Variable Information. Individual Contracts. Except as specified in §A(1)(b) of this regulation, a carrier may not include variable material in an individual contract, or in a form to be used with an individual contract. A carrier may include variable material in an individual contract or in a form to be used with an individual contract in the following portions of the form: The specifications, data, or schedule page; The product marketing name; The address of the carrier; Signatures of officers of the carrier; Descriptions of copayment amounts, deductibles, coinsurance amounts, out-of-pocket limits, annual maximums, or lifetime maximums; Specific dates, such as effective dates and termination dates; and Descriptions of benefit amounts, benefit limits, waiting periods or elimination periods. If an individual contract or a form to be used with an individual contract contains variable material as permitted under §A(1)(b) of this regulation, the carrier shall: Bracket the variable material or otherwise mark the variable material to denote variability; and Include a statement of variability, in duplicate, that discusses how each variable item may change. After an individual contract or a form to be used with an individual contract is approved with variable material, a carrier may not submit a new statement of variability to be used with the previously approved individual contract or form, except for the following: Copayment amounts; Coinsurance amounts; Deductible amounts; Out-of-pocket limits; Annual maximums; Lifetime maximums; Benefit amounts; Benefit limits; Waiting periods; or Elimination periods. A carrier shall include the following with a new statement of variability filing for a previously approved individual contract or form: A cover letter identifying the carrier and the carrier's National Association of Insurance Commissioners company code number; and The form number and date of approval of the form for which new variable material is being submitted. Group Contracts. A carrier may include variable material in a group contract or in a form to be used with a group contract, if the carrier: Brackets the variable material or otherwise marks the variable material to denote variability; and Includes a statement of variability, in duplicate, that discusses how each variable item may change, including all textual variations that are intended. After a group contract or a form to be used with a group contract is approved with variable material, a carrier may not submit a new statement of variability to be used with the previously approved group contract or form, except for the following: Copayment amounts; Coinsurance amounts; Deductible amounts; Out-of-pocket limits; Annual maximums; Lifetime maximums; Benefit amounts; Benefit limits; Waiting periods; or Elimination periods. A carrier shall include the following with a new statement of variability filing for a previously approved group contract or form: A cover letter identifying the carrier and the carrier's National Association of Insurance Commissioners company code number; and The form number and date of approval of the form for which new variable material is being submitted. Contracts with Insert Pages. A carrier may file for approval of a contract on an insert page basis, only if: Each insert page is identified by a unique form number appearing in the lower left corner of the insert page; and The carrier includes the following in the filing submission: A description of how the various insert pages will be combined; A listing of the insert pages that can be substituted for other specific insert pages; and The filing fee required under Insurance Article, §2-112, Annotated Code of Maryland, for each insert page with a unique form number. A carrier may not file for approval of insert pages for use with a previously approved contract, if the previously approved contract was not approved on an insert page basis. If a carrier files for approval of insert pages for a previously approved contract, the submission shall: Identify by form number and date of approval any insert pages that the new insert pages will replace; and Include a copy of the currently approved contract, unless the Commissioner waives the requirement or determines that a copy is not necessary to review the submission. Contracts Comprised of Sections. A carrier may file for approval of a contract on a sectional basis, only if: Each section is identified by a unique form number appearing in the lower left corner of the first page of the section; and The carrier includes the following in the filing submission: A description of how the various sections will be combined; A listing of the sections that can be substituted for other specific sections; and The filing fee required under Insurance Article, §2-112, Annotated Code of Maryland, for each section with a unique form number. A carrier may not file for approval of sections for use with a previously approved contract, if the previously approved contract was not approved on a sectional basis. If a carrier files for approval of sections for a previously approved contract, the submission shall: Identify by form number and date of approval any sections that the new sections will replace; and Include a copy of the currently approved contract, unless the Commissioner waives the requirement or determines that a copy is not necessary to review the submission.