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	GENERAL PROVISIONS
376.005	Definitions. (8/28/2008)
376.010	Who may form company — purposes. (8/28/2012)
376.015	Involuntary unemployment insurance may be issued in connection with extension of credit or certain group life insurance, requirements. (8/28/2012)
376.020	Various companies defined. (8/28/1939)
376.050	Declaration of corporators. (8/28/1939)
376.060	Stock companies — content of charter. (8/28/1943)
376.070	To be submitted to attorney general. (8/28/1957)
376.080	Director to examine, when. (8/28/1967)
376.090	To furnish certificate of deposit, when. (8/28/1939)
376.100	Mutual companies — contents of charter. (8/28/1951)
376.110	To be submitted to attorney general. (8/28/1957)
376.120	Director to examine and certify, when. (8/28/1939)
376.130	To furnish certificate of deposit, when. (8/28/1939)
376.142	Stock company may become mutual — procedure — policyholders' meeting — acquisition of stock. (8/28/1957)
376.143	Stock company may acquire its own shares to be held in trust for mutual — appointment, powers and duties of trustees. (8/28/1957)
376.144	Acquisition of shares of dissenting stockholders, procedure — abandonment of mutualization. (8/28/1957)
376.145	Officers of stock company to continue as officers of mutual. (8/28/1957)
376.146	Board of directors or trustees of mutual, membership qualifications, term of office. (8/28/1976)
376.147	Meetings of board of mutual, notice — executive committee of board, powers. (8/28/1957)
376.148	Policyholders are members of mutual — voting rights — directors may alter articles — additional assessments prohibited. (8/28/1957)
376.150	Stock and mutual companies — content of charter. (8/28/1939)
376.160	Formation of stock and mutual companies. (8/28/1939)
376.170	Special deposits for registered policies and annuity bonds. (8/28/2007)
376.180	Certificates as to registration and reserves on policy — policies exempt, exceptions. (8/28/1969)
376.190	Additional deposits required. (8/28/2007)
376.200	Definition of net value. (8/28/1939)
376.210	Excess deposits. (8/28/1939)
376.220	May use realty to secure notes and bonds. (8/28/1939)
376.230	Changing of securities on deposit. (8/28/1939)
376.240	Deposits to be held in trust by director. (8/28/1939)
376.250	Deposits to be kept separate. (8/28/1939)
376.260	Fees collected by director of revenue. (8/28/1945)
376.270	Director may proceed against depositary companies. (8/28/1939)
376.280	Capital necessary to do business — how invested. (8/28/2007)
376.290	Deposit and transfer of securities. (8/28/1982)
376.291	Applicability and inapplicability. (8/28/2007)
376.292	Definitions. (8/28/2007)
376.293	Permissible investments — written plan for investments required. (8/28/2007)
376.294	Prohibited acts. (8/28/2007)
376.295	Additional prohibited acts — authorized actions. (8/28/2007)
376.296	Value of investments, how calculated. (8/28/2007)
376.297	Investment subsidiaries not permitted, when. (8/28/2007)
376.298	Acquisition of rate credit instruments, when. (8/28/2007)
376.300	Equity interests permitted, when. (8/28/2007)
376.301	Tangible personal property interests permitted, when. (8/28/2007)
376.302	Mortgage interests, may be acquired, when — other real estate interests. (8/28/2007)
376.303	Lending and repurchase, permitted when. (8/28/2007)
376.304	Acquisition of foreign investments, when. (8/28/2007)
376.305	Rulemaking authority. (8/28/2007)
376.306	Cash surrender value, life insurer may lend to policyholder, when. (8/28/2007)
376.307	Limits on acquisition of certain investments. (8/28/2012)
376.308	Secondary mortgage market act, not to preempt health insurer, when. (8/28/1991)
376.309	Separate account defined — establishment of account and special voting or control rights authorized — approved investments — approval of director required. (8/28/2007)
376.310	Investment of surplus and reserve funds by foreign companies. (8/28/1945)
376.311	Investment of capital reserve and surplus of life insurance companies in investment pools — definitions — qualifications — requirements. (8/28/2002)
376.325	Any willing provider provision — definitions. (8/28/2013)
376.330	Securities may be changed. (8/28/1939)
376.350	Reports to director. (8/28/2000)
376.360	Distribution of surplus funds to participating policyholders — method. (8/28/1945)
376.365	Standard valuation law — definitions. (8/28/2015)
376.370	Director to value reserves, methods. (8/28/2015)
376.379	Medication synchronization services, offer of coverage required. (8/28/2016)
376.380	Legal minimum standards for valuation — interest rates — valuation manual, operative date, effect of — reserves required — confidential information — exemptions for specific product forms or product lines. (8/28/2022)
376.381	Health insurance products, department duties. (7/12/2013)
376.383	Health care claims for reimbursement, how paid, when — definitions — clean claims, procedure — unpaid claims, procedure — fraudulent claims, notification to the department, procedure — requests for additional information, contents. (8/28/2020)
376.384	Reimbursement of claims, duties of health carriers — claims submitted in electronic format, when — compliance monitored by department — complaint procedures developed — standard medical code sets required, when — rulemaking authority. (1/1/2002)
