§ 376.005 Definitions
§ 376.010 Who may form company — purposes.
§ 376.015 Involuntary unemployment insurance may be issued in connection with ..
§ 376.020 Various companies defined
§ 376.050 Declaration of corporators
§ 376.060 Stock companies — content of charter.
§ 376.070 To be submitted to attorney general
§ 376.080 Director to examine, when
§ 376.090 To furnish certificate of deposit, when
§ 376.100 Mutual companies — contents of charter.
§ 376.110 To be submitted to attorney general
§ 376.120 Director to examine and certify, when
§ 376.130 To furnish certificate of deposit, when
§ 376.142 Stock company may become mutual — procedure — policyholders’ meeting — …
§ 376.143 Stock company may acquire its own shares to be held in trust for mutual — …
§ 376.144 Acquisition of shares of dissenting stockholders, procedure — abandonment …
§ 376.145 Officers of stock company to continue as officers of mutual
§ 376.146 Board of directors or trustees of mutual, membership qualifications, term ..
§ 376.147 Meetings of board of mutual, notice — executive committee of board, powers.
§ 376.148 Policyholders are members of mutual — voting rights — directors may alter …
§ 376.150 Stock and mutual companies — content of charter.
§ 376.160 Formation of stock and mutual companies
§ 376.170 Special deposits for registered policies and annuity bonds
§ 376.180 Certificates as to registration and reserves on policy — policies exempt, …
§ 376.190 Additional deposits required
§ 376.200 Definition of net value
§ 376.210 Excess deposits
§ 376.220 May use realty to secure notes and bonds
§ 376.230 Changing of securities on deposit
§ 376.240 Deposits to be held in trust by director
§ 376.250 Deposits to be kept separate
§ 376.260 Fees collected by director of revenue
§ 376.270 Director may proceed against depositary companies
§ 376.280 Capital necessary to do business — how invested.
§ 376.290 Deposit and transfer of securities
§ 376.291 Applicability and inapplicability
§ 376.292 Definitions
§ 376.293 Permissible investments — written plan for investments required.
§ 376.294 Prohibited acts
§ 376.295 Additional prohibited acts — authorized actions.
§ 376.296 Value of investments, how calculated
§ 376.297 Investment subsidiaries not permitted, when
§ 376.298 Acquisition of rate credit instruments, when
§ 376.300 Equity interests permitted, when
§ 376.301 Tangible personal property interests permitted, when
§ 376.302 Mortgage interests, may be acquired, when — other real estate interests.
§ 376.303 Lending and repurchase, permitted when
§ 376.304 Acquisition of foreign investments, when
§ 376.305 Rulemaking authority
§ 376.306 Cash surrender value, life insurer may lend to policyholder, when
§ 376.307 Limits on acquisition of certain investments
§ 376.308 Secondary mortgage market act, not to preempt health insurer, when
§ 376.309 Separate account defined — establishment of account and special voting or …
§ 376.310 Investment of surplus and reserve funds by foreign companies
§ 376.311 Investment of capital reserve and surplus of life insurance companies in ..
§ 376.325 Any willing provider provision — definitions.
§ 376.330 Securities may be changed
§ 376.350 Reports to director
§ 376.360 Distribution of surplus funds to participating policyholders — method.
§ 376.365 Standard valuation law — definitions.
§ 376.370 Director to value reserves, methods
§ 376.379 Medication synchronization services, offer of coverage required
§ 376.380 Legal minimum standards for valuation — interest rates — valuation manual, …
§ 376.381 Health insurance products, department duties
§ 376.383 Health care claims for reimbursement, how paid, when — definitions — clean …
§ 376.384 Reimbursement of claims, duties of health carriers — claims submitted in …
§ 376.385 Diabetes — insurance coverage for equipment, supplies and self-management …
§ 376.386 Prescription drugs, one co-payment for dosage prescribed
§ 376.387 Pharmacy benefits manager, limitations and restrictions — enforcement.
§ 376.388 Maximum allowable costs — definitions — contract requirements — …
§ 376.390 Reserve liability for group insurance — how computed.
§ 376.391 Co-payments for chiropractic services, cap
§ 376.392 Prescription drug formularies, enrollees to be notified of changes to, when
§ 376.393 Pharmacy benefits manager, license required — definitions — complaints, …
§ 376.395 Definitions for group health conversion policy requirements
§ 376.397 Converted policy to be offered on termination of group health coverage, ..
§ 376.398 Application to all group policies — effective, when.
§ 376.401 Conversion rights — retirees — dependents of insured.
§ 376.403 Benefit levels — group coverage may be provided in lieu of converted policy …
§ 376.404 Specific requirement requests of policyholder may be met by alteration
§ 376.405 Group health and accident policies, approval required — exempt, when, …
§ 376.406 Newborn child to be covered under health policies, extent of coverage — …
§ 376.407 Advance practice nurse, claims for service to be reimbursed, when
§ 376.410 Insurance companies to maintain reserves — exemptions.
