Title 27, Title 27 Title 27

A violation of this chapter shall be considered an unfair trade practice pursuant to state law and subject to the penalties provided by state law.

(a) A provider lawfully transacting business in this state prior to the effective date of this act may continue to do so pending approval or disapproval of that person’s application for a license as long as the application is filed with the commissioner not later than thirty (30)…

As used in this chapter: (1) “Advertisement” means any written, electronic, or printed communication or any communication by means of recorded telephone messages or transmitted on radio, television, the internet or similar communications media, including film strips, motion pictu…

(a) No person, wherever located, shall act as a provider or broker with an owner or multiple owners who is a resident of this state without first having obtained a license from the commissioner. If there is more than one owner on a single policy and the owners are residents of di…

(a) The commissioner may suspend, revoke, or refuse to renew the license of any licensee if the commissioner finds that: (1) There was any material misrepresentation in the application for the license; (2) The licensee or any officer, partner, member, or director has been guilty …

(a) No person may use any form of life settlement contract in this state unless it has been filed with and approved, if required, by the commissioner in a manner that conforms with the filing procedures and any time restrictions or deeming provisions, if any, for life insurance f…

(a)(1) For any policy settled within five (5) years of policy issuance, each provider shall file with the commissioner on or before March 1 of each year an annual statement containing such information as the commissioner may prescribe by regulation. In addition to any other requi…

(a) The commissioner may, when the commissioner deems it reasonably necessary to protect the interests of the public, examine the business and affairs of any licensee or applicant for a license. The commissioner may order any licensee or applicant to produce any records, books, f…

(a) A broker or provider licensed pursuant to this chapter may conduct or participate in advertisements within this state. Such advertisements shall comply with all Rhode Island advertising and marketing laws or rules and regulations promulgated by the commissioner that are appli…

(a) The provider or broker shall provide in writing, in a separate document that is signed by the owner, the following information to the owner no later than the date of application for a life settlement contract: (1) The fact that possible alternatives to life settlement contrac…

(a) This chapter shall be known and may be cited as the “Rhode Island Public School Employee Uniform Benefit Act.” (b) The purpose of this chapter is to create uniform medical and prescription drug benefit plan designs for Rhode Island school district and charter school employees…

(a) Upon recommendation of the uniform healthcare benefit plan designs or at such other time as specified herein or as specified in §§ 28-9.3-2 and 28-9.4-3, all public school districts and charter schools may implement one or more benefit plan design(s) including, but not limite…

(a) There is established the board of directors of the Rhode Island uniform public school employees’ healthcare benefits program (“board”). (b) The board shall consist of twelve (12) members, as follows: (1) Two (2) members shall be appointed by the president of the Rhode Island …

The board shall have the following powers, duties, and functions relative to active full-time certified employees pursuant to § 28-9.3-2, and active full-time school district employees pursuant to § 28-9.4-3: (1) To design and recommend, with input and recommendations from the te…

(a) The board shall elect from its own membership such officers as it sees fit. (b) Seven (7) members of the board in office shall constitute a quorum. (c) Decisions of the board shall be made by a majority vote of the members present. (d) Meetings may be called by the chair, or …

This chapter shall be known as the “Discount Medical Plan Organization Act.”

(a) A discount medical plan organization may market directly or contract with other marketers for the distribution of its product. (b) The discount medical plan organization shall have an executed written agreement with a marketer prior to the marketer’s marketing, promoting, sel…

(a) All advertisements, marketing materials, brochures, discount medical plan cards, and any other communications of a discount medical plan organization provided to prospective members and members shall be truthful and not misleading in fact or in implication. An advertisement, …

Each discount medical plan organization shall provide the commissioner at least thirty (30) days’ advance notice of any change in the discount medical plan organization’s name, address, principal business address or mailing address or Internet website address.

(a) If the information required in subsection (b) of this section is not provided at the time of renewal of a certificate of registration under § 27-74-5, a discount medical plan organization shall file an annual report with the commissioner in the form prescribed by the commissi…

(a) In addition to the penalties and other enforcement provisions of this chapter or under § 42-14-16, any person who willfully violates this chapter is subject to civil penalties of up to ten thousand dollars ($10,000) per violation. (b) A person that willfully operates as or ai…

(a) In addition to the penalties and other enforcement provisions of this act, the commissioner or the department of the attorney general may seek both temporary and permanent injunctive relief when: (1) A discount medical plan is being operated by a person or entity that is not …

The commissioner shall adopt regulations to carry out the provisions of this chapter, including standards for readability of advertisements, marketing materials, brochures, discount medical plan cards, and any other communications by discount medical plan organizations to members…

If any provision of this act, or the application of the provision to any person or circumstance shall be held invalid, the remainder of the act, and the application of the provision to persons or circumstances other than those to which it is held invalid, shall not be affected.