376.385	Diabetes — insurance coverage for equipment, supplies and self-management training. (8/28/1997)
376.386	Prescription drugs, one co-payment for dosage prescribed. (8/28/2006)
376.387	Pharmacy benefits manager, limitations and restrictions — enforcement. (8/28/2020)
376.388	Maximum allowable costs — definitions — contract requirements — reimbursement — appeals process required. (8/28/2016)
376.390	Reserve liability for group insurance — how computed. (8/28/1943)
376.391	Co-payments for chiropractic services, cap. (8/28/2009)
376.392	Prescription drug formularies, enrollees to be notified of changes to, when. (1/1/2008)
376.393	Pharmacy benefits manager, license required — definitions — complaints, procedure. (8/28/2020)
376.395	Definitions for group health conversion policy requirements. (1/1/1983)
376.397	Converted policy to be offered on termination of group health coverage, when — exceptions — terms and conditions. (1/1/1983)
376.398	Application to all group policies — effective, when. (1/1/1983)
376.401	Conversion rights — retirees — dependents of insured. (1/1/1983)
376.403	Benefit levels — group coverage may be provided in lieu of converted policy — delivery outside state, form. (1/1/1983)
376.404	Specific requirement requests of policyholder may be met by alteration. (1/1/1983)
376.405	Group health and accident policies, approval required — exempt, when, director's powers. (8/28/2013)
376.406	Newborn child to be covered under health policies, extent of coverage — notification of birth, when, effect of — definitions. (8/28/2001)
376.407	Advance practice nurse, claims for service to be reimbursed, when. (8/28/1998)
376.410	Insurance companies to maintain reserves — exemptions. (8/28/1945)
376.414	340B drugs — definitions — acquisition not to be restricted, when — complaint procedure — rulemaking authority. (8/28/2024)
376.421	Group health insurance, authorized categories. (8/28/2021)
376.422	Direct response solicitation and sponsoring or endorsing entity, defined — certain group or individual insurers paying compensation to policyholder or sponsoring entity to notify policyholders. (8/28/1985)
376.423	Health insurance, claims for chiropractic services denial, qualified chiropractor to review, qualifications — investigation by department, when. (8/28/1997)
376.424	Group health insurance policies may be extended to insure family members or dependents. (8/28/1985)
376.425	Student accident policies, may not limit surgical benefits, when. (1/1/1993)
376.426	Group health policies, required provisions. (8/28/2013)
376.427	Assignment of benefits made by insured to provider — payment, how made — exceptions — all claims to be paid, when — out-of-network services, how paid. (8/28/2024)
376.428	Federal COBRA provisions to apply to group health insurance policies. (6/26/2009)
376.429	Coverage for certain clinical trials for prevention, early detection and treatment of cancer, restrictions — definitions — exclusions. (8/28/2006)
376.431	Employees or members of unions or associations, group or group-type basis coverage, sections 376.431 to 376.442 to apply. (8/28/1999)
376.432	Group-type basis, defined. (8/28/1999)
376.433	Self-insurance plans for health care, public entities — subject to Medicaid rights, obligations, and remedies. (8/28/2004)
376.434	Carrier liable for claims incurred during grace period, when — exceptions. (8/28/1985)
376.435	Claim information to be reported, when — covered lives defined. (8/28/2007)
376.436	Discontinuance notice by carrier, contents — notice forms furnished by carrier for distribution to policyholders. (8/28/1999)
376.438	Group policies, modifying or amending benefits shall provide extension of benefits in event of total disability at date of termination or discontinuance. (8/28/1999)
376.441	Carrier contract replaced by similar benefit plan of another carrier — liability of prior carrier — succeeding carrier coverage requirements. (8/28/1999)
376.442	Rules and regulations, procedure. (8/28/1993)
376.446	Enrollee cost-sharing responsibilities, health carriers to provide timely information — exceptions. (8/28/2011)
376.450	Citation of law — definitions (Missouri HIPAA). (1/1/2008)
376.451	Standards prohibiting discrimination. (1/1/2008)
376.452	Large group market, renewal or continuation of coverage required — nonrenewal or discontinuation permitted, when — conditions for discontinuation. (1/1/2008)
376.453	Premium — only cafeteria plans required, when. (1/1/2008)
376.454	Individual market, renewal or continuation at option of individual — nonrenewal or discontinuation permitted, when — discontinuation of a type of coverage, procedure. (1/1/2008)
376.465	Missouri health insurance rate transparency act — definitions — rate filing requirements, procedure — rulemaking authority. (8/28/2016)
376.480	Domestic companies may assume risks of foreign companies — duties of director. (8/28/1939)
376.500	Discriminations, rebates and favors prohibited — contracts to conform to policy. (8/28/1965)
376.502	Life insurers not to discriminate based on lawful travel destinations — violations, penalty. (8/28/2009)
376.510	Penalty for violation of section 376.500. (8/28/1939)
376.531	Life insurance policies, consent of insured required, exceptions — employers have insurable interest in employees, when, effects. (8/28/1994)
376.540	Policy, to whom payable. (8/28/1983)
