§ 18–103
Statutes in effect as of October 1, 2026.
Md. Code Ann., Ins. § 18-103 (2026)
Title 18. Long-Term Care Insurance
Subtitle 1
§ 18–103LinkCopy Citation
(a)
A carrier may not advertise, market, or offer a policy, contract, or certificate in the State as long-term care insurance or long-term nursing home insurance unless the policy or contract complies with this title.
(b)
(1)
Before a carrier advertises, on television or radio or in writing, a policy or contract of long-term care insurance or long-term nursing home insurance that is offered for sale in the State, the carrier shall submit a copy of the advertisement to the Commissioner for review.
(2)
The carrier shall retain each advertisement for 3 years after the date the advertisement first was used.
(3)
The Commissioner may exempt a carrier or a carrier’s advertising form or material from the requirements of this section if in the opinion of the Commissioner the requirements may not reasonably be applied.
(c)
A carrier that markets long-term care insurance in the State shall:
(1)
establish marketing procedures to ensure that any comparison of policies by insurance producers of the carrier will be fair and accurate;
(2)
establish marketing procedures to prevent the sale or issuance of excessive insurance;
(3)
establish procedures for verifying compliance with this subsection;
(4)
provide, to the extent possible, information on any senior citizen counseling program;
(5)
display prominently on the first page of the outline of coverage and the policy the following:
“Notice to buyer: This policy may not cover all the costs associated with long-term care incurred by the buyer during the period of coverage. The buyer is advised to review carefully all policy limitations.”; and
(6)
make every reasonable effort to identify whether a prospective applicant:
(i)
already has long-term care insurance and, if so, the types and amounts of the long-term care insurance;
(ii)
had long-term care insurance in force during the last 12 months;
(iii)
is covered under the medical assistance program; or
(iv)
intends to replace any existing medical or health insurance coverage with long-term care insurance.
(d)
An insurance producer who offers or sells policies or contracts of long–term care insurance in the State shall:
(1)
advise an individual considering the purchase of a long–term care insurance policy or contract about the availability and benefits of a policy that qualifies under the Qualified State Long–Term Care Insurance Partnership established under Title 15, Subtitle 4 of the Health – General Article;
(2)
provide a disclosure statement, approved by the Commissioner, to each applicant for long–term care insurance about the Qualified State Long–Term Care Insurance Partnership; and
(3)
make the disclosure statement required under item (2) of this subsection available to the Commissioner for inspection.