A carrier may offer benefits in addition to the plan only if: The benefits are offered separately from the plan; The benefits are priced separately from the plan; Subject to the provisions of Insurance Article, §15-1213, Annotated Code of Maryland, the benefits are guarantee issued; Subject to the provisions of Insurance Article, §15-1212, Annotated Code of Maryland, the benefits are guarantee renewed; Subject to the provisions of Insurance Article, §15-1205, Annotated Code of Maryland, the benefits are community rated; and The benefits do not duplicate any of the benefits in the plan. An additional benefit that a carrier offers shall meet at least one of the following requirements: The benefit increases access to care choices available under the plan; The benefit increases the number of services available to covered persons under the plan; The benefit increases the frequency that covered persons can obtain specified services under the plan; or The benefit lowers the uniform cost-sharing arrangements described in Regulations .04 and .05 of this chapter. A health maintenance organization may offer, or may contract with another carrier to offer, a point-of-service option as an additional benefit to the health maintenance organization delivery system or the HMO-HSA delivery system subject to the following requirements: The point-of-service benefit allows a covered person to obtain services outside the network; For out-of-network services, the health maintenance organization's coinsurance percentage shall be no less than the percentage of allowable charges specified in Regulations .04F and .05B of this chapter; and The health maintenance organization may limit the benefits a covered person may obtain outside the network. An insurer or nonprofit health service plan offering an exclusive provider delivery system or an EPO-HSA delivery system specified under this chapter may offer a limited out-of-network additional benefit as defined under Regulation .02 of this chapter as an additional benefit subject to the following requirements: The limited out-of-network additional benefit allows a covered person to obtain services outside the network; Except as specified in §D(4) of this regulation, for out-of-network services, the insurer's or nonprofit health service plan's coinsurance may not be less than 60 percent of allowable charges; The insurer or nonprofit health service plan may limit the benefits a covered person may obtain outside the network; and For outpatient services for mental health and substance abuse, rehabilitation, and chiropractic services received out-of-network, the insurer's or nonprofit health service plans' coinsurance may not be less than 50 percent of allowable charges. A carrier may offer a rider to cover the services of Christian Science practitioners and Christian Science facilities.