      <level label="ii">
        <text>has a limited duration.</text>
      </level>
    </level>
    <level label="3">
      <text>“Carrier” means:</text>
      <level label="i">
        <text>an insurer authorized to sell health insurance;</text>
      </level>
      <level label="ii">
        <text>a nonprofit health service plan;</text>
      </level>
      <level label="iii">
        <text>a health maintenance organization;</text>
      </level>
      <level label="iv">
        <text>a dental plan organization; or</text>
      </level>
      <level label="v">
        <text>any other entity providing a plan of health insurance, health benefits, or health services authorized under this article or the Affordable Care Act.</text>
      </level>
    </level>
    <level label="4">
      <text>“Enrollee” means:</text>
      <level label="i">
        <text>a person entitled to health care benefits from a carrier; or</text>
      </level>
      <level label="ii">
        <text>a Program recipient who is enrolled in a managed care organization.</text>
      </level>
    </level>
    <level label="5">
      <level label="i">
        <text>“Health benefit plan” means a policy, a contract, a certificate, or an agreement offered, issued, or delivered by a carrier to an individual or a group in the State to provide, deliver, arrange for, pay for, or reimburse any of the costs of health care services.</text>
      </level>
      <level label="ii">
        <text>“Health benefit plan” does not include:</text>
        <level label="1">
          <text>coverage only for accident or disability insurance or any combination of accident and disability insurance;</text>
        </level>
        <level label="2">
          <text>coverage issued as a supplement to liability insurance;</text>
        </level>
        <level label="3">
          <text>liability insurance, including general liability insurance and automobile liability insurance;</text>
        </level>
        <level label="4">
          <text>workers’ compensation or similar insurance;</text>
        </level>
        <level label="5">
          <text>automobile medical payment insurance;</text>
        </level>
        <level label="6">
          <text>credit–only insurance;</text>
        </level>
        <level label="7">
          <text>coverage for on–site medical clinics; or</text>
        </level>
        <level label="8">
          <text>other similar insurance coverage, specified in federal regulations issued pursuant to the federal Health Insurance Portability and Accountability Act, under which benefits for health care services are secondary or incidental to other insurance benefits.</text>
        </level>
      </level>
      <level label="iii">
        <text>“Health benefit plan” does not include the following benefits if they are provided under a separate policy, certificate, or contract of insurance, or are otherwise not an integral part of the plan:</text>
        <level label="1">
          <text>limited scope vision benefits;</text>
        </level>
        <level label="2">
          <text>benefits for long–term care, nursing home care, home health care, community–based care, or any combination of these benefits; or</text>
        </level>
        <level label="3">
          <text>such other similar limited benefits as are specified in federal regulations issued pursuant to the federal Health Insurance Portability and Accountability Act.</text>
        </level>
      </level>
      <level label="iv">
        <text>“Health benefit plan” does not include the following benefits if the benefits are provided under a separate policy, certificate, or contract of insurance, there is no coordination between the provision of the benefits and any exclusion of benefits under any group health plan maintained by the same plan sponsor, and the benefits are paid with respect to an event without regard to whether the benefits are provided under any group health plan maintained by the same plan sponsor:</text>
        <level label="1">
          <text>coverage only for a specified disease or illness; or</text>
        </level>
        <level label="2">
          <text>hospital indemnity or other fixed indemnity insurance.</text>
        </level>
      </level>
      <level label="v">
        <text>“Health benefit plan” does not include the following if offered as a separate policy, certificate, or contract of insurance:</text>
        <level label="1">
          <text>Medicare Supplemental Insurance (as defined under § 1882(g)(1) of the Social Security Act);</text>
        </level>
        <level label="2">
          <text>coverage supplemental to the coverage provided under Chapter 55 of Title 10, United States Code (Civilian Health and Medical Program of the Uniformed Services (CHAMPUS)); or</text>
        </level>
        <level label="3">
          <text>similar supplemental coverage provided to coverage under a group health plan.</text>
        </level>
      </level>
    </level>
    <level label="6">
      <level label="i">
        <text>“Health care provider” means:</text>
        <level label="1">
