§ 58-66-1 – Title.

58-66-1. Title. This Article is known and may be cited as the "Hospital Service Corporation Readable Insurance Certificates Act." (1979, 2nd Sess., c. 1161, s. 1; 2021-169, s. 3(b).)

§ 58-66-10 – Scope of application.

58-66-10. Scope of application. (a) Except as provided in subsection (b) of this section, the provisions of this Article apply to the certificates and contracts of direct insurance and health care coverage that are described in G.S. 58-65-60(a) and (b). (b) Nothing in this Article applies to: (1) Any group contract or certificate, nor any […]

§ 58-66-15 – Definitions.

58-66-15. Definitions. As used in this Article, unless the context clearly indicates otherwise: (1) "Benefit booklet" means any written explanation of insurance coverages or benefits issued by an insurer and which is supplemental to and not a part of an insurance certificate or subscriber contract. (2) "Commissioner" means the Commissioner of Insurance. (3) "Flesch scale […]

§ 58-66-20 – Format requirements.

58-66-20. Format requirements. (a) All certificates and contracts covered by G.S. 58-66-35 must be printed in a type face at least as large as 10 point modern type, one point leaded, be written in a logical and clear order and form, and contain the following items: (1) On the cover, first, or insert page of […]

§ 58-66-25 – Flesch scale analysis readability score; procedures.

58-66-25. Flesch scale analysis readability score; procedures. (a) A Flesch scale analysis readability score will be measured as provided in this section. (b) For certificates containing 10,000 words or less of text, the entire certificate must be analyzed. For certificates containing more than 10,000 words, the readability of two 200-word samples per page may be […]

§ 58-66-30 – Filing requirements; duties of the Commissioner.

58-66-30. Filing requirements; duties of the Commissioner. (a) No insurer may make, issue, amend or renew any certificate or contract after the dates specified in G.S. 58-66-35 for the applicable type of insurance unless the certificate is in compliance with the provisions of G.S. 58-66-20 and 58-66-25, and unless the certificate is filed with the […]

§ 58-66-35 – Application to policies; dates.

58-66-35. Application to policies; dates. (a) The filing requirements of G.S. 58-66-30 apply to all subscribers’ contracts of hospital service corporations as described in G.S. 58-65-60(a) and (b) that are made, issued, amended or renewed after July 1, 1983. (b) Repealed by Session Laws 1995, c. 193, s. 58, effective June 7, 1995. (1979, 2nd […]

§ 58-66-40 – Construction.

58-66-40. Construction. (a) The provisions of this Article will not operate to relieve any insurer from any provision of law regulating the contents or provisions of insurance certificates or contracts nor operate to reduce an insured’s, beneficiary’s or subscriber’s rights or protection granted under any statute or provision of the law. (b) The provisions of […]

§ 58-66-5 – Purpose.

58-66-5. Purpose. The purpose of this Article is to provide that insurance certificates and subscriber contracts under this Article and Article 65 of this Chapter be readable by a person of average intelligence, experience, and education. All insurers are required by this Article to use certificate and contract forms and, where applicable, benefit booklets that […]