In this section the following words have the meanings indicated. “Inherited metabolic disease” means a disease caused by an inherited abnormality of body chemistry. “Inherited metabolic disease” includes a disease for which the State screens newborn babies. “Low protein modified food product” means a food product that is: specially formulated to have less than 1 gram of protein per serving; and intended to be used under the direction of a physician for the dietary treatment of an inherited metabolic disease. “Low protein modified food product” does not include a natural food that is naturally low in protein. “Medical food” means a food that is: intended for the dietary treatment of a disease or condition for which nutritional requirements are established by medical evaluation; and formulated to be consumed or administered enterally under the direction of a physician. This section applies to each individual hospital or major medical insurance policy, group or blanket health insurance policy, and nonprofit health service plan that: is delivered or issued for delivery in the State; is written on an expense-incurred basis; and provides coverage for a family member of the insured. A policy or plan subject to this section shall include under the family member coverage, coverage for medical foods and low protein modified food products for the treatment of inherited metabolic diseases if the medical foods or low protein modified food products are: prescribed as medically necessary for the therapeutic treatment of inherited metabolic diseases; and administered under the direction of a physician.