376.562	Charitable, benevolent, educational and religious organizations may be beneficiary or owner of policy, life insurance, when — fraud or coercion, exception. (8/28/1997)
376.570	Foreign executor or administrator. (8/28/1939)
376.580	Misrepresentation. (8/28/1939)
376.590	Misrepresentations, false estimates and circulars prohibited — agents — notes to be held until policy delivered. (8/28/1939)
376.600	Penalty for violating section 376.590. (8/28/1939)
376.610	Defense in case of suits. (8/28/1939)
376.620	Suicide, effect on liability — refund of premiums, when. (8/28/2017)
376.630	Life insurance policies not to be forfeited or become invalid, when. (8/28/1943)
376.640	Paid-up policy may be demanded, when. (8/28/1943)
376.650	Rules of payment on commuted policy. (8/28/1943)
376.660	Foregoing provisions inapplicable, when. (8/28/1943)
376.669	Annuity contract requirements — paid-up annuity benefits, how calculated — cash surrender benefits, how calculated — applicable, when. (6/21/2004)
376.670	Provisions which shall be contained in life insurance policies, exceptions. (8/28/2015)
376.671	Provisions which shall be contained in annuity contracts — inapplicability date. (8/28/2010)
376.673	Life insurance policies, regulations relative to. (8/28/1967)
376.674	Life insurance policies, no cash surrender value, regulations relative to. (8/28/1987)
376.675	Life insurance policies and annuity contracts to be approved — exemption, when — director's powers — judicial review of disapproval. (8/28/1984)
376.676	Regulation of the valuation of life insurance policies — may adopt NAIC model regulation. (6/27/2000)
376.677	Life policies may be issued that have no cash surrender value prior to death — no policy loans so law regulating not applicable — requirements to issue. (8/28/1987)
376.678	Life insurance policies and annuity contracts, annual statement to holder required — company to furnish policy or contract information to holder upon request. (8/28/1987)
376.679	Life insurance company may reinsure for risks involving aircraft, limitation. (1/1/1993)
376.680	Assignment of incidents of ownership, group life policy, effect of. (8/28/1971)
376.685	Optometrists, health insurance plans not to limit fees charged unless reimbursed by plan — requirements — definitions. (8/28/2016)
376.690	Unanticipated out-of-network care, claim procedure — definitions — limitation on amount billed to patient — external arbitration process — rulemaking authority. (8/28/2019)
	GROUP LIFE INSURANCE
376.691	Group life policies, eligible groups authorized for issue — premiums, how paid. (8/28/1987)
376.693	Special group life policies, requirements — director's approval. (8/28/1982)
376.694	Group life, definitions of direct response solicitation and sponsoring or endorsing entity — certain insurers required to give notice of compensation to policyholder or endorsing entity. (8/28/1985)
376.695	Extension of policy to insure for loss due to death of spouse or dependent children, requirements, limitations. (8/28/1985)
376.696	Political subdivisions purchasing any insurance policies to submit to competitive bidding, when — renewal between bidding periods deemed extension. (8/28/1985)
376.697	Required provisions for group life policies. (8/28/1982)
376.699	Person insured by group policy entitled to individual life policy, notice requirements. (8/28/1982)
	BUYER'S GUIDE
376.700	Purpose — use of additional material. (8/28/1979)
376.702	Application of law — exceptions. (8/28/1979)
376.704	Definitions. (8/28/1979)
376.706	Delivery of guide and summary required, when. (8/28/1979)
376.708	Required presentations and statements — company to maintain file. (8/28/1979)
376.710	Effect of omission. (8/28/1979)
376.712	Effective date. (8/28/1979)
376.714	Contents and form of buyer's guide. (8/28/1979)
	GUARANTY ASSOCIATION — LIFE AND HEALTH INSURANCE
	Effective date of certain amendments, 376.758
376.715	Citation of law, purpose. (8/28/2018)
376.717	Coverages provided, persons covered — coverage not provided, when — maximum benefits allowable. (8/28/2018)
376.718	Definitions. (8/28/2018)
376.720	Association, created — accounts — director to supervise. (8/28/2018)
376.722	Board of directors, established, members, how selected — expense reimbursement. (8/28/2018)
376.724	Impaired insurers, association's options, duties — insolvent insurers, association's options, duties — alternative policies, requirements. (8/28/2018)
376.725	Terminated coverage, reissuance of, premium set, how — obligation to cease, date — interest rate, guaranteed minimum. (8/28/2018)
376.726	Nonpayment of premiums, effect of. (8/28/2018)
376.728	Law not applicable, when. (8/28/1988)
376.730	Liens, association may impose, when. (8/28/1988)
376.732	Director to have association's powers and duties, when — association may appear in court, when. (8/28/2010)
376.733	Assignment of rights to association by persons receiving benefits, when — subrogation rights. (8/28/2018)
376.734	Additional powers of association. (8/28/2018)
376.735	Assessments against members, when due, classes — amounts, how determined. (8/28/2018)
376.737	Deferment of assessment, how, when — maximum assessment — refund of, when — members may increase premiums to cover assessments. (8/28/2018)
376.738	Certificate of contribution, when issued. (8/28/2018)
