R.I. Gen. Laws tit. 27, ch. 18 – Accident and Sickness Insurance Policies | Midpage

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Rhode Island General Laws

Chapter 27-18

R.I. Gen. Laws tit. 27, ch. 18

Accident and Sickness Insurance Policies

27-18-1“Policy of accident and sickness insurance” construed 27-18-1.1Definitions 27-18-2Form of policy 27-18-2.1Uniform explanation of benefits and coverage 27-18-3Required provisions 27-18-3.1Alternative coverage by employer 27-18-3.2Rules and regulations 27-18-3.3Penalties 27-18-3.4Judicial review 27-18-3.5Non-applicability 27-18-4Optional provisions 27-18-5Inapplicable or inconsistent provisions 27-18-6Sequence of provisions 27-18-7Third-party ownership 27-18-8Filing of accident and sickness insurance policy forms 27-18-8.1Waiting period — Effective date of filings 27-18-8.2Notice of disapproval 27-18-8.3Withdrawal of approval 27-18-8.4Rules as to filing 27-18-9Policies of foreign insurers 27-18-10Compliance by domestic insurer with laws of other states 27-18-11Application of provisions to policy issued to nonresident 27-18-12Less favorable provisions prohibited 27-18-13Effect of policies inconsistent with chapter 27-18-14Copies of applications 27-18-15Alteration of application 27-18-16False statements in application 27-18-17Acts not constituting waiver of insurer’s defenses 27-18-18Acceptance of premiums after effective period of policy 27-18-19Insurance exempt from chapter 27-18-20Penalties for violations 27-18-21Appeals from commissioner 27-18-22Effect on other law 27-18-23Severability 27-18-24Immunity of benefits from process 27-18-25Unfair discrimination prohibited 27-18-26Physical examinations by insurance company 27-18-27Adoptive children 27-18-29Changing coverage 27-18-30Health insurance contracts — Infertility 27-18-31Insurance coverage for services of licensed midwives 27-18-32Discontinuance of coverage — Chronic disabilities 27-18-33Drug coverage 27-18-33.1Insurance coverage for postpartum hospital stays 27-18-33.2Pharmacy benefit manager requirements with respect to multi-source generic pricing updates to pharmacies 27-18-33.3Patient choice in dispensing of clinician-administered drugs 27-18-34Health insurance contracts — Certified registered nurse practitioners and psychiatric and mental health nurse clinical specialists 27-18-35Certified counselors in mental health and therapists in marriage and family practice 27-18-38Diabetes treatment 27-18-39Mastectomy treatment 27-18-40Insurance coverage for mastectomy hospital stays 27-18-41Mammograms and pap smears — Coverage mandated 27-18-42Mammograms — Quality assurance standards 27-18-43Pap smears — Quality assurance standards 27-18-44Primary and preventive obstetric and gynecological care 27-18-44.1Hysterectomy or myomectomy treatment 27-18-45Whistleblowers protection 27-18-46Penalties and remedies 27-18-47Additional relief and damages — Reinstatement 27-18-48Third-party reimbursement for services of certain healthcare workers 27-18-48.1Third-party reimbursement for services of registered nurse first assistants 27-18-49Human leukocyte antigen testing 27-18-50Drug coverage 27-18-50.1Medication synchronization 27-18-50.2Specialty drugs 27-18-51Restricted annual rate payments prohibited 27-18-52Genetic testing 27-18-52.1Genetic information 27-18-53Magnetic resonance imaging — Quality assurance standards 27-18-54Health insurance rates 27-18-55Acupuncture services 27-18-56Prohibition against dentists being required to indemnify provider 27-18-57FDA approved prescription contraceptive drugs and devices 27-18-58Prostate and colorectal examinations — Coverage mandated — The Maryellen Goodwin Colorectal Cancer Screening Act 27-18-59Eligibility for children’s benefits 27-18-60Hearing aids 27-18-61Prompt processing of claims 27-18-62Mandatory coverage for certain lyme disease treatments 27-18-63Dental insurance assignment of benefits 27-18-64Coverage for early intervention services 27-18-65Post-payment audits 27-18-66Tobacco cessation programs 27-18-67Reimbursement for orthotic and prosthetic services 27-18-68Mandatory coverage for scalp hair prosthesis 27-18-69Licensed ambulance service 27-18-70Enteral nutrition products 27-18-71Prohibition on preexisting condition exclusions 27-18-72Prohibition on rescission of coverage 27-18-73Prohibition on annual and lifetime limits 27-18-74Coverage for individuals participating in approved clinical trials 27-18-75Medical loss ratio reporting and rebates 27-18-76Emergency services 27-18-77Internal and external appeal of adverse benefit determinations 27-18-78Primary care provider designation requirement 27-18-79Discretionary clauses 27-18-80Orally administered anticancer medication — Cost-sharing requirement 27-18-81Consumer notification 27-18-82Opioid antagonists 27-18-83Healthcare provider credentialing 27-18-84Health insurance contracts — Full year coverage for contraception 27-18-85Prohibition on discrimination in organ transplants 27-18-86Health insurance contracts — Copayments exemption for COVID-19 related services 27-18-87Perinatal doulas 27-18-88Gender rating 27-18-89Coverage for biomarker testing 27-18-90Mandatory coverage for treatment of pediatric autoimmune neuropsychiatric disorders associated with streptococcal infections and pediatric acute onset neuropsychiatric syndrome 27-18-91Coverage for treatment of pre-exposure prophylaxis (PrEP) for the prevention of HIV and post-exposure prophylaxis (PEP) to prevent HIV infection 27-18-93Dispensing and administration of HIV PrEP or PEP drugs 27-18-94Epinephrine injectors 27-18-95Acute mental health crisis mobile response and stabilization services. [Effective January 1, 2026.]