{"data":{"id":"us-md/md.-code-insurance-15-1a-05","jurisdiction":"us-md","citation":"Md. Code, Insurance § 15–1A–05","heading":"","body":"(a) This section applies to all grandfathered plans except grandfathered plans that are individual plans and to every health benefit plan that is not a grandfathered plan.\n(b) A carrier may not:\n(1) exclude or limit benefits because a health condition was present before the effective date of coverage; or\n(2) deny coverage because a health condition was present before or on the date of denial.\n(c) The prohibition in subsection (b) of this section applies whether or not:\n(1) any medical advice, diagnosis, care, or treatment was recommended or received for the condition; or\n(2) the health condition was identified as a result of:\n(i) a pre–enrollment questionnaire or physical examination given to an individual; or\n(ii) a review of records relating to the pre–enrollment period.","path":["Article - Insurance"],"source_url":"https://mgaleg.maryland.gov/mgawebsite/Laws/StatuteText?article=gin\u0026section=15-1A-05","current_through":"2026-01-01","vintage":"","retrieved_at":"2026-09-14T19:59:28Z","sha256":"52105b16b48f5bfed5bb2d9f6754c15106d82e2ca377b9ffcae288a3cb897bfa","source_id":"us-md","stale":false,"prev":"us-md/md.-code-insurance-15-1a-04","next":"us-md/md.-code-insurance-15-1a-06"},"notice":"GroundRules: Original legal text. Not legal advice."}