§ 376.421 Group health insurance, authorized categories
§ 376.422 Direct response solicitation and sponsoring or endorsing entity, defined — …
§ 376.423 Health insurance, claims for chiropractic services denial, qualified ..
§ 376.424 Group health insurance policies may be extended to insure family members or ..
§ 376.425 Student accident policies, may not limit surgical benefits, when
§ 376.426 Group health policies, required provisions
§ 376.427 Assignment of benefits made by insured to provider — payment, how made — …
§ 376.428 Federal COBRA provisions to apply to group health insurance policies
§ 376.429 Coverage for certain clinical trials for prevention, early detection and ..
§ 376.431 Employees or members of unions or associations, group or group-type basis ..
§ 376.432 Group-type basis, defined
§ 376.433 Self-insurance plans for health care, public entities — subject to Medicaid …
§ 376.434 Carrier liable for claims incurred during grace period, when — exceptions.
§ 376.435 Claim information to be reported, when — covered lives defined.
§ 376.436 Discontinuance notice by carrier, contents — notice forms furnished by …
§ 376.438 Group policies, modifying or amending benefits shall provide extension of ..
§ 376.441 Carrier contract replaced by similar benefit plan of another carrier — …
§ 376.442 Rules and regulations, procedure
§ 376.446 Enrollee cost-sharing responsibilities, health carriers to provide timely ..
§ 376.450 Citation of law — definitions (Missouri HIPAA).
§ 376.451 Standards prohibiting discrimination
§ 376.452 Large group market, renewal or continuation of coverage required — …
§ 376.453 Premium — only cafeteria plans required, when.
§ 376.454 Individual market, renewal or continuation at option of individual — …
§ 376.465 Missouri health insurance rate transparency act — definitions — rate filing …
§ 376.480 Domestic companies may assume risks of foreign companies — duties of director.
§ 376.500 Discriminations, rebates and favors prohibited — contracts to conform to policy.
§ 376.502 Life insurers not to discriminate based on lawful travel destinations — …
§ 376.510 Penalty for violation of section 376.500
§ 376.531 Life insurance policies, consent of insured required, exceptions — …
§ 376.540 Policy, to whom payable
§ 376.562 Charitable, benevolent, educational and religious organizations may be ..
§ 376.570 Foreign executor or administrator
§ 376.580 Misrepresentation
§ 376.590 Misrepresentations, false estimates and circulars prohibited — agents — …
§ 376.600 Penalty for violating section 376.590
§ 376.610 Defense in case of suits
§ 376.620 Suicide, effect on liability — refund of premiums, when.
§ 376.630 Life insurance policies not to be forfeited or become invalid, when
§ 376.640 Paid-up policy may be demanded, when
§ 376.650 Rules of payment on commuted policy
§ 376.660 Foregoing provisions inapplicable, when
§ 376.669 Annuity contract requirements — paid-up annuity benefits, how calculated — …
§ 376.670 Provisions which shall be contained in life insurance policies, exceptions
§ 376.671 Provisions which shall be contained in annuity contracts — inapplicability date.
§ 376.673 Life insurance policies, regulations relative to
§ 376.674 Life insurance policies, no cash surrender value, regulations relative to
§ 376.675 Life insurance policies and annuity contracts to be approved — exemption, …
§ 376.676 Regulation of the valuation of life insurance policies — may adopt NAIC …
§ 376.677 Life policies may be issued that have no cash surrender value prior to ..
§ 376.678 Life insurance policies and annuity contracts, annual statement to holder ..
§ 376.679 Life insurance company may reinsure for risks involving aircraft, limitation
§ 376.680 Assignment of incidents of ownership, group life policy, effect of
§ 376.685 Optometrists, health insurance plans not to limit fees charged unless ..
§ 376.690 Unanticipated out-of-network care, claim procedure — definitions — …
§ 376.691 Group life policies, eligible groups authorized for issue — premiums, how paid.
§ 376.693 Special group life policies, requirements — director’s approval.
§ 376.694 Group life, definitions of direct response solicitation and sponsoring or ..
§ 376.695 Extension of policy to insure for loss due to death of spouse or dependent ..
§ 376.696 Political subdivisions purchasing any insurance policies to submit to ..
§ 376.697 Required provisions for group life policies
§ 376.699 Person insured by group policy entitled to individual life policy, notice ..
§ 376.700 Purpose — use of additional material.
§ 376.702 Application of law — exceptions.
§ 376.704 Definitions
§ 376.706 Delivery of guide and summary required, when
§ 376.708 Required presentations and statements — company to maintain file.
§ 376.710 Effect of omission
§ 376.712 Effective date
§ 376.714 Contents and form of buyer’s guide
§ 376.715 Citation of law, purpose
§ 376.717 Coverages provided, persons covered — coverage not provided, when — maximum …
§ 376.718 Definitions
§ 376.720 Association, created — accounts — director to supervise.
§ 376.722 Board of directors, established, members, how selected — expense reimbursement.