376.740	Plan of operation, required, approval of director — provisions of plan. (8/28/2010)
376.742	Director, powers and duties. (8/28/2018)
376.743	Board of directors, powers. (8/28/2018)
376.745	Assessments, offset against tax liability, when, how. (8/28/1988)
376.746	Records of association meetings to be kept — association deemed creditor of insolvent or impaired insured. (8/28/2018)
376.747	Distribution of member insurer assets upon liquidation, priority of association. (8/28/2018)
376.748	Liquidation, recovery of distributions, when, exceptions, limitations. (8/28/2018)
376.750	Financial report, submitted to director, when — tax exempt status — immunity from liability. (8/28/1988)
376.752	Member insurer's deposit with director, exemption from, amount. (8/28/1988)
376.754	Stay of proceedings, insolvent insurer, when. (8/28/1988)
376.755	Advertising, use of guaranty association prohibited. (8/28/2018)
376.756	Summary document, association to prepare, contents — policy not covered by guaranty association to contain notice, form determined by director. (8/28/2018)
376.758	Law inapplicable to insolvent insurers on effective date of law. (8/28/2018)
	INDIVIDUAL ACCIDENT AND SICKNESS INSURANCE
376.770	Title of law. (8/28/1959)
376.773	Definitions. (8/28/1959)
376.775	Matters required in policies. (8/28/1959)
376.776	Hospital and medical expense provisions extended for certain handicapped and dependent children past normal coverage age. (1/1/2008)
376.777	Specifically required provisions — exemptions, when — director's powers — inapplicability of certain provisions to individual health insurance coverage. (8/28/2013)
376.778	Payment direct to public hospitals or clinics with or without assignment, when — provisions required in contracts. (8/28/1983)
376.779	Health insurance policies to offer coverage for treatment of alcoholism — exclusions. (8/28/2004)
376.780	Limits on provisions, effect of conflict of policy with law. (8/28/1959)
376.781	Speech and hearing disorders, companies to offer coverage, when — rules, procedure. (8/28/1995)
376.782	Mammography — low-dose screening, defined — health care policies to provide required coverage — no physician referral, when. (8/28/2023)
376.783	Insured bound only if copy of application attached to policy. (8/28/1959)
376.785	What does not constitute waiver of defenses. (8/28/1959)
376.787	Effect of age limit provision. (8/28/1959)
376.789	Definition of actual charge and actual fee. (8/28/2009)
376.790	Limits on applicability of law. (8/28/1959)
376.791	Portion of section 376.777 not applicable to individual health insurance coverage. (8/28/2015)
376.800	Misrepresentation made in obtaining individual accident and health policy no defense, exception. (8/28/1967)
376.801	Coverage for child health supervision services required — definitions — permitted limitations on benefits. (8/28/1989)
376.805	Elective abortion to be by optional rider and requires additional premium — elective abortion defined — health insurance exchanges not to offer coverage for elective abortions. (8/28/2010)
376.806	Refund of health insurance unearned premium on notice of death of insured — refunded to whom — definitions — exception — failure to notify within one year. (8/28/1991)
376.807	Policies not to reduce or deny benefits to persons eligible for medical assistance — deemed primary contract. (8/28/1988)
376.810	Definitions for policy requirements for chemical dependency. (8/28/2014)
376.811	Coverage required for chemical dependency by all insurance and health service corporations — minimum standards — offer of coverage may be accepted or rejected by policyholders, companies may offer as standard coverage — mental health benefits provided, when — exclusions. (8/28/2018)
376.814	Rules and regulations authorized, department of mental health to advise department — procedure. (8/28/1993)
376.816	Adopted children to be provided health care coverage on the same basis as other dependents — effective from date of birth or on placement — placement defined. (8/28/2010)
376.818	Eligibility for Medicaid may not be considered by insurers. (7/1/1994)
376.819	MO HealthNet division to have right to payment for health care services provided. (8/28/2014)
376.820	Insurers may not deny coverage of child because of marital status of parents, residence or income tax dependency claim. (7/1/1994)
376.821	Insurers may not cancel health or dental insurance solely because the insured is incarcerated — insurer, defined. (8/28/1995)
376.823	Prohibition on kickbacks not applicable for rebates for certain chronic illnesses. (8/28/2005)
	EATING DISORDERS
376.845	Definitions — eating disorders, coverage for diagnosis and treatment of — limitations on coverage. (8/28/2015)
	MEDICARE SUPPLEMENT INSURANCE
376.850	Law, how cited. (8/28/1989)
376.854	Definitions. (4/26/1996)
376.859	Medicare supplement law applicable to what policies — policies not included. (4/26/1996)
376.864	Policies not to duplicate benefits provided by Medicare — preexisting conditions, limitations on — director to issue rules establishing standards. (4/26/1996)
376.869	Standards for policies, minimum, director to adopt. (4/26/1996)
376.874	Requirements of policy, return to policyholders. (7/6/1992)
376.879	Outline of coverage for fair disclosure — furnished to each applicant — format and content — rules and standards. (4/26/1996)
