What are the laws governing health insurance coverage?

In Maryland, the law governing health insurance coverage is found in the Maryland Insurance Administration. This law is known as the Maryland Insurance Code, and it requires all health insurance plans to cover certain essential benefits. These benefits include hospitalization, physician services, prescription drugs, preventive and diagnostic services, rehabilitative services, mental health care, and substance abuse treatment. Additionally, the law requires insurance companies to provide coverage for chronic and pre-existing conditions, as well as coverage for necessary emergency services. The insurance company must also cover any related costs, such as those for hospital stays. Furthermore, companies must not discriminate against any individual on the basis of pre-existing conditions and must cover certain preventive services for all covered individuals, such as yearly screenings and immunizations. The law also requires companies to provide ample notice and give individuals the opportunity to appeal any decisions made regarding health insurance coverage. Insurance companies must also provide individuals with the necessary information to compare plans and assess coverage options. Additionally, companies are not allowed to set a limit on the amount of coverage a person receives for a specific illness or injury. Finally, the law covers insurance companies’ rights and responsibilities. Companies must meet certain requirements regarding privacy and protection of individuals’ personal health information, as well as when issuing and renewing policies. Insurance companies are also not allowed to make changes to existing policies without giving adequate notice to the policy holder.

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What are the laws governing health insurance coverage?

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