§ 376.724 Impaired insurers, association’s options, duties — insolvent insurers, …
§ 376.725 Terminated coverage, reissuance of, premium set, how — obligation to cease, …
§ 376.726 Nonpayment of premiums, effect of
§ 376.728 Law not applicable, when
§ 376.730 Liens, association may impose, when
§ 376.732 Director to have association’s powers and duties, when — association may …
§ 376.733 Assignment of rights to association by persons receiving benefits, when — …
§ 376.734 Additional powers of association
§ 376.735 Assessments against members, when due, classes — amounts, how determined.
§ 376.737 Deferment of assessment, how, when — maximum assessment — refund of, when — …
§ 376.738 Certificate of contribution, when issued
§ 376.740 Plan of operation, required, approval of director — provisions of plan.
§ 376.742 Director, powers and duties
§ 376.743 Board of directors, powers
§ 376.745 Assessments, offset against tax liability, when, how
§ 376.746 Records of association meetings to be kept — association deemed creditor of …
§ 376.747 Distribution of member insurer assets upon liquidation, priority of ..
§ 376.748 Liquidation, recovery of distributions, when, exceptions, limitations
§ 376.750 Financial report, submitted to director, when — tax exempt status — …
§ 376.752 Member insurer’s deposit with director, exemption from, amount
§ 376.754 Stay of proceedings, insolvent insurer, when
§ 376.755 Advertising, use of guaranty association prohibited
§ 376.756 Summary document, association to prepare, contents — policy not covered by …
§ 376.758 Law inapplicable to insolvent insurers on effective date of law
§ 376.770 Title of law
§ 376.773 Definitions
§ 376.775 Matters required in policies
§ 376.776 Hospital and medical expense provisions extended for certain handicapped ..
§ 376.777 Specifically required provisions — exemptions, when — director’s powers — …
§ 376.778 Payment direct to public hospitals or clinics with or without assignment, ..
§ 376.779 Health insurance policies to offer coverage for treatment of alcoholism — …
§ 376.780 Limits on provisions, effect of conflict of policy with law
§ 376.781 Speech and hearing disorders, companies to offer coverage, when — rules, …
§ 376.782 Mammography — low-dose screening, defined — health care policies to provide …
§ 376.783 Insured bound only if copy of application attached to policy
§ 376.785 What does not constitute waiver of defenses
§ 376.787 Effect of age limit provision
§ 376.789 Definition of actual charge and actual fee
§ 376.790 Limits on applicability of law
§ 376.791 Portion of section 376.777 not applicable to individual health insurance ..
§ 376.800 Misrepresentation made in obtaining individual accident and health policy ..
§ 376.801 Coverage for child health supervision services required — definitions — …
§ 376.805 Elective abortion to be by optional rider and requires additional premium — …
§ 376.806 Refund of health insurance unearned premium on notice of death of insured — …
§ 376.807 Policies not to reduce or deny benefits to persons eligible for medical ..
§ 376.810 Definitions for policy requirements for chemical dependency
§ 376.811 Coverage required for chemical dependency by all insurance and health ..
§ 376.814 Rules and regulations authorized, department of mental health to advise ..
§ 376.816 Adopted children to be provided health care coverage on the same basis as ..
§ 376.818 Eligibility for Medicaid may not be considered by insurers
§ 376.819 MO HealthNet division to have right to payment for health care services ..
§ 376.820 Insurers may not deny coverage of child because of marital status of ..
§ 376.821 Insurers may not cancel health or dental insurance solely because the ..
§ 376.823 Prohibition on kickbacks not applicable for rebates for certain chronic ..
§ 376.845 Definitions — eating disorders, coverage for diagnosis and treatment of — …
§ 376.850 Law, how cited
§ 376.854 Definitions
§ 376.859 Medicare supplement law applicable to what policies — policies not included.
§ 376.864 Policies not to duplicate benefits provided by Medicare — preexisting …
§ 376.869 Standards for policies, minimum, director to adopt
§ 376.874 Requirements of policy, return to policyholders
§ 376.879 Outline of coverage for fair disclosure — furnished to each applicant — …
§ 376.881 Policy certificate front page to contain notice of right to return and ..
§ 376.882 Cancellation of policy, refund required — notification.
§ 376.884 Advertisement to be reviewed by director
§ 376.886 Regulations, requirements — rules, procedure.
§ 376.889 Violations, penalty
§ 376.890 Invalidity of any section regulating Medicare supplement not to affect others
§ 376.891 Definitions
§ 376.892 Surviving spouse may continue coverage, when — divorced or separated spouse …
§ 376.893 Divorced or separated spouse, continuation of coverage, notice — contents …
§ 376.894 Amount of premium, date of payment — termination of right of continuation …
§ 376.900 Definitions
§ 376.905 Administration by department, powers, duties — fees.
