1. A. A group health insurance contract may not be delivered in Maryland unless it contains in substance the provisions:

   1. (1) Listed in Regulation .04 of this chapter; or

   2. (2) Which in the opinion of the Commissioner, as compared to the provisions in Regulation .04 of this chapter, are:

      1. (a) More favorable to the individuals insured, or
      2. (b) At least as favorable to the individuals insured and more favorable to the policyholder.

2. B. A blanket health insurance contract may not be delivered in Maryland unless it contains in substance the provisions:

   1. (1) Listed in Regulation .05 of this chapter; or

   2. (2) Which in the opinion of the Commissioner, as compared to the provisions in Regulation .05 of this chapter, are:

      1. (a) More favorable to the individuals insured, or
      2. (b) At least as favorable to the individuals insured and more favorable to the policyholder.

3. C. Inapplicable and Inconsistent Provisions. If a provision required by Regulation .04 or .05 of this chapter is wholly or partly inapplicable to or inconsistent with the coverage provided by a particular contract, the carrier shall:

   1. (1) Omit from the contract the inapplicable provision or part of the provision; or
   2. (2) Modify the inconsistent provision or part of the provision to make it consistent with the coverage provided by the contract.

Authority: Insurance Article, §12-203(g), Annotated Code of Maryland

Effective date: October 30, 2000 (27:21 Md. R. 1978)

Regulation .02B amended effective October 18, 2010 (37:21 Md. R. 1438)

Regulation .04N adopted effective October 18, 2010 (37:21 Md. R. 1438)

Regulation .06A amended as an emergency provision effective May 9, 2003 (30:11 Md. R. 733); amended permanently effective October 27, 2003 (30:21 Md. R. 1531)