# Insurance (GIN)

## Title 15. Health Insurance

### Subtitle 8. Required Health Insurance Benefits

#### Section 15-819

(a) This section applies to:

  (1) each individual, group, or blanket health insurance policy that is issued or delivered in the State by an insurer; and

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

(b) A policy, contract, or certificate subject to this section that provides coverage for an inpatient service in an acute general hospital shall provide coverage for:

  (1) a corresponding outpatient service that is provided to the insured instead of the inpatient service because of the denial, after review under a utilization review program, of a request by the attending physician for an inpatient admission; and

  (2) an objective second opinion given to the insured when required by a utilization review program under Sec. 19-319 of the Health - General Article.

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