§ 376.910 Certificate of authority required
§ 376.915 Application for certificate, content — renewal, content, filed when — …
§ 376.920 Annual statement, form, contents
§ 376.925 Seven-day rescission period, all money or property to be refunded
§ 376.930 Insured to be furnished application for certificate and annual statement, when
§ 376.935 Certificates issued for one year — nontransferable — not endorsement by …
§ 376.940 Escrow account for entrance fees required, released when
§ 376.945 Escrow account, amount required — principal, how released, investment.
§ 376.950 Board of directors, one member to be resident of facility
§ 376.960 Definitions
§ 376.961 Missouri health insurance pool created — members to be all health insurers …
§ 376.962 Plan of operation to be submitted by board — effective when — failure to …
§ 376.964 Board, powers and duties — including providing for issuing policies and …
§ 376.965 Board members not civilly liable for performance of duties, exception
§ 376.966 No employee to lose coverage by enrolling in pool — eligibility for pool …
§ 376.968 Administration of pool by insurer or insurers by competitive bids — …
§ 376.970 Administering insurer to serve for three years subject to removal for cause ..
§ 376.973 Administering insurer at close of fiscal year to make accounting and ..
§ 376.975 Member’s proportion of participation in pool to be determined annually — …
§ 376.978 Director of revenue to determine reduced amount in county foreign insurance ..
§ 376.980 Pool member exempt from taxation of financial institution, may be allowed ..
§ 376.982 Rulemaking procedure
§ 376.984 Abatement or deferring all or part of assessment of member, when — amount …
§ 376.986 Pool to offer medical coverage — premiums, how established — standard risk …
§ 376.987 High deductible health plans and establishment of health savings plans to ..
§ 376.989 No liability, criminal or civil, for participation in pool by members
§ 376.995 Limited mandate health insurance policies defined — certain sections not to …
§ 376.998 Health insurance mandate exemption for excepted benefit plans — definitions …
§ 376.1000 v2 Multiple employer self-insured health plan, defined
§ 376.1002 Certificate of authority required — penalty for noncompliance — law …
§ 376.1005 Application for certificate of authority, form — fee — policy or other …
§ 376.1007 Plan to file copy of bylaws, coverage and agreements with director
§ 376.1010 Excess stop-loss coverage maintained by plan
§ 376.1012 Funds collected from employers held in trust — requirements — board of …
§ 376.1015 Department not to grant approval, when
§ 376.1017 Plan to establish loss reserves — plan to establish surplus account, amount.
§ 376.1020 Plan to maintain principal place of business in Missouri, exception
§ 376.1022 Dissolution of plan, application, procedure, granted when — distribution of …
§ 376.1025 Director may adopt rules
§ 376.1027 Plan in unsound condition, powers of director
§ 376.1030 Agreement of employer to pay benefits, requirements, form — copy filed with …
§ 376.1032 Plan considered insurer, when
§ 376.1035 Chapter 376 applicable to plan
§ 376.1037 Plan subject to premium taxes
§ 376.1040 Plan not to be offered to public — marketing restrictions — exemption — use …
§ 376.1042 Marketing by agent, agency or broker violation of law
§ 376.1045 Injunctive relief, director may seek, when — procedures.
§ 376.1060 Access to dental services not to be sold, assigned, or granted access ..
§ 376.1065 Official notification communications, contracting entity requirements
§ 376.1075 Definitions
§ 376.1077 Administrator to have agreement with insurer, form, contents — termination, how.
§ 376.1080 Payments of premiums and claims deemed paid, when
§ 376.1082 Records maintained by administrator for insurer — director may examine …
§ 376.1083 Advertising restrictions for administrator
§ 376.1084 Insurer responsible for benefits and underwriting practices — insurer to …
§ 376.1085 Premiums held in fiduciary capacity, duties — financial records, duties — …
§ 376.1087 Commissions not to be contingent on savings in payment of claims — may be …
§ 376.1088 Notice to policyholder of administrator, contents, required — disclosure of …
§ 376.1090 Materials delivered to administrator for insured to be promptly delivered
§ 376.1092 Certificate of authority, required, application, contents, fee — refusal to …
§ 376.1093 Annual report filed with director, when — contents — filing fee, amount.
§ 376.1094 Certificate of authority, suspension or revocation, grounds — civil action, …
§ 376.1095 Rules and regulations, promulgation
§ 376.1100 v2 Law, how cited — definitions.
§ 376.1103 Laws applicable, Medicare supplement laws not applicable — purpose — …
§ 376.1106 Policies issued in other states may be issued to residents of Missouri if ..
§ 376.1109 Policies, content requirements, provisions prohibited — rules authorized — …
§ 376.1112 Director to provide buyer’s guide — content — advertising of long-term care …
§ 376.1115 Coverage outline to be delivered to applicants, when, content
§ 376.1118 Benefits funded by a life insurance death benefit acceleration, reports to ..
§ 376.1121 Denial of claim, long-term care insurance, duties of issuer
§ 376.1124 Rescinding of a long-term care policy, permitted when — grounds for …
§ 376.1127 Nonforfeiture benefit option required for long-term care insurance ..
§ 376.1130 Rulemaking authority
§ 376.1186 State-based health benefit exchanges prohibited without statutory authority ..
