# Insurance (GIN)

## Title 15. Health Insurance

### Subtitle 4. Eligibility for Coverage; Continuation and Conversion of Policies

#### Section 15-404

(a) This section applies to:

  (1) each group or blanket health insurance policy that is issued or delivered in the State and provides coverage on an expense-incurred basis; and

  (2) each group medical or major medical contract or certificate that is issued or delivered in the State by a nonprofit health service plan.

(b) Each policy, contract, or certificate subject to this section shall provide a benefit that allows the addition of a certificate holder's or subscriber's dependent children to the certificate holder's or subscriber's policy or contract at any time and without evidence of insurability if:

  (1) the dependent children previously were covered under the policy or contract of the certificate holder's or subscriber's spouse; and

  (2) the certificate holder's or subscriber's spouse has died.

(c) This section applies regardless of whether a certificate holder's or subscriber's dependent children are eligible for any continuation or conversion privileges under the policy or contract of the certificate holder's or subscriber's spouse.

(d) Within 6 months after the death of the spouse, the certificate holder or subscriber must exercise the benefit provided under this section.

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