misleading language in certain materials provided to insureds and enrollees to
discourage or prohibit access to the 911 system under certain circumstances;
providing for reimbursement of medically necessary services under certain
circumstances; defining a certain term; and generally relating to access to the
911 emergency system by insureds and enrollees.

BY adding to

Article — Insurance

Section 15-126

Annotated Code of Maryland

(1997 Volume and 1998 Supplement)

BY adding to

Article - Health - General
Section 19-706(ff)
Annotated Code of Maryland

(1996 Replacement Volume and 1998 Supplement)

SECTION 1. BE IT ENACTED BY THE GENERAL ASSEMBLY OF
MARYLAND, That the Laws of Maryland read as follows:

Article - Insurance

15-126.

(A) IN THIS SECTION, "EMERGENCY MEDICAL CONDITION" MEANS A MEDICAL
CONDITION MANIFESTING ITSELF BY ACUTE SYMPTOMS OF SUFFICIENT SEVERITY,
INCLUDING SEVERE PAIN, THAT A PRUDENT LAYPERSON, WHO POSSESSES AN
AVERAGE KNOWLEDGE OF HEALTH AND MEDICINE, COULD REASONABLY EXPECT
THE ABSENCE OF IMMEDIATE MEDICAL ATTENTION TO RESULT IN:

(1) PLACING THE HEALTH OF THE INDIVIDUAL, OR WITH RESPECT TO A
PREGNANT WOMAN, THE HEALTH OF THE WOMAN OR UNBORN CHILD, IN SERIOUS
JEOPARDY;

(2) SERIOUS IMPAIRMENT TO BODILY FUNCTIONS; OR

(3) SERIOUS DYSFUNCTION OF ANY BODILY ORGAN OR PART.

(A) IN THIS SECTION, "EMERGENCY MEDICAL CONDITION" MEANS A MEDICAL
CONDITION THAT MANIFESTS ITSELF BY SYMPTOMS OF SUFFICIENT SEVERITY,
INCLUDING SEVERE PAIN, THAT THE ABSENCE OF IMMEDIATE MEDICAL ATTENTION
COULD REASONABLY BE EXPECTED BY A PRUDENT LAYPERSON, WHO POSSESSES AN
AVERAGE KNOWLEDGE OF HEALTH AND MEDICINE, TO RESULT IN:

(1) PLACING THE PATIENT'S HEALTH IN SERIOUS JEOPARDY;

(2) SERIOUS IMPAIRMENT TO BODILY FUNCTIONS; OR

(3) SERIOUS DYSFUNCTION OF ANY BODILY ORGAN OR PART.