S.B. 475 VETOES

(iii) the age of the insured attained on the effective date of the
individual policy; AND

(5) THE INSURED IS ENTITLED TO WRITTEN NOTICE OF THE INSURED'S
RIGHTS UNDER THIS SECTION AT LEAST 15 DAYS PRIOR TO THE EXPIRATION OF THE
CONVERSION PERIOD PROVIDED FOR IN ITEM (1) OF THIS SUBSECTION

(B) (1) IF THE INSURED IS NOT PROVIDED WITH THE NOTICE REQUIRED
UNDER SUBSECTION (A)(5) OF THIS SECTION THE INSURED SHALL HAVE AN
ADDITIONAL 15 DAYS FROM THE DATE ON WHICH WRITTEN NOTICE IS RECEIVED TO
MAKE APPLICATION FOR THE INDIVIDUAL POLICY AND PAY THE FIRST PREMIUM TO
THE INSURER

(2) IN NO EVENT SHALL THE ADDITIONAL PERIOD PROVIDED UNDER
PARAGRAPH (1) OF THIS SUBSECTION EXTEND BEYOND 60 DAYS AFTER THE
EXPIRATION OF THE CONVERSION PERIOD PROVIDED FOR IN SUBSECTION (A)(1) OF
THIS SECTION.

[(b)] (C) For purposes of subsection (a)(3) of this section, insurance that
matures on or before the date of the termination of employment or membership as an
endowment payable to the insured, whether in one sum, in installments, or in the form
of an annuity, may not be included in the amount of life insurance that is considered to
cease because of the termination of employment or membership.

SECTION 2. AND BE IT FURTHER ENACTED, That this Act shall take effect
October 1, 1999.

May 27, 1999

The Honorable Thomas V. Mike Miller, Jr.
President of the Senate
State House
Annapolis MD 21401

Dear Mr. President:

In accordance with Article II, Section 17 of the Maryland Constitution, I have today
vetoed Senate Bill 475.

This bill requires an HMO to reimburse an urgent care facility physician, oral
surgeon, periodontist or podiatrist for providing any follow-up care related to the
condition for which a covered surgical procedure was performed. This bill also
prohibits an HMO from imposing any copayment or other cost-sharing requirement
on the member that exceeds what the member is required to pay for services rendered
by a physician who is a member of the HMO's provider panel.

House Bill 576, which was passed by the General Assembly and signed by me on May
27, 1999, accomplishes the same purpose. Therefore, it is not necessary for me to sign
Senate Bill 475.

Sincerely,