Compilation of Rules and Regulations of the State of Georgia
Department 120 - OFFICE OF COMMISSIONER OF INSURANCE, SAFETY FIRE COMMISSIONER AND INDUSTRIAL LOAN COMMISSIONER
Chapter 120-2 - RULES OF COMMISSIONER OF INSURANCE
Subject 120-2-43 - MEDICAL OR LIFE-STYLE QUESTIONS ON APPLICATIONS AND UNDERWRITING GUIDELINES AFFECTING AIDS AND ARC
Rule 120-2-43-.05 - Prohibition of Benefits Reduction

(1) No health insurance policy, individual or group, may contain a provision which excludes expenses due to AIDS or ARC or places lower limits on the benefits available if the insured is being treated for AIDS or ARC under the policy. "Limits" would include, but not be limited to, reduced lifetime benefit caps, lower coinsurance percentages and shorter benefit periods.

(2) Reduction riders excluding or limiting coverage for AIDS or ARC must be restricted to a preexisting condition only of a specified insured.