          <text>a health care practitioner or group of health care practitioners licensed, certified, or otherwise authorized to provide, in the ordinary course of business or practice of a profession, health care services covered in a health benefit plan, the Maryland Medical Assistance Program, or the Maryland Children’s Health Program; or</text>
        </level>
        <level label="2">
          <text>a facility where health care is provided to patients or recipients including:</text>
        </level>
        <level label="A">
          <text>a hospital, as defined in § 19–301 of the Health – General Article;</text>
        </level>
        <level label="B">
          <text>a related institution as defined in § 19–301 of the Health – General Article;</text>
        </level>
        <level label="C">
          <text>a freestanding ambulatory care facility as defined in § 19–3B–01 of the Health – General Article;</text>
        </level>
        <level label="D">
          <text>a facility that is organized primarily to help in the rehabilitation of persons with disabilities;</text>
        </level>
        <level label="E">
          <text>a home health agency as defined in § 19–901 of the Health – General Article;</text>
        </level>
        <level label="F">
          <text>a hospice as defined in § 19–901 of the Health – General Article;</text>
        </level>
        <level label="G">
          <text>a facility that provides radiological or other diagnostic imagery services;</text>
        </level>
        <level label="H">
          <text>a medical laboratory as defined in § 17–201 of the Health – General Article;</text>
        </level>
        <level label="I">
          <text>an alcohol abuse and drug abuse treatment program as defined in § 8–403 of the Health – General Article; and</text>
        </level>
        <level label="J">
          <text>a Federally Qualified Health Center.</text>
        </level>
      </level>
      <level label="ii">
        <text>“Health care provider” includes the agents, employees, officers, and directors of a health care provider described in subparagraph (i) of this paragraph.</text>
      </level>
    </level>
    <level label="7">
      <text>“Managed care organization” means:</text>
      <level label="i">
        <text>a certified health maintenance organization that is authorized to receive medical assistance prepaid capitation payments;</text>
      </level>
      <level label="ii">
        <text>a corporation that:</text>
        <level label="1">
          <text>is a managed care system that is authorized to receive medical assistance prepaid capitation payments;</text>
        </level>
        <level label="2">
          <text>enrolls only Program recipients or individuals or families served under the Maryland Children’s Health Program; and</text>
        </level>
        <level label="3">
          <text>is subject to the requirements of § 15–102.4 of the Health – General Article; or</text>
        </level>
      </level>
      <level label="iii">
        <text>a prepaid dental plan that receives fees to manage dental services.</text>
      </level>
    </level>
    <level label="8">
      <text>“Nonparticipating provider” means a health care provider who is not on the provider panel of a carrier or managed care organization.</text>
    </level>
    <level label="9">
      <text>“Participating provider” means a health care provider who is on the provider panel of a carrier or managed care organization.</text>
    </level>
    <level label="10">
      <text>“Prior authorization” means a utilization management technique that:</text>
      <level label="i">
        <text>is used by carriers and managed care organizations;</text>
      </level>
      <level label="ii">
        <text>requires prior approval for a procedure, treatment, medication, or service before an enrollee is eligible for full payment of the benefit; and</text>
      </level>
      <level label="iii">
        <text>is used to determine whether the procedure, treatment, medication, or service is medically necessary.</text>
      </level>
    </level>
    <level label="11">
      <text>“Program recipient” means an individual who receives benefits under the Maryland Medical Assistance Program.</text>
    </level>
    <level label="12">
      <level label="i">
        <text>“Provider panel” means the health care providers that contract either directly or through a subcontracting entity with a carrier or managed care organization to provide health care services to the enrollees of the carrier or managed care organization.</text>
      </level>
      <level label="ii">
        <text>“Provider panel” does not include an arrangement in which any health care provider may participate solely by contracting with the carrier or managed care organization to provide health care services at a discounted fee–for–service rate.</text>
      </level>
    </level>
    <level label="13">
      <text>“Receiving carrier or managed care organization” means:</text>
      <level label="i">
        <text>the carrier that issues the new health benefit plan when an enrollee transitions from another carrier or a managed care organization; or</text>
      </level>
