Ch. 60                                     2004 LAWS OF MARYLAND

3. similar supplemental coverage provided to coverage under
an employer sponsored plan.

[(m)] (L)    "Health status-related factor" means a factor related to:

(1)     health status;

(2)     medical condition;

(3)     claims experience;

(4)     receipt of health care;

(5)     medical history;

(6)     genetic information;

(7)     evidence of insurability including conditions arising out of acts of
domestic violence; or

(8)     disability.

[(n)](M) "High level policy form" means a policy or plan under which the
actuarial value of the benefit under the coverage is:

(1)     at least 15% greater than the actuarial value of the low level policy
form coverage offered by the carrier in this State; and

(2) at least 100% but not greater than 120% of the weighted average.

[(o)] (N) (1) "Individual health benefit plan" means:

(i) a health benefit plan other than a converted policy or a
professional association plan for eligible individuals and their dependents; and

(ii) a certificate issued to an eligible individual that evidences
coverage under a policy or contract issued to a trust or association or other similar
group of individuals, regardless of the situs of delivery of the policy or contract, if the
eligible individual pays the premium and is not being covered under the policy or
contract under either federal or State continuation of benefits provisions.

(2)     "Individual health benefit plan" does not include short-term limited
duration insurance.

[(p)] (O) "Low level policy form" means a policy or plan under which the
actuarial value of the benefit under the coverage is at least 85% but not greater than
100% of the weighted average.

[(q)] (P) "Preexisting condition" means a condition that was present before the
date of enrollment for coverage, whether or not any medical advice, diagnosis, care, or
treatment was recommended or received before that date.

[(r) "Preexisting condition provision" means a provision in a health benefit
plan that denies, excludes, or limits benefits for an enrollee for expenses or services
related to a preexisting condition.]

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