Ch. 9

1993 LAWS OF MARYLAND

(7) PROVIDE, IN THE CASE OF INDIVIDUALS COVERED UNDER MORE
THAN ONE HEALTH BENEFIT PLAN, FOR COORDINATION OF COVERAGE UNDER ALL
OF THOSE PLANS IN AN EQUITABLE MANNER.

(B) (1) A CARRIER MAY NOT OFFER ANY HEALTH BENEFIT PLAN IN THE
STATE UNLESS THE CARRIER OFFERS AT LEAST ONE HEALTH BENEFIT PLAN THAT
INCLUDES ONLY THE EFFECTIVE BENEFITS SPECIFIED BY THE COMMISSION UNDER
§ 701 OF THIS SUBTITLE.

(2) BENEFITS IN ADDITION TO THE EFFECTIVE BENEFITS MAY BE
OFFERED IF THE ADDITIONAL BENEFITS:

(I) ARE OFFERED AND PRICED SEPARATELY FROM BENEFITS
SPECIFIED UNDER § 701 OF THIS SUBTITLE; AND

(II) DO NOT HAVE THE EFFECT OF DUPLICATING ANY OF THOSE
BENEFITS.

(3) A CARRIER MAY NOT OFFER A HEALTH BENEFIT PLAN THAT HAS
FEWER THAN THE EFFECTIVE BENEFITS.

(C) A CARRIER SHALL RENEW HEALTH BENEFIT PLANS, EXCEPT IN ANY OF
THE FOLLOWING CASES:

(1) NONPAYMENT OF THE REQUIRED PREMIUMS;

(2) FRAUD OR MISREPRESENTATION OF AN ENROLLEE OR A
REPRESENTATIVE OF AN ENROLLEE;

(3) REPEATED MISUSE OF A PROVIDER NETWORK PROVISION
INCLUDING UNREASONABLE REFUSAL OF THE ENROLLEE TO FOLLOW A
PRESCRIBED COURSE OF TREATMENT, ABUSIVE OVER UTILIZATION BY AN
ENROLLEE, OR VIOLATION OF REASONABLE POLICIES OF A CARRIER; OR

(4) THE CARRIER ELECTS TO TERMINATE ALL HEALTH BENEFIT PLANS
IN THE STATE.

(D) (1) A CARRIER THAT ELECTS NOT TO RENEW HEALTH BENEFIT PLANS
SHALL:

(I) PROVIDE ADVANCE NOTICE OF ITS DECISION UNDER THIS
PARAGRAPH TO THE INSURANCE COMMISSIONER;

(II) PROVIDE NOTICE OF THE DECISION TO ENROLLEES AT LEAST
120 DAYS PRIOR TO THE NONRENEWAL OF ANY HEALTH BENEFIT PLAN BY THE
CARRIER.

(2) THE CARRIER SHALL BE PROHIBITED FROM WRITING NEW
BUSINESS IN THE STATE FOR A PERIOD OF 3 YEARS FROM THE DATE OF NOTICE TO
THE INSURANCE COMMISSIONER OR UNTIL THE INSURANCE COMMISSIONER
INVITES THE CARRIER TO RENEW PARTICIPATION, WHICHEVER IS SOONER.

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