      <level label="ii">
        <text>the managed care organization that accepts the enrollee when the enrollee transitions from another managed care organization or a carrier.</text>
      </level>
    </level>
    <level label="14">
      <text>“Relinquishing carrier or managed care organization” means:</text>
      <level label="i">
        <text>the carrier that issued the prior health benefit plan when an enrollee transitions to a new carrier or a managed care organization; or</text>
      </level>
      <level label="ii">
        <text>the managed care organization in which an enrollee had been enrolled prior to the enrollee’s transition to a new managed care organization or a carrier.</text>
      </level>
    </level>
    <level label="15">
      <text>“Serious chronic condition” means a medical or dental condition due to a disease, an illness, or any other medical or dental problem that:</text>
      <level label="i">
        <text>is serious in nature;</text>
      </level>
      <level label="ii">
        <text>persists without full cure or worsens over an extended period of time; and</text>
      </level>
      <level label="iii">
        <text>is actively managed or supervised by a health care provider to maintain remission or prevent deterioration.</text>
      </level>
    </level>
    <level label="16">
      <text>“Third–party administrator” means an organization under contract with the Maryland Medical Assistance Program to administer certain benefits and services provided by the Maryland Medical Assistance Program.</text>
    </level>
  </level>
  <level label="b">
    <level label="1">
      <text>The purpose of this section is to advance the State’s progress in:</text>
      <level label="i">
        <text>protecting Marylanders from harmful disruptions in health care services; and</text>
      </level>
      <level label="ii">
        <text>promoting reasonable continuity of health care for Marylanders when transitioning:</text>
        <level label="1">
          <text>from one carrier to another carrier; and</text>
        </level>
        <level label="2">
          <text>between a carrier and the Maryland Medical Assistance Program or the Maryland Children’s Health Program.</text>
        </level>
      </level>
    </level>
    <level label="2">
      <text>This section:</text>
      <level label="i">
        <text>with respect to any benefit or service that is provided through the Maryland Medical Assistance fee–for–service program:</text>
        <level label="1">
          <text>shall not apply when the enrollee is transitioning from a carrier to the Maryland Medical Assistance Program; and</text>
        </level>
        <level label="2">
          <text>except as provided in subsection (c) of this section, shall apply when the enrollee is transitioning from the Maryland Medical Assistance Program to a carrier;</text>
        </level>
      </level>
      <level label="ii">
        <text>shall apply to contracts issued or renewed on or after January 1, 2015; and</text>
      </level>
      <level label="iii">
        <text>subject to subparagraph (i) of this paragraph, with respect to dental benefits, shall apply to covered services for which a coordinated treatment plan is in progress.</text>
      </level>
    </level>
  </level>
  <level label="c">
    <level label="1">
      <text>With respect to any benefit or service provided through the Maryland Medical Assistance fee–for–service program, this subsection shall apply:</text>
      <level label="i">
        <text>only to enrollees transitioning from the Maryland Medical Assistance Program to a carrier; and</text>
      </level>
      <level label="ii">
        <text>only to behavioral health and dental benefits, to the extent they are authorized by a third–party administrator.</text>
      </level>
    </level>
    <level label="2">
      <text>Subject to paragraph (3) of this subsection, at the request of an enrollee or an enrollee’s parent, guardian, designee, or health care provider, a receiving carrier or managed care organization shall accept a preauthorization from a relinquishing carrier, managed care organization, or third–party administrator for:</text>
      <level label="i">
        <text>the procedures, treatments, medications, or services covered by the benefits offered by the receiving carrier or managed care organization; and</text>
      </level>
      <level label="ii">
        <text>the following time periods:</text>
        <level label="1">
          <text>the lesser of the course of treatment or 90 days; and</text>
        </level>
        <level label="2">
          <text>the duration of the three trimesters of a pregnancy and the initial postpartum visit.</text>
        </level>
      </level>
    </level>
    <level label="3">
      <text>Subject to applicable laws relating to the confidentiality of medical records, including 42 C.F.R. Part 2, at the request and with the consent of an enrollee or an enrollee’s parent, guardian, or designee, a relinquishing carrier, managed care organization, or third–party administrator, shall provide a copy of a preauthorization to the enrollee’s receiving carrier or managed care organization within 10 days after receipt of the request.</text>
