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31.10.02.00.htm 31.10.02.00. Title 31 MARYLAND INSURANCE ADMINISTRATION Subtitle 10 HEALTH INSURANCE ― GENERAL Chapter 02 Health Insurance ― Simplified Language Authority: Insurance Article, §2-109, 12-102―12-104, 12-107, 12-203―12-205, 12-209, 15-103, 15-201, 15-202, 15-402, 15-502, 15-916, 15-919, and 15-924, Annotated Code of Maryland
31.10.02.01.htm 31.10.02.01. 01 Applicability.. A. This chapter does not apply to:. 1) Group health insurance policies initially issued to employer/employee groups of more than 1,000 employees;2) Group health insurance policies issued pursuant to a collective bargaining labor-management agreement; or3) Reinsurance contracts.. B. Except as provided in §A of this regulation, this chapter applies to all health insurance policies, including riders, endorsements, and certificates, issued or delivered in
31.10.02.02.htm 31.10.02.02. 02 Minimum Standards.. A. In addition to any other requirements or law, a policy form to which this chapter is applicable may not be issued or delivered in this State unless:1) The text achieves a minimum score of 40 on the Flesch Reading Ease Test;. 2) The policy contains a table of contents or an index of the principal sections of the policy if it has more than 3,000 words or more than three pages regardless of the number of words;3) The style, arrangement, and overall appearance
31.10.02.03.htm 31.10.02.03. 03 Flesch Reading Ease Test Scores.. A. The Flesch Reading Ease Test scores shall be calculated according to the requirements of B-F of this regulation.B. For policy forms containing 10,000 words or less of text, the entire form shall be analyzed. For policy forms containing more than 10,000 words, the readability of two 200-word samples per page may be analyzed instead of the entire form. The samples shall be separated by at least 20 printed lines.C. The number of words an
31.10.02.04.htm 31.10.02.04. 04 Certification.. A policy form to which these regulations apply, and which is required to be submitted for approval in accordance with Insurance Article, 12-203 and 12-205, Annotated Code of Maryland, shall be accompanied by a certificate signed by an officer of the insurer stating that the language of the form has been measured by the Flesch Reading Ease Test, and giving the resulting score achieved on that test. If any language has been omitted from the test in
31.10.02.05.htm 31.10.02.05. 05 Effective Date.. A. These regulations apply to all health insurance policies, certificates, riders, and endorsements submitted for approval on or after January 1, 1992.B. If any policy form, certificate, rider, or endorsement which does not comply with the minimum standards of Regulation .02 of this chapter has been submitted for approval before January 1, 1992, and approved by the Commissioner, it may be issued or delivered in this State until January 1, 1997, bu
31.10.02.9999.htm 31.10.02.9999. Administrative History Effective date: March 30, 1992 (19:6 Md. R. 672) ―. Chapter recodified from COMAR 09.30.36 to COMAR 31.10.02, July 1998.
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