Any discount medical plan organization doing business in or from this state on or after March 1, 2011, shall comply with the requirements of this chapter.

The purpose of this chapter is to promote the public interest by establishing standards for discount medical plan organizations; protect consumers from unfair or deceptive marketing, sales, or enrollment practices; and facilitate consumer understanding of the role and function of…

As used in this chapter: (1) “Affiliate” means a person that directly, or indirectly through one or more intermediaries, controls, or is controlled by, or is under common control with, the person specified. (2) “Ancillary services” includes, but is not limited to, audiology, dent…

(a) This chapter applies to all discount medical plan organizations doing business in or from this state. (b) A discount medical plan organization that is a licensed health insurer or health maintenance organization or a nonprofit hospital and medical service corporation is not r…

(a) Before doing business in or from this state as a discount medical plan organization, a person shall obtain a certificate of registration from the commissioner to operate as a discount medical plan organization. (b) Each application for a certificate of registration to operate…

(a) Each registered discount medical plan organization shall maintain in force a surety bond in its own name in an amount not less than fifty thousand dollars ($50,000) to be used in the discretion of the commissioner to protect the financial interest of members, including, but n…

(a) The commissioner may examine or investigate the business and affairs of any discount medical plan organization to protect the interests of the residents of this state based on the following reasons, including, but not limited to, complaint indices, recent complaints, informat…

(a) A discount medical plan organization may charge a periodic charge as well as a reasonable one-time processing fee for a discount medical plan. (b) If a member cancels his or her membership in the discount medical plan organization within the first thirty (30) days after the d…

(a) A discount medical plan organization shall have a written provider agreement with all providers offering medical or ancillary services to its members. The written provider agreement may be entered into directly with the provider or indirectly with a provider network to which …

Except for the provisions of § 27-76-6, the provisions of this chapter shall be applicable only to personal lines residential property insurance on dwelling houses.

(a) The provisions of this section shall be applicable to policies issuing or renewing on or after July 1, 2008. (b) In all instances where an insurance company licensed to do business in this state offers or includes any deductible and/or mitigation measure related to the deduct…

(a) For all deductibles as provided for in § 27-76-2, the deductible may only be applied once to all hurricane losses that are subject to the hurricane deductible during the calendar year. (b) If an insured incurs a hurricane loss from more than one hurricane during a calendar ye…

No insurance policy or contract covering damages to personal lines residential property may be canceled or nonrenewed, nor may the premium for such a policy be increased solely as a result of inquiries or claims made under the policy that resulted in no loss payout or resulted in…

The department of business regulation is hereby authorized to establish by regulation a nonadversarial, nonbinding alternative dispute resolution procedure for the effective, fair, and timely handling of personal lines insurance claims arising out of damages to residential proper…

(a) The department of business regulation may promulgate regulations to take effect upon the declaration of a catastrophe, as declared by a nationally recognized catastrophe loss index provider, that address any of the following or other matters related to the catastrophe for ins…

No insurer may refuse to insure, cancel, nonrenew, or surcharge an insurance policy covering damages to personal lines residential property based solely upon prior claim experience for property damage claims at the insured property while under the ownership of someone other than …

No insurer may refuse to insure, cancel, nonrenew, or surcharge a policy or contract covering damages to personal lines residential property solely as a result of damages sustained in a catastrophic event.

If a court holds any section or portion of a section of this chapter or the applicability thereof to any person or circumstance invalid, the remainder of the chapter shall not be affected thereby.

The purpose of this chapter is to provide the requirements for maintaining a risk management framework, and completing an own risk and solvency assessment (ORSA) and provide guidance and instructions for filing an ORSA summary report with the insurance commissioner of this state.…

If any provision of this chapter, or the application thereof to any person or circumstance, is held invalid, such determination shall not affect the provisions or applications of this chapter which can be given effect without the invalid provision or application, and to that end …

For purposes of this chapter: (1) “Commissioner” means the director of the department of business regulation or his or her designee. (2) “Insurance group.” For the purpose of conducting an ORSA, the term “insurance group” means those insurers and affiliates included within an ins…

An insurer shall maintain a risk management framework to assist the insurer with identifying, assessing, monitoring, managing, and reporting on its material and relevant risks. This requirement may be satisfied if the insurance group of which the insurer is a member maintains a r…