§ 376.1190 Health care mandates — review by oversight division — actuarial analysis.
§ 376.1199 Coverage for certain obstetrical/gynecological services — exclusion of …
§ 376.1200 v2 Certain policies to offer coverage for treatment of breast cancer — …
§ 376.1209 Mastectomy — mandatory insurance coverage for prosthetic devices and …
§ 376.1210 Maternity benefits, minimum hospital stays, exceptions — notice of …
§ 376.1215 Immunizations, mandated coverage, exceptions, rulemaking
§ 376.1218 Insurance coverage for children enrolled in the Part C early intervention ..
§ 376.1219 PKU formula and low protein modified food products covered by insurance, ..
§ 376.1220 Insurance coverage for newborn hearing screenings mandated
§ 376.1222 Prostheses and scalp prostheses to be provided for children under eighteen ..
§ 376.1224 Definitions — insurance coverage required — limitations on coverage — …
§ 376.1225 Mandated coverage for general anesthesia and hospital charges for dental ..
§ 376.1226 Fee schedule for services not covered under health benefit plans — definitions.
§ 376.1228 Hearing aids coverage for children required — amount of coverage — …
§ 376.1230 Chiropractic care coverage, rates, terms, conditions, limits, and exclusions
§ 376.1232 Insurers to offer coverage for prosthetics
§ 376.1235 No co-payments or coinsurance for physical or occupational therapy ..
§ 376.1237 Refills for prescription eye drops, required, when — definitions.
§ 376.1250 Cancer screening, health insurance coverage required, when, types
§ 376.1253 Second opinion, right of newly diagnosed cancer patients, attending ..
§ 376.1257 Orally administered anticancer medications, plan to provide coverage no ..
§ 376.1275 Coverage for human leukocyte antigen testing for bone marrow ..
§ 376.1290 Coverage for lead testing
§ 376.1300 v2 Reorganization of a domestic mutual life insurance company, authority
§ 376.1305 Formation of holding company, application — shareholder approval.
§ 376.1307 Issuance of shares
§ 376.1309 Member’s interest — nontransference of membership — immunity from liability …
§ 376.1312 Nonapplicability of certain provisions of insurance holding companies law
§ 376.1315 Incorporation of mutual holding company, authority, approval
§ 376.1318 Powers of mutual holding company, engaging in business of insurance, no ..
§ 376.1322 Mutual holding company subject to supervision of director, dissolution or ..
§ 376.1345 Method of reimbursement not to require fee, discount, or remuneration — …
§ 376.1350 Definitions
§ 376.1353 Utilization review activities monitored
§ 376.1356 Utilization review entity monitored, when
§ 376.1359 Written utilization program implemented, filed with the director
§ 376.1361 Documented clinical review criteria used in a utilization program — medical …
§ 376.1363 Utilization review decisions, procedures
§ 376.1364 Unique confirmation number required, prior authorization review — secure …
§ 376.1365 Reconsideration of an adverse determination, when
§ 376.1367 Emergency services benefit determination, coverage required, when
§ 376.1369 Certification of compliance, when
§ 376.1372 Certification and member handbook to include utilization review procedures ..
§ 376.1375 Registry of grievances maintained, procedures — definitions.
§ 376.1378 Grievances and certificate of compliance filed with the director, when
§ 376.1382 First- and second-level grievance review for managed care plans, ..
§ 376.1385 Second-level review procedures
§ 376.1387 Appeals of grievances determined by the director
§ 376.1389 Expedited grievance review procedure
§ 376.1399 Rules, effective, when — rules invalid and void, when.
§ 376.1400 Explanation of benefits, standardized information used, contents, when
§ 376.1403 Referrals, standardized information used, content, when
§ 376.1450 v2 Enrollee’s right to receive documents and materials in printed or ..
§ 376.1500 v2 Definitions
§ 376.1502 Requirements for transaction of business
§ 376.1504 Registration requirements — term of registration — renewal.
§ 376.1506 Violations, penalty
§ 376.1508 Processing fee — cancellation of membership, effect of.
§ 376.1510 Prohibited acts
§ 376.1512 Required disclosures
§ 376.1514 Written agreement required, contents
§ 376.1516 Written membership materials, required contents — forms to be filed with …
§ 376.1516 v2 Written membership materials, required contents — forms to be submitted to …
§ 376.1518 Net worth to be maintained, amount
§ 376.1520 Notice of changes
§ 376.1522 List of providers to be maintained on website
§ 376.1524 Advertising and marketing materials, approval in writing required
§ 376.1528 Rulemaking authority
§ 376.1530 Denial and refusal to issue registrations, when
§ 376.1532 Violations, penalties
§ 376.1550 Mental health coverage, requirements — definitions — exclusions.
§ 376.1551 Federal mental health parity and addiction equity requirements — …
§ 376.1575 Definitions
§ 376.1578 Credentialing procedure, health carrier duties — covered health services, …
§ 376.1590 Status as living organ donor not sole factor for insurance coverage
§ 376.1750 Health care sharing ministry, provisions not to apply to — ministry not …
§ 376.1753 Services related to pregnancy, persons holding ministerial or tocological ..
