Rules and Regulations of the State of Georgia
 

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<xmp>.</xmp> <form name="form1" method="post" action="120-2-104?urlRedirected=yes&amp;data=admin&amp;lookingfor=120-2-104" id="form1"> <input type="hidden" name="__VIEWSTATE" id="__VIEWSTATE" value="/wEPDwUKLTY5ODkwOTM2Nw8WAh4Ec3BhbQINFgJmD2QWAgIFDw8WAh4EVGV4dAUFOCArIDVkZGTf+TWM9lC1kvmAIcprlMZrEWZD6A==" /> <input type="hidden" name="__VIEWSTATEGENERATOR" id="__VIEWSTATEGENERATOR" value="EEBB6393" /> <input type="hidden" name="__EVENTVALIDATION" id="__EVENTVALIDATION" value="/wEWCAK9uLLjBQLniKOhBALV5cpNAoa5iIEFAoznisYGAsrv5u0MAsrv4u0MAsrv3u0MkLGFzWPaF98fulDx8tRg0W/ZtyY=" /> <div class='popup'> <div class='cnt223'> <div style="margin-bottom:6px;"> <img alt="Rules and Regulations of the State of Georgia" src="/images/new.gif"/> </div> <div class="header"> Terms and Conditions of Agreement for Access to Rules and Regulations of the State of Georgia Website </div> <div class="scroll"> <p>(Note: certain features of this site have been disabled for the general public to prevent digital piracy. If you are an entitled government entity pursuant the Georgia Administrative Procedures Act, <a target="_new" href="http://links.casemakerlegal.com/states/GA/books/Code_of_Georgia/browse?ci=25id=gasos&amp;codesec=50-13-7&amp;title=50&amp;#50-13-7(d)">O.C.G.A.§ 50-13-7(d)</a> contact the State of Georgia's Administrative Procedures Division at 678-364-3785 to enable these features for your location.)</p> <p>To access this website, you must agree to the following: </p> <p> These terms of use are a contract between you and/or your employer (if any), and Lawriter, LLC. </p> <p> You agree that you will not copy, print, or download anything from this website for any commercial use. </p> <p> You agree not to use any web crawler, scraper, or other robot or automated program or device to obtain data from the website.</p> <p> You agree that you will not sell, will not license, and will not otherwise make available in exchange for anything of value, anything that you download, print, or copy from this site.</p> <p> You agree that you will not copy, print, or download any portion of the regulations posted on this site exceeding a single chapter of regulations for sale, license, or other transfer to a third party, except that you may quote a reasonable portion of the regulations in the course of rendering professional advice.</p> <p> If you violate this agreement, or if you access or use this website in violation of this agreement, you agree that Lawriter will suffer damages of at least $20,000. </p> <p> THIS WEBSITE AND ITS CONTENT ARE PROVIDED "AS IS." 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If you are an entitled government entity pursuant the Georgia Administrative Procedures Act, <a target="_new" href="http://links.casemakerlegal.com/states/GA/books/Code_of_Georgia/browse?ci=25id=gasos&amp;codesec=50-13-7&amp;title=50&amp;#50-13-7(d)">O.C.G.A.§ 50-13-7(d)</a> contact the State of Georgia's Administrative Procedures Division at 678-364-3785 to enable these features for your location.)</p> <p>To access this website, you must agree to the following: </p> <p> These terms of use are a contract between you and/or your employer (if any), and Lawriter, LLC. </p> <p> You agree not to use any web crawler, scraper, or other robot or automated program or device to obtain data from the website. </p> <p> You agree that you will not sell or license anything that you download, print, or copy from this website.</p> <p> THIS WEBSITE AND ITS CONTENT ARE PROVIDED "AS IS." 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Sections <a href="https://links.casemakerlegal.com/states/ga/books/Code_of_Georgia/browse?ci=25&amp;id=gasos&amp;codesec=33-2-9&amp;title=33#" target="_newtab">33-2-9</a>, <a href="https://links.casemakerlegal.com/states/ga/books/Code_of_Georgia/browse?ci=25&amp;id=gasos&amp;codesec=33-29-22&amp;title=33#" target="_newtab">33-29-22</a>, and <a href="https://links.casemakerlegal.com/states/ga/books/Code_of_Georgia/browse?ci=25&amp;id=gasos&amp;codesec=33-30-13&amp;title=33#" target="_newtab">33-30-13</a>. </P> <h2><a href="/GAC/120-2-104-.02" name="120-2-104-.02" title="120-2-104-.02">Rule 120-2-104-.02 Purpose and Interpretation</a></h2> <P>The purpose of this chapter is to inform the public about the correlation between anticipated health insurance premium rate increases and the Patient Protection and Affordable Care Act ("PPACA"). Nothing in this chapter prohibits an insurer from disclosing to a consumer as a part of its notice a summary of the changes created by PPACA, including enhanced minimum benefits or the possible cost-shifting components of PPACA.</P> <h2><a href="/GAC/120-2-104-.03" name="120-2-104-.03" title="120-2-104-.03">Rule 120-2-104-.03 Individual Accident and Sickness Policies</a></h2> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.03(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Notice of any premium increase shall be mailed or delivered to each holder of an individual accident and sickness insurance policy not less than 60 days prior to the effective date of such increase.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.03(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Concurrently with any notice of premium increase or offer of new coverage because of discontinuance or termination of an existing plan of coverage, an insurer shall provide an estimate as to the amount or percentage of any premium increase which is attributable to the PPACA. Such notices shall include the following statement: "These increases are due to the federal Patient Protection and Affordable Care Act and not the enactment of any laws or regulations of the Governor of Georgia, the Georgia General Assembly, or the Georgia Department of Insurance."