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<regulation prefix="Regulation" num=".06" citation="COMAR 31.11.06.06" title_num="31" subtitle_num="11" chapter_num="06" heading="Limitations and Exclusions.">
  <paragraph num="A.">
    <text>A carrier shall apply the limitations and exclusions specified in §B of this regulation to the covered services specified in Regulation .03 of this chapter.</text>
  </paragraph>
  <paragraph num="B.">
    <text>The following are exclusions and limitations to the covered services:</text>
    <paragraph num="(1)">
      <text>Services that are not medically necessary;</text>
    </paragraph>
    <paragraph num="(2)">
      <text>Services performed or prescribed under the direction of a person who is not a health care practitioner;</text>
    </paragraph>
    <paragraph num="(3)">
      <text>Services that are beyond the scope of practice of the health care practitioner performing the service;</text>
    </paragraph>
    <paragraph num="(4)">
      <text>Services to the extent they are covered by any government unit, except for veterans in Veterans' Administration or armed forces facilities for services received for which the recipient is liable;</text>
    </paragraph>
    <paragraph num="(5)">
      <text>Services for which a covered person is not legally, or as a customary practice, required to pay in the absence of a health benefit plan;</text>
    </paragraph>
    <paragraph num="(6)">
      <text>The purchase, examination, or fitting of eyeglasses or contact lenses, except for aphakic patients and soft or rigid gas permeable lenses or sclera shells intended for use in the treatment of a disease or injury;</text>
    </paragraph>
    <paragraph num="(7)">
      <text>Personal care services and domiciliary care services;</text>
    </paragraph>
    <paragraph num="(8)">
      <text>Services rendered by a health care practitioner who is a covered person's spouse, mother, father, daughter, son, brother, or sister;</text>
    </paragraph>
    <paragraph num="(9)">
      <text>Experimental services;</text>
    </paragraph>
    <paragraph num="(10)">
      <text>Practitioner, hospital, or clinical services related to radial keratotomy, myopic keratomileusis, and surgery which involves corneal tissue for the purpose of altering, modifying, or correcting myopia, hyperopia, or stigmatic error;</text>
    </paragraph>
    <paragraph num="(11)">
      <text>In vitro fertilization, ovum transplants and gamete intrafallopian tube transfer, zygote intrafallopian transfer, or cryogenic or other preservation techniques used in these or similar procedures;</text>
    </paragraph>
    <paragraph num="(12)">
      <text>Services to reverse a voluntary sterilization procedure;</text>
    </paragraph>
    <paragraph num="(13)">
      <text>Services for sterilization or reverse sterilization for a dependent minor;</text>
    </paragraph>
    <paragraph num="(14)">
      <text>Medical or surgical treatment or regimen for reducing or controlling weight, unless otherwise specified in the covered services;</text>
    </paragraph>
    <paragraph num="(15)">
      <text>Services incurred before the effective date of coverage for a covered person;</text>
    </paragraph>
    <paragraph num="(16)">
      <text>Services incurred after a covered person's termination of coverage, including any extension of benefits;</text>
    </paragraph>
    <paragraph num="(17)">
      <text>Surgery or related services for cosmetic purposes to improve appearance, but not to restore bodily function or correct deformity resulting from disease, trauma, or congenital or developmental anomalies;</text>
    </paragraph>
    <paragraph num="(18)">
      <text>Services for injuries or diseases related to a covered person's job to the extent the covered person is required to be covered by a workers' compensation law;</text>
    </paragraph>
    <paragraph num="(19)">
      <text>Services rendered from a dental or medical department maintained by or on behalf of an employer, mutual benefit association, labor union, trust, or similar persons or groups;</text>
    </paragraph>
    <paragraph num="(20)">
      <text>Personal hygiene and convenience items, including, but not limited to, air conditioners, humidifiers, or physical fitness equipment;</text>
    </paragraph>
    <paragraph num="(21)">
      <text>Charges for telephone consultations, failure to keep a scheduled visit, or completion of any form;</text>
    </paragraph>
    <paragraph num="(22)">
      <text>Inpatient admissions primarily for diagnostic studies, unless authorized by the carrier;</text>
    </paragraph>
    <paragraph num="(23)">
      <text>The purchase, examination, or fitting of hearing aids and supplies, and tinnitus maskers, except as provided in Regulation .03A(34) of this chapter;</text>
    </paragraph>
    <paragraph num="(24)">
      <text>Except for covered ambulance services, travel, whether or not recommended by a health care practitioner;</text>
    </paragraph>
    <paragraph num="(25)">
      <text>Except for emergency services, services received while the covered person is outside the United States;</text>
    </paragraph>
    <paragraph num="(26)">
      <text>Immunizations related to foreign travel;</text>
    </paragraph>
    <paragraph num="(27)">
      <text>Unless otherwise specified in covered services, dental work or treatment which includes hospital or professional care in connection with:</text>
      <paragraph num="(a)">
        <text>The operation or treatment for the fitting or wearing of dentures,</text>
      </paragraph>
      <paragraph num="(b)">
        <text>Orthodontic care or malocclusion,</text>
      </paragraph>
      <paragraph num="(c)">
