WILLIAM DONALD SCHAEFER, Governor Ch. 681

(8)  PROBATIONARY PERIODS, LIMITATION OF COVERAGE
PROVISIONS, AND RECURRENT CONDITIONS;

(9)  COVERAGE OF DEPENDENTS;

(10)  LOSS RATIO STANDARDS; AND

(11)  ANY MATTER THE COMMISSIONER DETERMINES IS IN THE
BEST INTEREST OF THE PUBLIC.

645.

(A)  AN INSURER MAY NOT CANCEL, REFUSE TO RENEW, OR
OTHERWISE TERMINATE LONG-TERM CARE INSURANCE BECAUSE OF THE AGE
OR DETERIORATION OF THE MENTAL OR PHYSICAL HEALTH OF THE INSURED
OR CERTIFICATE HOLDER.

(B)  LONG-TERM CARE INSURANCE MAY NOT:

(1)  EXCEPT WITH RESPECT TO AN APPLICATION FOR AN
INCREASE IN BENEFITS VOLUNTARILY SELECTED BY THE INSURED OR
CERTIFICATE HOLDER, CONTAIN A NEW WAITING PERIOD IN CASES WHERE
EXISTING COVERAGE IS CONVERTED TO, OR REPLACED BY, NEW OR OTHER
COVERAGE BY THE SAME INSURED INSURER;

(2)  LIMIT COVERAGE TO COVER ONLY SKILLED NURSING
CARE;

(3)  PROVIDE SIGNIFICANTLY MORE COVERAGE FOR SKILLED
CARE IN A FACILITY THAN COVERAGE FOR LOWER LEVELS OF CARE;

(4)  PROVIDE COVERAGE THAT CONDITIONS ELIGIBILITY FOR
BENEFITS AT 1 LEVEL OF CARE ON THE RECEIPT OF HIGHER LEVELS OF
CARE;

(5)  APPLY OR DEFINE PREEXISTING CONDITIONS IN A
MANNER THAT IS MORE RESTRICTIVE THAN THE DEFINITION OF
"PREEXISTING CONDITION" SET FORTH UNDER § 642(F) OF THIS
SUBTITLE;

(6)  UNLESS THE LOSS OR CONFINEMENT BEGINS WITHIN 6
MONTHS FOLLOWING THE EFFECTIVE DATE OF COVERAGE OF THE INSURED
PERSON OR CERTIFICATE HOLDER, EXCLUDE COVERAGE FOR A LOSS OR
CONFINEMENT THAT RESULTS FROM A PREEXISTING CONDITION;

(7)  EXCLUDE, OR PERMIT WAIVERS OR RIDERS OF ANY KIND
TO EXCLUDE, LIMIT, OR REDUCE COVERAGE OR BENEFITS FOR
SPECIFICALLY NAMED OR DESCRIBED PREEXISTING DISEASES OR PHYSICAL
CONDITIONS AFTER THE WAITING PERIOD SPECIFIED IN ITEM (6) OF THIS
SUBSECTION; OR

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