# COMAR Title 31 — Maryland Insurance Administration

## Subtitle 11 — Health Insurance — Group

### Chapter 14 — Wellness Benefits Under Small Employer Health Benefit Plans

#### Regulation .03 Components of a Wellness Benefit.

*COMAR 31.11.14.03*

A. Each wellness benefit shall include:

  (1) A health risk assessment that is:

    (a) Available at no cost to all employees covered under the small employer's wellness benefit; and

    (b) Completed by each employee on a voluntary basis;

  (2) Written feedback to each employee who completes the health risk assessment, with recommendations for lowering risks identified in the completed health risk assessment; and

  (3) A financial incentive to promote:

    (a) Preventive care;

    (b) Healthy behavior and lifestyle choices; or

    (c) Participation in a disease management program or case management program.

B. The financial incentive described in §A(3) of this regulation may be in the form of:

  (1) A direct reward of financial value given to the employee, such as a monetary reward or a gift card; or

  (2) A reduction in the employee's copayments, coinsurance, or deductible that would otherwise be payable under the small employer's health benefit plan.

C. A carrier shall be considered to have satisfied the requirement of §A(3) of this regulation, if the wellness benefit offered by the carrier eliminates the deductible for preventive services only.