§ 376.1800 v2 Definitions — medical retainer agreements not insurance — agreement …
§ 376.1900 v2 Definitions — reimbursement for telehealth services, when.
§ 376.2000 v2 Citation of law — definitions.
§ 376.2002 Navigators, license required — permitted acts — prohibited acts — exemptions.
§ 376.2004 Application procedure
§ 376.2006 Term of licensure — renewal — continuing education.
§ 376.2008 Consultation with licensed insurance producer, navigator to advise, when
§ 376.2010 Sanction of license, when — restitution required, when — examination and …
§ 376.2011 Violations, administrative orders, civil actions — penalty.
§ 376.2012 Navigators duty to report, when
§ 376.2014 Applicability — severability — rulemaking authority.
§ 376.2020 Contracts prohibiting disclosure of certain payments and costs are ..
§ 376.2030 Definitions
§ 376.2034 Restriction on step therapy protocol, patient to have access to override ..
§ 376.2036 Enforcement — applicability to health insurance plans, when.
§ 376.2050 Citation of act
§ 376.2051 Definitions
§ 376.2052 Comparison of in-force policies to death master file — violation deemed an …
§ 376.2053 Exemption from requirements, when
§ 376.2080 Funding agreement defined — authority to issue — rulemaking authority.

Terms Used In Missouri Laws > Chapter 376 - Life, Health and Accident Insurance

  • Advice and consent: Under the Constitution, presidential nominations for executive and judicial posts take effect only when confirmed by the Senate, and international treaties become effective only when the Senate approves them by a two-thirds vote.
  • Affidavit: A written statement of facts confirmed by the oath of the party making it, before a notary or officer having authority to administer oaths.
  • Affirmed: In the practice of the appellate courts, the decree or order is declared valid and will stand as rendered in the lower court.
  • Amendment: A proposal to alter the text of a pending bill or other measure by striking out some of it, by inserting new language, or both. Before an amendment becomes part of the measure, thelegislature must agree to it.
  • Amortization: Paying off a loan by regular installments.
  • Annual percentage rate: The cost of credit at a yearly rate. It is calculated in a standard way, taking the average compound interest rate over the term of the loan so borrowers can compare loans. Lenders are required by law to disclose a card account's APR. Source: FDIC
  • Annuity: A periodic (usually annual) payment of a fixed sum of money for either the life of the recipient or for a fixed number of years. A series of payments under a contract from an insurance company, a trust company, or an individual. Annuity payments are made at regular intervals over a period of more than one full year.
  • Appeal: A request made after a trial, asking another court (usually the court of appeals) to decide whether the trial was conducted properly. To make such a request is "to appeal" or "to take an appeal." One who appeals is called the appellant.
  • Appraisal: A determination of property value.
  • Appropriation: The provision of funds, through an annual appropriations act or a permanent law, for federal agencies to make payments out of the Treasury for specified purposes. The formal federal spending process consists of two sequential steps: authorization
  • Assets: (1) The property comprising the estate of a deceased person, or (2) the property in a trust account.
  • Attorney-in-fact: A person who, acting as an agent, is given written authorization by another person to transact business for him (her) out of court.
  • Bankruptcy: Refers to statutes and judicial proceedings involving persons or businesses that cannot pay their debts and seek the assistance of the court in getting a fresh start. Under the protection of the bankruptcy court, debtors may discharge their debts, perhaps by paying a portion of each debt. Bankruptcy judges preside over these proceedings.
  • Baseline: Projection of the receipts, outlays, and other budget amounts that would ensue in the future without any change in existing policy. Baseline projections are used to gauge the extent to which proposed legislation, if enacted into law, would alter current spending and revenue levels.
  • Beneficiary: A person who is entitled to receive the benefits or proceeds of a will, trust, insurance policy, retirement plan, annuity, or other contract. Source: OCC
  • Bequest: Property gifted by will.
  • Common law: The legal system that originated in England and is now in use in the United States. It is based on judicial decisions rather than legislative action.
  • Complaint: A written statement by the plaintiff stating the wrongs allegedly committed by the defendant.
  • Continuance: Putting off of a hearing ot trial until a later time.
  • Contract: A legal written agreement that becomes binding when signed.
  • Conviction: A judgement of guilt against a criminal defendant.
  • Corporation: A legal entity owned by the holders of shares of stock that have been issued, and that can own, receive, and transfer property, and carry on business in its own name.
  • Credit Score: A number, roughly between 300 and 800, that measures an individual's credit worthiness. The most well-known type of credit score is the FICO score. This score represents the answer from a mathematical formula that assigns numerical values to various pieces of information in your credit report. Source: OCC
  • Damages: Money paid by defendants to successful plaintiffs in civil cases to compensate the plaintiffs for their injuries.
  • Decedent: A deceased person.
