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Unfair Discrimination Against Subjects of Abuse in Health Benefit Plans Model Act
Edition and licensing notes
Publisher. National Association of Insurance Commissioners (NAIC)
Status. NAIC model, © NAIC. Brief quotations under fair use; not the enacted law of any state until adopted.
What this document is
Unfair Discrimination Against Subjects of Abuse in Health Benefit Plans Model Act is a naic model law published by National Association of Insurance Commissioners (NAIC). It is one of the documents that insurance license exam questions are written from, including life & health practice questions. This page summarizes it and points to the official version, which is the text to rely on.
Sections cited in practice questions
Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.
- Section 3E
“E. “Confidential abuse information” means information about acts of abuse or abuse status of a subject of abuse, a person’s medical condition that the carrier knows or has reason to know is abuse-related, the address and telephone number (home and work) of a subject of abuse or the status of an...”
- Section 3F
“F. “Health benefit plan” or “plan” means a policy, contract, certificate or agreement offered by a carrier or insurance professional to provide, deliver, arrange for, pay for or reimburse any of the costs of health care services. Health benefit plan includes accident only, credit health, dental,...”
- Section 3G
“G. “Health carrier” means an entity subject to the insurance laws and regulations of this state, or subject to the jurisdiction of the commissioner, that contracts or offers to contract to provide, deliver, arrange for, pay for or reimburse any of the costs of health care services, including a...”
- Section 4C
“C. It is unfairly discriminatory to request information relating to acts of abuse or an applicant’s or insured’s abuse status, or make use of that information, however obtained, except for the limited purposes of complying with legal obligations or verifying a person’s claim to be a subject of abuse.”
- Section 4D
“D. It is unfairly discriminatory to terminate group coverage for a subject of abuse because coverage was originally issued in the name of the abuser and the abuser has divorced, separated from, or lost custody of the subject of abuse, or the abuser’s coverage has terminated voluntarily or...”
- Section 6
“Section 6. Insurance Protocols for Subjects of Abuse Health carriers shall develop and adhere to written policies specifying procedures to be followed by employees and by insurance professionals they contract with, for the purpose of protecting the safety and privacy of a subject of abuse and shall...”
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