        <text>Operations on or for treatment of or to the teeth or supporting tissues of the teeth, except for removal of tumors and cysts or treatment of injury to natural teeth due to an accident if the treatment is received within 6 months of the accident; and</text>
      </paragraph>
      <paragraph num="(d)">
        <text>Dental implants;</text>
      </paragraph>
    </paragraph>
    <paragraph num="(28)">
      <text>Accidents occurring while and as a result of chewing;</text>
    </paragraph>
    <paragraph num="(29)">
      <text>Routine foot care, including the paring or removing of corns and calluses, or trimming of nails, unless these services are determined to be medically necessary;</text>
    </paragraph>
    <paragraph num="(30)">
      <text>Arch support, orthotic devices, in-shoe supports, orthopedic shoes, elastic supports, or exams for their prescription or fitting, unless these services are determined to be medically necessary;</text>
    </paragraph>
    <paragraph num="(31)">
      <text>Inpatient admissions primarily for physical therapy, unless authorized by the carrier;</text>
    </paragraph>
    <paragraph num="(32)">
      <text>Treatment leading to or in connection with transsexualism, or sex changes or modifications, including but not limited to surgery;</text>
    </paragraph>
    <paragraph num="(33)">
      <text>Treatment of sexual dysfunction not related to organic disease;</text>
    </paragraph>
    <paragraph num="(34)">
      <text>Services that duplicate benefits provided under federal, State, or local laws, regulations, or programs;</text>
    </paragraph>
    <paragraph num="(35)">
      <text>Organ transplants except those included under Regulation .03 of this chapter;</text>
    </paragraph>
    <paragraph num="(36)">
      <text>Nonhuman organs and their implantation;</text>
    </paragraph>
    <paragraph num="(37)">
      <text>Nonreplacement fees for blood and blood products;</text>
    </paragraph>
    <paragraph num="(38)">
      <text>Lifestyle improvements, including nutrition counseling, or physical fitness programs, unless included as a covered service;</text>
    </paragraph>
    <paragraph num="(39)">
      <text>Wigs or cranial prosthesis;</text>
    </paragraph>
    <paragraph num="(40)">
      <text>Weekend admission charges, except for emergencies and maternity, unless authorized by the carrier;</text>
    </paragraph>
    <paragraph num="(41)">
      <text>Out-patient orthomolecular therapy, including nutrients, vitamins, and food supplements;</text>
    </paragraph>
    <paragraph num="(42)">
      <text>Temporomandibular joint syndrome (TMJ) treatment and treatment for craniomandibular pain syndrome (CPS), except for surgical services for TMJ and CPS, if medically necessary and if there is a clearly demonstrable radiographic evidence of joint abnormality due to disease or injury;</text>
    </paragraph>
    <paragraph num="(43)">
      <text>Services resulting from accidental bodily injuries arising out of a motor vehicle accident to the extent the services are payable under a medical expense payment provision of an automobile insurance policy;</text>
    </paragraph>
    <paragraph num="(44)">
      <text>Services for conditions that State or local laws, regulations, ordinances, or similar provisions require to be provided in a public institution;</text>
    </paragraph>
    <paragraph num="(45)">
      <text>Services for, or related to, the removal of an organ from a covered person for purposes of transplantation into another person, unless the:</text>
      <paragraph num="(a)">
        <text>Transplant recipient is covered under the plan and is undergoing a covered transplant, and</text>
      </paragraph>
      <paragraph num="(b)">
        <text>Services are not payable by another carrier;</text>
      </paragraph>
    </paragraph>
    <paragraph num="(46)">
      <text>Physical examinations required for obtaining or continuing employment, insurance, or government licensing;</text>
    </paragraph>
    <paragraph num="(47)">
      <text>Nonmedical ancillary services such as vocational rehabilitation, employment counseling, or educational therapy;</text>
    </paragraph>
    <paragraph num="(48)">
      <text>Private hospital room, unless authorized by the carrier;</text>
    </paragraph>
    <paragraph num="(49)">
      <text>Private duty nursing, unless authorized by the carrier;</text>
    </paragraph>
    <paragraph num="(50)">
      <text>Treatment for mental health or substance abuse not authorized by the carrier through its managed care system, or a mental health or substance abuse condition determined by the carrier through its managed care system to be untreatable; and</text>
    </paragraph>
    <paragraph num="(51)">
      <text>Services related to smoking cessation.</text>
    </paragraph>
  </paragraph>
  <paragraph num="C.">
    <text>A religious organization may request and a carrier shall grant the request for an exclusion from coverage for a service mandated under the plan if the service is in conflict with the religious organization's bona fide religious beliefs and practices.</text>
  </paragraph>
  <paragraph num="D.">
    <text>A religious organization that obtains an exclusion from coverage for a service mandated under the plan shall provide its employees reasonable and timely notice of this exclusion.</text>
  </paragraph>
  <paragraph num="E.">
    <text>The carrier's premium rate for the plan may not be affected by the religious organization's exclusions from coverage for a service mandated under the plan.</text>
  </paragraph>
  <paragraph num="F.">
    <text>An insurer or non-profit health service plan may impose a preexisting condition exclusion as specified in Regulation .11 of this chapter.</text>
  </paragraph>
</regulation>