376.881	Policy certificate front page to contain notice of right to return and receive premium refund. (7/6/1992)
376.882	Cancellation of policy, refund required — notification. (8/28/2010)
376.884	Advertisement to be reviewed by director. (7/6/1992)
376.886	Regulations, requirements — rules, procedure. (4/26/1996)
376.889	Violations, penalty. (8/28/2007)
376.890	Invalidity of any section regulating Medicare supplement not to affect others. (8/28/1989)
	SPOUSAL COVERAGE CONTINUATION
376.891	Definitions. (8/28/1993)
376.892	Surviving spouse may continue coverage, when — divorced or separated spouse may continue coverage, when — services offered. (8/28/1993)
376.893	Divorced or separated spouse, continuation of coverage, notice — contents of notice — failure to elect, effect — application. (8/28/1996)
376.894	Amount of premium, date of payment — termination of right of continuation of coverage, grounds. (8/28/1993)
	LIFE CARE CONTRACTS
376.900	Definitions. (8/28/1981)
376.905	Administration by department, powers, duties — fees. (8/28/1981)
376.910	Certificate of authority required. (8/28/1981)
376.915	Application for certificate, content — renewal, content, filed when — extensions, fee. (8/28/1981)
376.920	Annual statement, form, contents. (8/28/1981)
376.925	Seven-day rescission period, all money or property to be refunded. (8/28/1981)
376.930	Insured to be furnished application for certificate and annual statement, when. (8/28/1981)
376.935	Certificates issued for one year — nontransferable — not endorsement by department. (8/28/1981)
376.940	Escrow account for entrance fees required, released when. (8/28/1981)
376.945	Escrow account, amount required — principal, how released, investment. (8/28/2020)
376.950	Board of directors, one member to be resident of facility. (8/28/1981)
	HEALTH INSURANCE POOL
376.960	Definitions. (1/1/2008)
376.961	Missouri health insurance pool created — members to be all health insurers in state — board of directors, members, terms, qualifications — transitioning resources. (8/28/2013)
376.962	Plan of operation to be submitted by board — effective when — failure to submit, director's duty to develop rules — plan content — amendments, procedure. (8/28/2013)
376.964	Board, powers and duties — including providing for issuing policies and reinsuring risks — staff appointment — rulemaking authority. (8/28/2013)
376.965	Board members not civilly liable for performance of duties, exception. (8/28/1991)
376.966	No employee to lose coverage by enrolling in pool — eligibility for pool coverage, ineligibility — medical underwriting considerations, notification required, when — expiration date. (8/28/2013)
376.968	Administration of pool by insurer or insurers by competitive bids — insurer's qualifications — board to establish criteria for bid content. (8/28/2013)
376.970	Administering insurer to serve for three years subject to removal for cause — duties — reports — bidding process. (8/28/2013)
376.973	Administering insurer at close of fiscal year to make accounting and assessment — how calculated — excess to be held at interest for future losses or to reduce premiums — future losses, defined — assessments, continuation of. (8/28/2013)
376.975	Member's proportion of participation in pool to be determined annually — deficits to be recouped by proportioned assessment — amount of assessment to be offset against certain taxes. (1/1/1991)
376.978	Director of revenue to determine reduced amount in county foreign insurance tax fund, state treasurer to reimburse fund by reducing amount to general revenue. (1/1/1991)
376.980	Pool member exempt from taxation of financial institution, may be allowed to offset against sales or use tax, when — excess of assessment over sales or use tax payable in any one year a credit in succeeding years until excess is exhausted. (1/1/1991)
376.982	Rulemaking procedure. (8/28/1995)
376.984	Abatement or deferring all or part of assessment of member, when — amount abated or deferred may be assessed against other members — deficiency liability. (1/1/1991)
376.986	Pool to offer medical coverage — premiums, how established — standard risk rate, how calculated — director to approve rates — exclusions — benefits reduced by other insurance or workers' compensation — medical expense to include prayer for spiritual healing. (1/1/2008)
376.987	High deductible health plans and establishment of health savings plans to be offered as options — definitions — rulemaking authority. (1/1/2008)
376.989	No liability, criminal or civil, for participation in pool by members. (1/1/2008)
	LIMITED MANDATE HEALTH INSURANCE
376.995	Limited mandate health insurance policies defined — certain sections not to apply to limited mandate health insurance policies, exceptions — requirements to sell or issue — certain law to apply. (8/28/1997)
	EXCEPTED BENEFIT PLANS
376.998	Health insurance mandate exemption for excepted benefit plans — definitions — procedure to exempt. (8/28/2016)
	MULTIPLE EMPLOYER SELF-INSURED HEALTH PLANS
376.1000	Multiple employer self-insured health plan, defined. (8/28/1993)
376.1002	Certificate of authority required — penalty for noncompliance — law inapplicable, when — exempt organizations. (8/28/1993)
376.1005	Application for certificate of authority, form — fee — policy or other evidence of coverage provided to employees, form. (8/28/1993)
