§ 27-18-25. Unfair discrimination prohibited.
Notwithstanding any provision of any policy of insurance, certificate, or service contract issued in this state, whenever the insurance policy, certificate, or service contract provides for reimbursement for any services that may be legally performed by any person licensed under the provisions of chapters 29, 30, 35 and 37 of title 5, reimbursement under the insurance policy, certificate, or service contract shall be based upon a determination of medical necessity and shall not be denied because of race, color, or creed, nor shall any insurer make or permit any unfair discrimination against particular individuals or persons licensed under chapters 29, 30, 35 and 37 of title 5.
History of Section.P.L. 1968, ch. 98, § 1; P.L. 1989, ch. 542, § 79; P.L. 1991, ch. 62, § 1; P.L. 1992, ch. 452, § 1; P.L. 2002, ch. 292, § 33; P.L. 2017, ch. 165, § 1; P.L. 2017, ch. 314, § 1.
Structure Rhode Island General Laws
Chapter 27-18 - Accident and Sickness Insurance Policies
Section 27-18-1. - “Policy of accident and sickness insurance” construed.
Section 27-18-1.1. - Definitions.
Section 27-18-2. - Form of policy.
Section 27-18-2.1. - Uniform explanation of benefits and coverage.
Section 27-18-3. - Required provisions.
Section 27-18-3.1. - Alternative coverage by employer.
Section 27-18-3.2. - Rules and regulations.
Section 27-18-3.3. - Penalties.
Section 27-18-3.4. - Judicial review.
Section 27-18-3.5. - Non-applicability.
Section 27-18-4. - Optional provisions.
Section 27-18-5. - Inapplicable or inconsistent provisions.
Section 27-18-6. - Sequence of provisions.
Section 27-18-7. - Third party ownership.
Section 27-18-8. - Filing of accident and sickness insurance policy forms.
Section 27-18-8.1. - Waiting period — Effective date of filings.
Section 27-18-8.2. - Notice of disapproval.
Section 27-18-8.3. - Withdrawal of approval.
Section 27-18-8.4. - Rules as to filing.
Section 27-18-9. - Policies of foreign insurers.
Section 27-18-10. - Compliance by domestic insurer with laws of other states.
Section 27-18-11. - Application of provisions to policy issued to nonresident.
Section 27-18-12. - Less favorable provisions prohibited.
Section 27-18-13. - Effect of policies inconsistent with chapter.
Section 27-18-14. - Copies of applications.
Section 27-18-15. - Alteration of application.
Section 27-18-16. - False statements in application.
Section 27-18-17. - Acts not constituting waiver of insurer’s defenses.
Section 27-18-18. - Acceptance of premiums after effective period of policy.
Section 27-18-19. - Insurance exempt from chapter.
Section 27-18-20. - Penalties for violations.
Section 27-18-21. - Appeals from commissioner.
Section 27-18-22. - Effect on other law.
Section 27-18-23. - Severability.
Section 27-18-24. - Immunity of benefits from process.
Section 27-18-25. - Unfair discrimination prohibited.
Section 27-18-26. - Physical examinations by insurance company.
Section 27-18-27. - Adoptive children.
Section 27-18-28. - [Repealed.]
Section 27-18-29. - Changing coverage.
Section 27-18-30. - Health insurance contracts — Infertility.
Section 27-18-31. - Insurance coverage for services of licensed midwives.
Section 27-18-32. - Discontinuance of coverage — Chronic disabilities.
Section 27-18-33. - Drug coverage.
Section 27-18-33.1. - Insurance coverage for post-partum hospital stays.
Section 27-18-36.1. - Repealed.
Section 27-18-36.2. - Repealed.
Section 27-18-36.3. - Repealed.
Section 27-18-38. - Diabetes treatment.
Section 27-18-39. - Mastectomy treatment.
Section 27-18-40. - Insurance coverage for mastectomy hospital stays.
Section 27-18-41. - Mammograms and pap smears — Coverage mandated.
Section 27-18-42. - Mammograms — Quality assurance standards.
Section 27-18-43. - Pap smears — Quality assurance standards.
Section 27-18-44. - Primary and preventive obstetric and gynecological care.
Section 27-18-44.1. - Hysterectomy or myomectomy treatment.
Section 27-18-45. - Whistleblowers protection.
Section 27-18-46. - Penalties and remedies.
Section 27-18-47. - Additional relief and damages — Reinstatement.
Section 27-18-48. - Third party reimbursement for services of certain healthcare workers.
Section 27-18-48.1. - Third party reimbursement for services of registered nurse first assistants.
Section 27-18-49. - Human leukocyte antigen testing.
Section 27-18-50. - Drug coverage.
Section 27-18-50.1. - Medication synchronization.
Section 27-18-51. - Restricted annual rate payments prohibited.
Section 27-18-52. - Genetic testing.
Section 27-18-52.1. - Genetic information.
Section 27-18-53. - Magnetic resonance imaging — Quality assurance standards.
Section 27-18-54. - Health insurance rates.
Section 27-18-55. - Acupuncture services.
Section 27-18-56. - Prohibition against dentists being required to indemnify provider.
Section 27-18-57. - F.D.A. approved prescription contraceptive drugs and devices.
Section 27-18-59. - Eligibility for children’s benefits.
Section 27-18-60. - Hearing aids.
Section 27-18-61. - Prompt processing of claims.
Section 27-18-62. - Mandatory coverage for certain lyme disease treatments.
Section 27-18-63. - Dental insurance assignment of benefits.
Section 27-18-64. - Coverage for early intervention services.
Section 27-18-65. - Post-payment audits.
Section 27-18-66. - Tobacco cessation programs.
Section 27-18-67. - Reimbursement for orthotic and prosthetic services.
Section 27-18-68. - Mandatory coverage for scalp hair prosthesis.
Section 27-18-69. - Licensed ambulance service.
Section 27-18-70. - Enteral nutrition products.
Section 27-18-71. - Prohibition on preexisting condition exclusions.
Section 27-18-72. - Prohibition on rescission of coverage.
Section 27-18-73. - Prohibition on annual and lifetime limits.
Section 27-18-74. - Coverage for individuals participating in approved clinical trials.
Section 27-18-75. - Medical loss ratio reporting and rebates.
Section 27-18-76. - Emergency services.
Section 27-18-77. - Internal and external appeal of adverse benefit determinations.
Section 27-18-78. - Primary care provider designation requirement.
Section 27-18-79. - Discretionary clauses.
Section 27-18-80. - Orally administered anticancer medication — Cost-sharing requirement.
Section 27-18-81. - Consumer notification.
Section 27-18-82. - Opioid antagonists.
Section 27-18-83. - Healthcare provider credentialing.
Section 27-18-84. - Health insurance contracts — Full year coverage for contraception.
Section 27-18-85. - Prohibition on discrimination in organ transplants.
Section 27-18-86. - Health insurance contracts — Copayments exemption for COVID-19 vaccinations.
Section 27-18-87. - Perinatal doulas.
Section 27-18-88. - Gender rating. [Effective January 1, 2023.]