  • Deed: The legal instrument used to transfer title in real property from one person to another.
  • Defendant: In a civil suit, the person complained against; in a criminal case, the person accused of the crime.
  • Department: the department of commerce and insurance. See Missouri Laws 376.005
  • Dependent: A person dependent for support upon another.
  • Director: the director of the department of commerce and insurance. See Missouri Laws 376.005
  • Discovery: Lawyers' examination, before trial, of facts and documents in possession of the opponents to help the lawyers prepare for trial.
  • Docket: A log containing brief entries of court proceedings.
  • Donor: The person who makes a gift.
  • Electronic funds transfer: The transfer of money between accounts by consumer electronic systems-such as automated teller machines (ATMs) and electronic payment of bills-rather than by check or cash. (Wire transfers, checks, drafts, and paper instruments do not fall into this category.) Source: OCC
  • Equitable: Pertaining to civil suits in "equity" rather than in "law." In English legal history, the courts of "law" could order the payment of damages and could afford no other remedy. See damages. A separate court of "equity" could order someone to do something or to cease to do something. See, e.g., injunction. In American jurisprudence, the federal courts have both legal and equitable power, but the distinction is still an important one. For example, a trial by jury is normally available in "law" cases but not in "equity" cases. Source: U.S. Courts
  • Escheat: Reversion of real or personal property to the state when 1) a person dies without leaving a will and has no heirs, or 2) when the property (such as a bank account) has been inactive for a certain period of time. Source: OCC
  • Escrow: Money given to a third party to be held for payment until certain conditions are met.
  • Evidence: Information presented in testimony or in documents that is used to persuade the fact finder (judge or jury) to decide the case for one side or the other.
  • Ex officio: Literally, by virtue of one's office.
  • Executor: A male person named in a will to carry out the decedent
  • Executor: includes administrator where the subject matter applies to an administrator. See Missouri Laws 1.020
  • Fair market value: The price at which an asset would change hands in a transaction between a willing, informed buyer and a willing, informed seller.
  • Federal Reserve System: The central bank of the United States. The Fed, as it is commonly called, regulates the U.S. monetary and financial system. The Federal Reserve System is composed of a central governmental agency in Washington, D.C. (the Board of Governors) and twelve regional Federal Reserve Banks in major cities throughout the United States. Source: OCC
  • Felony: A crime carrying a penalty of more than a year in prison.
  • Fiduciary: A trustee, executor, or administrator.
  • Fiscal year: The fiscal year is the accounting period for the government. For the federal government, this begins on October 1 and ends on September 30. The fiscal year is designated by the calendar year in which it ends; for example, fiscal year 2006 begins on October 1, 2005 and ends on September 30, 2006.
  • following: when used by way of reference to any section of the statutes, mean the section next preceding or next following that in which the reference is made, unless some other section is expressly designated in the reference. See Missouri Laws 1.020
  • Fraud: Intentional deception resulting in injury to another.
  • funding agreement: means an agreement for an insurer to accept and accumulate funds and to make one or more payments at future dates in amounts that are not based on mortality or morbidity contingencies of the person to whom the funding agreement is issued. See Missouri Laws 376.2080
  • Germane: On the subject of the pending bill or other business; a strict standard of relevance.
  • Gift: A voluntary transfer or conveyance of property without consideration, or for less than full and adequate consideration based on fair market value.
  • Grace period: The number of days you'll have to pay your bill for purchases in full without triggering a finance charge. Source: Federal Reserve
  • Guarantor: A party who agrees to be responsible for the payment of another party's debts should that party default. Source: OCC
  • Guardian: A person legally empowered and charged with the duty of taking care of and managing the property of another person who because of age, intellect, or health, is incapable of managing his (her) own affairs.
  • Guardian: if used in a section in a context relating to property rights or obligations, means conservator of the estate as defined in Missouri Laws 1.020
  • Handicap: means a mental or physical impairment that substantially limits one or more major life activities, whether the impairment is congenital or acquired by accident, injury, or disease, and where the impairment is verified by medical findings. See Missouri Laws 1.020
  • hereafter: means the time after the statute containing it takes effect. See Missouri Laws 1.020
  • Heretofore: means any time previous to the day when the statute containing it takes effect. See Missouri Laws 1.020
  • Incompetent: if used in a section in a context relating to actual occupational ability without reference to a court adjudication of incompetency, means the actual ability of a person to perform in that occupation. See Missouri Laws 1.020
  • Interest rate: The amount paid by a borrower to a lender in exchange for the use of the lender's money for a certain period of time. Interest is paid on loans or on debt instruments, such as notes or bonds, either at regular intervals or as part of a lump sum payment when the issue matures. Source: OCC
  • Joint committee: Committees including membership from both houses of teh legislature. Joint committees are usually established with narrow jurisdictions and normally lack authority to report legislation.
  • Jurisdiction: (1) The legal authority of a court to hear and decide a case. Concurrent jurisdiction exists when two courts have simultaneous responsibility for the same case. (2) The geographic area over which the court has authority to decide cases.