376.1007	Plan to file copy of bylaws, coverage and agreements with director. (8/28/1993)
376.1010	Excess stop-loss coverage maintained by plan. (8/28/1993)
376.1012	Funds collected from employers held in trust — requirements — board of trustees, elected, duties — annual report, filed when. (8/28/2007)
376.1015	Department not to grant approval, when. (8/28/1993)
376.1017	Plan to establish loss reserves — plan to establish surplus account, amount. (8/28/1993)
376.1020	Plan to maintain principal place of business in Missouri, exception. (8/28/1993)
376.1022	Dissolution of plan, application, procedure, granted when — distribution of assets, procedures. (8/28/1993)
376.1025	Director may adopt rules. (8/28/1995)
376.1027	Plan in unsound condition, powers of director. (8/28/1993)
376.1030	Agreement of employer to pay benefits, requirements, form — copy filed with director — no excuse from liability. (8/28/1993)
376.1032	Plan considered insurer, when. (8/28/1993)
376.1035	Chapter 376 applicable to plan. (8/28/1993)
376.1037	Plan subject to premium taxes. (8/28/1993)
376.1040	Plan not to be offered to public — marketing restrictions — exemption — use of brokers authorized. (8/28/2019)
376.1042	Marketing by agent, agency or broker violation of law. (8/28/2019)
376.1045	Injunctive relief, director may seek, when — procedures. (8/28/1993)
	HEALTH CARE SERVICES ACCESS
376.1060	Health care services — definitions — limitations on third-party access, requirements — inapplicability, when. (8/28/2023)
376.1065	Official notification communications, contracting entity requirements. (8/28/2018)
	ADMINISTRATORS, CERTAIN INSURANCE POLICIES
376.1075	Definitions. (8/28/1998)
376.1077	Administrator to have agreement with insurer, form, contents — termination, how. (8/28/1993)
376.1080	Payments of premiums and claims deemed paid, when. (8/28/1993)
376.1082	Records maintained by administrator for insurer — director may examine records — records owned by insurer, transfer allowed, when. (8/28/1993)
376.1083	Advertising restrictions for administrator. (8/28/1993)
376.1084	Insurer responsible for benefits and underwriting practices — insurer to conduct review of administrator, when. (8/28/1993)
376.1085	Premiums held in fiduciary capacity, duties — financial records, duties — withdrawals from fiduciary account by agreement only, contents — payment of claims. (8/28/1993)
376.1087	Commissions not to be contingent on savings in payment of claims — may be based on premiums collected. (8/28/1993)
376.1088	Notice to policyholder of administrator, contents, required — disclosure of receipts to insurer. (8/28/1993)
376.1090	Materials delivered to administrator for insured to be promptly delivered. (8/28/1993)
376.1092	Certificate of authority, required, application, contents, fee — refusal to issue, when — renewal — bond, required when. (8/28/1993)
376.1093	Annual report filed with director, when — contents — filing fee, amount. (8/28/1993)
376.1094	Certificate of authority, suspension or revocation, grounds — civil action, when. (8/28/2007)
376.1095	Rules and regulations, promulgation. (8/28/1995)
	LONG-TERM CARE
376.1100	Law, how cited — definitions. (8/28/2002)
376.1103	Laws applicable, Medicare supplement laws not applicable — purpose — policies or riders must be in compliance. (8/28/2002)
376.1106	Policies issued in other states may be issued to residents of Missouri if in compliance with Missouri regulations. (8/28/1990)
376.1109	Policies, content requirements, provisions prohibited — rules authorized — cancellation, refund required — limitation on rate increases. (8/28/2021)
376.1112	Director to provide buyer's guide — content — advertising of long-term care policies to contain notice of availability of guide. (8/28/1990)
376.1115	Coverage outline to be delivered to applicants, when, content. (8/28/2002)
376.1118	Benefits funded by a life insurance death benefit acceleration, reports to policyholder required, content. (8/28/1990)
376.1121	Denial of claim, long-term care insurance, duties of issuer. (8/28/2002)
376.1124	Rescinding of a long-term care policy, permitted when — grounds for contesting — no field issuance, when. (8/28/2002)
376.1127	Nonforfeiture benefit option required for long-term care insurance policies, requirements of offer — rulemaking authority. (8/28/2002)
376.1130	Rulemaking authority. (8/28/2002)
	BREAST EXAMINATIONS
376.1183	Breast examinations, no cost-sharing requirements. (8/28/2023)
	HEALTH BENEFIT EXCHANGES
376.1186	State-based health benefit exchanges prohibited without statutory authority — executive order to establish prohibited — state agency restrictions — taxpayer standing — definitions. (11/6/2012)
	HEALTH CARE MANDATE REVIEW
376.1190	Health care mandates — review by oversight division — actuarial analysis. (8/28/2011)
	WOMEN'S HEALTH
376.1199	Coverage for certain obstetrical/gynecological services — exclusion of contraceptive coverage permitted, when — rulemaking authority. (10/12/2012)
	BREAST CANCER, OFFER OF COVERAGE
376.1200	Certain policies to offer coverage for treatment of breast cancer — limitation on deductible, lifetime maximum benefit — administration of benefits — application, effect. (8/28/1995)
376.1209	Mastectomy — mandatory insurance coverage for prosthetic devices and reconstructive surgery — no time limit to be imposed. (8/28/2001)