    </level>
    <level label="4">
      <text>After the time periods under paragraph (2)(ii) have lapsed, the receiving carrier or managed care organization may elect to perform its own utilization review in order to:</text>
      <level label="i">
        <text>reassess and make its own determination regarding the need for continued treatment; and</text>
      </level>
      <level label="ii">
        <text>authorize any continued procedure, treatment, medication, or service determined to be medically necessary.</text>
      </level>
    </level>
  </level>
  <level label="d">
    <level label="1">
      <text>Subject to paragraphs (2) through (5) of this subsection, at the request of an enrollee or an enrollee’s parent, guardian, designee, or health care provider, a receiving carrier or managed care organization shall allow a new enrollee to continue to receive health care services being rendered by a nonparticipating provider at the time of the enrollee’s transition to the receiving health benefit plan or managed care organization.</text>
    </level>
    <level label="2">
      <level label="i">
        <text>The services an enrollee shall be allowed to continue to receive are services for:</text>
        <level label="1">
          <text>the following conditions:</text>
        </level>
        <level label="A">
          <text>acute conditions;</text>
        </level>
        <level label="B">
          <text>serious chronic conditions;</text>
        </level>
        <level label="C">
          <text>pregnancy; and</text>
        </level>
        <level label="D">
          <text>mental health conditions and substance use disorders; and</text>
        </level>
        <level label="2">
          <text>any other condition on which the nonparticipating provider and the receiving carrier or managed care organization reach agreement.</text>
        </level>
      </level>
      <level label="ii">
        <text>Examples of conditions set forth in subparagraph (i)1A and B of this paragraph may include:</text>
        <level label="1">
          <text>bone fractures;</text>
        </level>
        <level label="2">
          <text>joint replacements;</text>
        </level>
        <level label="3">
          <text>heart attacks;</text>
        </level>
        <level label="4">
          <text>cancer;</text>
        </level>
        <level label="5">
          <text>HIV/AIDS; and</text>
        </level>
        <level label="6">
          <text>organ transplants.</text>
        </level>
      </level>
      <level label="iii">
        <text>An enrollee shall be allowed to continue to receive services for the conditions under this paragraph for the time periods under subsection (c)(2)(ii) of this section.</text>
      </level>
    </level>
    <level label="3">
      <level label="i">
        <text>This paragraph does not apply to compensation rates or methods of payment established under § 14–205.2 of this article or § 19–710.1 of the Health – General Article.</text>
      </level>
      <level label="ii">
        <text>Subject to paragraphs (4) and (5) of this subsection, the receiving carrier or managed care organization, with respect to the provision of the covered services, shall pay the nonparticipating provider the rate and method of payment the receiving carrier or managed care organization normally would pay and use for participating providers who provide similar services in the same or similar geographic area.</text>
      </level>
      <level label="iii">
        <text>The nonparticipating provider may decline to accept the rate or method of payment under subparagraph (ii) of this paragraph by giving 10 days’ prior notice to the enrollee and receiving carrier.</text>
      </level>
      <level label="iv">
        <text>Subject to paragraphs (4) and (5) of this subsection, if the nonparticipating provider does not accept the rate or method of payment under subparagraph (ii) of this paragraph, the nonparticipating provider and the receiving carrier or managed care organization may reach agreement on an alternative rate or method of payment for the provision of covered services.</text>
      </level>
    </level>
    <level label="4">
      <text>The rates and methods of payment under paragraph (3)(ii) and (iv) of this subsection shall:</text>
      <level label="i">
        <text>be subject to any State or federal requirements applicable to reimbursement for health care provider services, including:</text>
        <level label="1">
          <text>§ 1302(g) of the Affordable Care Act, which applies to reimbursement rates for Federally Qualified Health Centers; and</text>
        </level>
        <level label="2">
          <text>Title 19, Subtitle 2 of the Health – General Article, under which the Health Services Cost Review Commission establishes provider rates; and</text>
        </level>
      </level>
      <level label="ii">
        <text>ensure that:</text>
        <level label="1">
          <text>an enrollee is not subject to balance billing; and</text>
        </level>
        <level label="2">
