Code of Maine Rules
02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION
031 - BUREAU OF INSURANCE
Chapter 330 - MINIMUM STANDARDS FOR MENTAL ILLNESS BENEFITS - REVISED
Section 031-330-6 - Supplemental Major Medical Policy

Any supplemental major medical policy subject to this Rule will be deemed to be in compliance with the requirements of 24-A M.R.S.A. §2843, if it provides, at a minimum, the benefits provided under Section 5 above less an amount equal to the covered charges used to determine the benefit provided by any base coverage provided the same group by an insurer or nonprofit hospital and/or medical service organization. Although a supplemental major medical policy must contain the minimum required benefits, it is the intent of the Rule that a person covered under both base coverage and a supplemental major medical policy not be entitled to "stack" the mental illness benefits of the two policies. The two policies combined need not provide, in the aggregate, more than the minimum required benefits.