	MATERNITY BENEFITS, MANDATED HOSPITAL CARE
376.1210	Maternity benefits, minimum hospital stays, exceptions — notice of benefits, contents — attending physician defined — rulemaking. (8/28/1996)
	IMMUNIZATIONS, MANDATED COVERAGE
376.1215	Immunizations, mandated coverage, exceptions, rulemaking. (8/28/1996)
	PART C OF IDEA (FIRST STEPS PROGRAM) COVERAGE
376.1218	Insurance coverage for children enrolled in the Part C early intervention system (First Steps). (8/28/2007)
	PKU FORMULA, MANDATED COVERAGE
376.1219	PKU formula and low protein modified food products covered by insurance, when — exceptions. (8/28/2002)
	NEWBORN HEARING SCREENINGS, MANDATED COVERAGE
376.1220	Insurance coverage for newborn hearing screenings mandated. (8/28/1999)
	SCALP HAIR PROSTHESES
376.1222	Prostheses and scalp prostheses to be provided for children under eighteen by Medicaid, children's health insurance and the consolidated plan — no additional insurance cost — amount allowable. (8/28/2003)
	AUTISM SPECTRUM DISORDER
376.1224	Definitions — insurance coverage required — limitations on coverage — maximum benefit amount, adjustments — reimbursements, how made — applicability to plans. (8/28/2019)
	DENTAL CARE, ANESTHESIA AND HOSPITALIZATION, MANDATED COVERAGE
376.1225	Mandated coverage for general anesthesia and hospital charges for dental care, when — prior authorization required, when — exceptions. (8/28/1998)
376.1226	Fee schedule for services not covered under health benefit plans — definitions. (8/28/2013)
	HEARING AIDS FOR CHILDREN
376.1228	Hearing aids coverage for children required — amount of coverage — exclusions — additional state costs subject to appropriations. (8/28/2021)
	CHIROPRACTIC CARE
376.1230	Chiropractic care coverage, rates, terms, conditions, limits, and exclusions. (8/28/2003)
	PROSTHETICS, OFFER OF COVERAGE
376.1232	Insurers to offer coverage for prosthetics. (8/28/2009)
	PHYSICAL THERAPY SERVICES
376.1235	No co-payments or coinsurance for physical or occupational therapy services, when — actuarial analysis of cost, when. (8/28/2016)
	PRESCRIPTION EYE DROPS
376.1237	Refills for prescription eye drops, required, when — definitions. (8/28/2018)
	CANCER COVERAGE
376.1250	Cancer screening, health insurance coverage required, when, types. (8/28/2011)
376.1253	Second opinion, right of newly diagnosed cancer patients, attending physician to inform — insurance coverage for such second opinions required, when. (8/28/2002)
376.1257	Orally administered anticancer medications, plan to provide coverage no less favorable than IV or injected medications — definitions — requirements — effective date. (1/1/2015)
	BONE MARROW TRANSPLANTS
376.1275	Coverage for human leukocyte antigen testing for bone marrow transplantation required, when — exceptions. (8/28/2002)
	LEAD TESTING
376.1290	Coverage for lead testing. (8/28/2001)
	REORGANIZATION OF DOMESTIC MUTUAL LIFE INSURANCE COMPANY
376.1300	Reorganization of a domestic mutual life insurance company, authority. (8/28/1996)
376.1305	Formation of holding company, application — shareholder approval. (8/28/1996)
376.1307	Issuance of shares. (8/28/1996)
376.1309	Member's interest — nontransference of membership — immunity from liability — assessments, not imposed — security, membership interest. (8/28/1996)
376.1312	Nonapplicability of certain provisions of insurance holding companies law. (8/28/1996)
376.1315	Incorporation of mutual holding company, authority, approval. (8/28/1996)
376.1318	Powers of mutual holding company, engaging in business of insurance, no authority, affiliation and merger agreements. (8/28/1996)
376.1322	Mutual holding company subject to supervision of director, dissolution or liquidation — demutualization. (8/28/1996)
	REIMBURSEMENT
376.1345	Method of reimbursement not to require fee, discount, or remuneration — notification requirements — electronic funds transfer, when — overpayment, procedure — violation, penalty. (8/28/2024)
	HEALTH CARE UTILIZATION REVIEW
376.1350	Definitions. (8/28/2019)
376.1353	Utilization review activities monitored. (8/28/1997)
376.1356	Utilization review entity monitored, when. (8/28/2019)
376.1359	Written utilization program implemented, filed with the director. (8/28/1997)
376.1361	Documented clinical review criteria used in a utilization program — medical director qualifications — compensation of utilization review services. (8/28/1997)
376.1363	Utilization review decisions, procedures. (8/28/2019)
376.1364	Unique confirmation number required, prior authorization review — secure electronic transmission for prior authorizations — single cover page, contents. (8/28/2019)
376.1365	Reconsideration of an adverse determination, when. (8/28/1997)
376.1367	Emergency services benefit determination, coverage required, when. (8/28/2018)
376.1369	Certification of compliance, when. (8/28/1997)
376.1372	Certification and member handbook to include utilization review procedures — website or provider portal, prior authorization requirements available on. (8/28/2019)
376.1375	Registry of grievances maintained, procedures — definitions. (8/28/1997)
376.1378	Grievances and certificate of compliance filed with the director, when. (8/28/1997)
376.1382	First- and second-level grievance review for managed care plans, first-level procedures. (8/28/1997)
376.1385	Second-level review procedures. (8/28/2019)