          <text>the copayments, deductibles, and any coinsurance required of an enrollee for the services rendered in accordance with this section are the same as those that would be required if the enrollee were receiving the services from a participating provider of the receiving carrier or managed care organization.</text>
        </level>
      </level>
    </level>
    <level label="5">
      <text>If the nonparticipating provider does not accept the rate and method of compensation under paragraph (3)(ii) of this subsection, and the carrier or managed care organization does not reach an agreement with the nonparticipating provider for an alternative rate and method of payment under paragraph (3)(iv) of this subsection:</text>
      <level label="i">
        <text>the nonparticipating provider is not required to continue to provide the services;</text>
      </level>
      <level label="ii">
        <text>§ 14–205.3 of this article, under which an enrollee may assign benefits to a nonpreferred provider and the provider may balance bill the enrollee, shall apply to the extent it would apply absent this section; and</text>
      </level>
      <level label="iii">
        <text>unless the enrollee has assigned benefits to a nonpreferred provider under § 14–205.3 of this article, the carrier or managed care organization shall facilitate transition of the enrollee to a provider on the provider panel of the carrier or managed care organization.</text>
      </level>
    </level>
  </level>
  <level label="e">
    <level label="1">
      <text>This section does not:</text>
      <level label="i">
        <text>require a carrier or managed care organization to cover services or provide benefits that are not otherwise covered under the terms and conditions of a health benefit plan, the Maryland Medical Assistance Program, or the Maryland Children’s Health Program; or</text>
      </level>
      <level label="ii">
        <text>preclude a carrier or managed care organization from providing continuity of care beyond the requirements of this section within the parameters of the approved rates of the carrier or managed care organization.</text>
      </level>
    </level>
    <level label="2">
      <level label="i">
        <text>To ensure continuity of treatment in progress for dental services provided to an enrollee, a relinquishing carrier may elect to allow an enrollee to continue to receive dental services being provided by a participating provider of the relinquishing carrier through an arrangement in which the relinquishing carrier pays the participating provider according to the rate and method of payment the relinquishing carrier normally would pay and use for the participating provider.</text>
      </level>
      <level label="ii">
        <text>The rate and method of payment under subparagraph (i) of this paragraph shall comply with:</text>
        <level label="1">
          <text>the prohibition on balance billing under subsection (d)(4)(ii) of this section; and</text>
        </level>
        <level label="2">
          <text>any copayments, deductibles, and coinsurance requirements in the enrollee’s health benefit plan under the relinquishing carrier.</text>
        </level>
      </level>
    </level>
  </level>
  <level label="f">
    <level label="1">
      <text>A receiving carrier or managed care organization shall provide notice to a new enrollee of the enrollee’s options and responsibilities under this section in a manner prescribed by the Commissioner.</text>
    </level>
    <level label="2">
      <text>The requirements of this section are:</text>
      <level label="i">
        <text>in addition to any other legal, professional, or ethical obligations of a carrier or managed care organization to provide continuity of care; and</text>
      </level>
      <level label="ii">
        <text>not intended to limit or make more restrictive any other continuity of care requirements in State or federal law, regulations, or professional codes of conduct.</text>
      </level>
    </level>
  </level>
  <level label="g">
    <text>The Commissioner and the Secretary of Health each may adopt regulations to enforce the requirements of this section.</text>
  </level>
  <level label="h">
    <level label="1">
      <text>The Commissioner, the Maryland Health Benefit Exchange, and the Secretary of Health shall collaborate to determine the data, to the extent its collection is feasible and permitted by law, that is necessary to:</text>
      <level label="i">
        <text>assess the implementation and efficacy of the requirements of this section; and</text>
      </level>
      <level label="ii">
        <text>develop a process to evaluate and monitor continuity of care, with particular focus on newly eligible populations, any disparate or discriminatory impact on specific populations, and trends in health disparities.</text>
      </level>
    </level>
    <level label="2">
      <text>On request of the Commissioner, the Maryland Health Benefit Exchange, or the Secretary of Health carriers, managed care organizations, and health care providers shall provide the requisite data.</text>
    </level>
  </level>
</section>