  • Lawsuit: A legal action started by a plaintiff against a defendant based on a complaint that the defendant failed to perform a legal duty, resulting in harm to the plaintiff.
  • Lease: A contract transferring the use of property or occupancy of land, space, structures, or equipment in consideration of a payment (e.g., rent). Source: OCC
  • Liabilities: The aggregate of all debts and other legal obligations of a particular person or legal entity.
  • Lien: A claim against real or personal property in satisfaction of a debt.
  • Life estate: A property interest limited in duration to the life of the individual holding the interest (life tenant).
  • Misdemeanor: Usually a petty offense, a less serious crime than a felony, punishable by less than a year of confinement.
  • Month: means a calendar month, and "year" means a calendar year unless otherwise expressed, and is equivalent to the words year of our Lord. See Missouri Laws 1.020
  • Mortgage: The written agreement pledging property to a creditor as collateral for a loan.
  • Mortgage loan: A loan made by a lender to a borrower for the financing of real property. Source: OCC
  • National Bank: A bank that is subject to the supervision of the Comptroller of the Currency. The Office of the Comptroller of the Currency is a bureau of the U.S. Treasury Department. A national bank can be recognized because it must have "national" or "national association" in its name. Source: OCC
  • Nolo contendere: No contest-has the same effect as a plea of guilty, as far as the criminal sentence is concerned, but may not be considered as an admission of guilt for any other purpose.
  • Oath: A promise to tell the truth.
  • Obligation: An order placed, contract awarded, service received, or similar transaction during a given period that will require payments during the same or a future period.
  • Oversight: Committee review of the activities of a Federal agency or program.
  • Partnership: A voluntary contract between two or more persons to pool some or all of their assets into a business, with the agreement that there will be a proportional sharing of profits and losses.
  • person: may extend and be applied to bodies politic and corporate, and to partnerships and other unincorporated associations. See Missouri Laws 1.020
  • Personal property: includes money, goods, chattels, things in action and evidences of debt. See Missouri Laws 1.020
  • Personal property: All property that is not real property.
  • Place of residence: means the place where the family of any person permanently resides in this state, and the place where any person having no family generally lodges. See Missouri Laws 1.020
  • Plaintiff: The person who files the complaint in a civil lawsuit.
  • Plea: In a criminal case, the defendant's statement pleading "guilty" or "not guilty" in answer to the charges, a declaration made in open court.
  • Precedent: A court decision in an earlier case with facts and law similar to a dispute currently before a court. Precedent will ordinarily govern the decision of a later similar case, unless a party can show that it was wrongly decided or that it differed in some significant way.
  • Probation: A sentencing alternative to imprisonment in which the court releases convicted defendants under supervision as long as certain conditions are observed.
  • Property: includes real and personal property. See Missouri Laws 1.020
  • Public law: A public bill or joint resolution that has passed both chambers and been enacted into law. Public laws have general applicability nationwide.
  • Real property: Land, and all immovable fixtures erected on, growing on, or affixed to the land.
  • Recourse: An arrangement in which a bank retains, in form or in substance, any credit risk directly or indirectly associated with an asset it has sold (in accordance with generally accepted accounting principles) that exceeds a pro rata share of the bank's claim on the asset. If a bank has no claim on an asset it has sold, then the retention of any credit risk is recourse. Source: FDIC
  • Remainder: An interest in property that takes effect in the future at a specified time or after the occurrence of some event, such as the death of a life tenant.
  • Rescission: The cancellation of budget authority previously provided by Congress. The Impoundment Control Act of 1974 specifies that the President may propose to Congress that funds be rescinded. If both Houses have not approved a rescission proposal (by passing legislation) within 45 days of continuous session, any funds being withheld must be made available for obligation.
  • Restitution: The court-ordered payment of money by the defendant to the victim for damages caused by the criminal action.
  • Service of process: The service of writs or summonses to the appropriate party.
  • Settlement: Parties to a lawsuit resolve their difference without having a trial. Settlements often involve the payment of compensation by one party in satisfaction of the other party's claims.
  • State: when applied to any of the United States, includes the District of Columbia and the territories, and the words "United States" includes such district and territories. See Missouri Laws 1.020
  • Statute: A law passed by a legislature.
  • Subpoena: A command to a witness to appear and give testimony.
  • Summons: Another word for subpoena used by the criminal justice system.
  • Testify: Answer questions in court.
  • Trial: A hearing that takes place when the defendant pleads "not guilty" and witnesses are required to come to court to give evidence.
  • Trustee: A person or institution holding and administering property in trust.
  • United States: includes such district and territories. See Missouri Laws 1.020
  • Variable Rate: Having a "variable" rate means that the APR changes from time to time based on fluctuations in an external rate, normally the Prime Rate. This external rate is known as the "index." If the index changes, the variable rate normally changes. Also see Fixed Rate.
  • Venue: The geographical location in which a case is tried.
  • Verdict: The decision of a petit jury or a judge.