376.1387	Appeals of grievances determined by the director. (8/28/1997)
376.1389	Expedited grievance review procedure. (8/28/1997)
	RULEMAKING AUTHORITY
376.1399	Rules, effective, when — rules invalid and void, when. (8/28/2007)
	STANDARDIZATION OF INFORMATION
376.1400	Explanation of benefits, standardized information used, contents, when. (8/28/1999)
376.1403	Referrals, standardized information used, content, when. (8/28/1999)
	DOCUMENTS AND MATERIALS
376.1450	Enrollee's right to receive documents and materials in printed or electronic form, when. (8/28/2010)
	DISCOUNT MEDICAL PLANS
376.1500	Definitions. (8/28/2007)
376.1502	Requirements for transaction of business. (8/28/2007)
376.1504	Registration requirements — term of registration — renewal. (8/28/2007)
376.1506	Violations, penalty. (8/28/2007)
376.1508	Processing fee — cancellation of membership, effect of. (8/28/2007)
376.1510	Prohibited acts. (8/28/2007)
376.1512	Required disclosures. (8/28/2007)
376.1514	Written agreement required, contents. (8/28/2007)
376.1516	Written membership materials, required contents — forms to be filed with director, fee. (1/1/2008)
376.1516	Written membership materials, required contents — forms to be submitted to director. (8/28/2007)
376.1518	Net worth to be maintained, amount. (8/28/2007)
376.1520	Notice of changes. (8/28/2007)
376.1522	List of providers to be maintained on website. (8/28/2007)
376.1524	Advertising and marketing materials, approval in writing required. (8/28/2007)
376.1528	Rulemaking authority. (8/28/2007)
376.1530	Denial and refusal to issue registrations, when. (8/28/2007)
376.1532	Violations, penalties. (8/28/2007)
	MENTAL HEALTH COVERAGE
376.1550	Mental health coverage, requirements — definitions — exclusions. (8/28/2018)
376.1551	Federal mental health parity and addiction equity requirements — inapplicable, when — rulemaking authority. (8/28/2021)
	CREDENTIALING OF PRACTITIONERS
376.1575	Definitions. (8/28/2022)
376.1578	Credentialing procedure, health carrier duties — covered health services, payment, when — violations, mechanism for reporting. (8/28/2020)
	LIVING ORGAN DONORS
376.1590	Status as living organ donor not sole factor for insurance coverage. (8/28/2020)
	HEALTH CARE SHARING MINISTRY
376.1750	Health care sharing ministry, provisions not to apply to — ministry not engaging in the business of insurance, when — health care sharing ministry defined. (8/28/2007)
	SERVICES RELATED TO PREGNANCY
376.1753	Services related to pregnancy, persons holding ministerial or tocological certification may provide. (8/28/2007)
	MEDICAL RETAINER AGREEMENTS
376.1800	Definitions — medical retainer agreements not insurance — agreement requirements — use of health savings accounts for fees. (8/28/2022)
	TELEHEALTH
376.1900	Definitions — reimbursement for telehealth services, when. (1/1/2014)
	HEALTH INSURANCE MARKETPLACE INNOVATION ACT
376.2000	Citation of law — definitions. (7/12/2013)
376.2002	Navigators, license required — permitted acts — prohibited acts — exemptions. (7/12/2013)
376.2004	Application procedure. (7/12/2013)
376.2006	Term of licensure — renewal — continuing education. (7/12/2013)
376.2008	Consultation with licensed insurance producer, navigator to advise, when. (7/12/2013)
376.2010	Sanction of license, when — restitution required, when — examination and investigation of records. (7/12/2013)
376.2011	Violations, administrative orders, civil actions — penalty. (7/12/2013)
376.2012	Navigators duty to report, when. (7/12/2013)
376.2014	Applicability — severability — rulemaking authority. (7/12/2013)
	DISCLOSURE OF COSTS
376.2020	Contracts prohibiting disclosure of certain payments and costs are unenforceable. (10/14/2016)
	STEP THERAPY
376.2030	Definitions. (8/28/2016)
376.2034	Restriction on step therapy protocol, patient to have access to override exception determination — procedure. (8/28/2021)
376.2036	Enforcement — applicability to health insurance plans, when. (8/28/2016)
	UNCLAIMED LIFE INSURANCE BENEFITS ACT
376.2050	Citation of act. (8/28/2016)
376.2051	Definitions. (8/28/2016)
376.2052	Comparison of in-force policies to death master file — violation deemed an unfair trade practice. (8/28/2016)
376.2053	Exemption from requirements, when. (8/28/2016)
	FUNDING AGREEMENTS
376.2080	Funding agreement defined — authority to issue — rulemaking authority. (8/28/2021)

- Cross References
	All license, permit and certificate applications shall contain the Social Security number of the applicant, 324.024
	Annual statement convention blank to be filed by insurers with the N.A.I.C., failure to comply, effect, 375.041
	Group service or indemnity contracts to cover newborn child, 376.406
	Health coverage provider subject to jurisdiction and examination of department of insurance, 374.194
	Incorporation of insurance companies other than life, may issue life policy, 379.010
	Injured employees, insurance, payment of fees and integration of systems of insurers and entities administering claims, department rules not applicable, when, 375.427
	Insurer, defined, 375.932
	Penalty for unauthorized person or corporation transacting insurance business, 375.310
	Reduction of capital stock where not fully subscribed, 375.231
	Second mortgages, insurance coverage authorized as additional charge, 408.233
	Unfair practices and frauds, 375.930 to 375.948
	Withdrawal of securities, 375.480