</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.03(c)">(c)</a></td> <td valign="top" style="text-align:left" class="leftalign"> When determining estimates of the amount or percentage of premium increases which are attributable to the PPACA, insurers must analyze the following and may include additional relevant factors: <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.03(c)(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The new taxes and fees imposed under PPACA;</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.03(c)(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Policies being guaranteed issue with modified community rating;</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.03(c)(3)">(3)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The Essential Health Benefits;</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.03(c)(4)">(4)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The age rating bands; </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.03(c)(5)">(5)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The effect of a 70% actuarial value (out-of-pocket limit impact factored);</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.03(c)(6)">(6)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The impact of the individual mandate on the risk pool;</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.03(c)(7)">(7)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The impact of subsidies on the risk pool; and</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.03(c)(8)">(8)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The impact of the risk adjustment and reinsurance mechanisms in PPACA.</td> </tr> </table> </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.03(d)">(d)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Each insurer shall perform an analysis of rate impact upon comprehensive or major medical health coverage according to the following conditions: <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.03(d)(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Each insurer shall estimate the average premium impact upon a 21 year old, 40 year old, and 60 year old male and female; and </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.03(d)(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> When determining the average premium impact on each of the individuals listed in subparagraph (1) of paragraph (d), an insurer may use as a basis: <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.03(d)(2)(i)">(i)</a></td> <td valign="top" style="text-align:left" class="leftalign"> A product similar to the one owned by the recipient of the notice;</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.03(d)(2)(ii)">(ii)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Each type of product sold by the company in the individual market; or</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.03(d)(2)(iii)">(iii)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The most common policy sold in the individual market.</td> </tr> </table> </td> </tr> </table> </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.03(e)">(e)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Each disclosure shall be in a form compliant with the following conditions: <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.03(e)(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> An itemized estimate is not required for each factor listed in subparagraphs (1) through (8) of paragraph (c). However, each estimate shall, at a minimum, incorporate the applicable factors listed in that section; </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.03(e)(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> A notice may show an estimate for each average individual in subparagraph (1) of paragraph (d) or it may include only the age range closest to the recipient; </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.03(e)(3)">(3)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Each estimate may be displayed in a range based upon the company's estimates; and</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.03(e)(4)">(4)</a></td> <td valign="top" style="text-align:left" class="leftalign"> A notice may use as a basis a product identified by items (i), (ii), or (iii) of subparagraph (2) of paragraph (d) provided that: <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.03(e)(4)(i)">(i)</a></td> <td valign="top" style="text-align:left" class="leftalign"> If a notice uses as a basis the products identified by item (ii) of subparagraph (2) of paragraph (d), then an estimate must be provided for each of those products; and</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.03(e)(4)(ii)">(ii)</a></td> <td valign="top" style="text-align:left" class="leftalign"> If a notice uses as a basis the products identified by item (iii) of subparagraph (2) of paragraph (d), then such notice shall include a web address where the recipient can go to the insurer's website to view the disclosure information for each product listed in item (ii) subparagraph (2) of paragraph (d).</td> </tr> </table> </td> </tr> </table> </td> </tr> </table> <h2><a href="/GAC/120-2-104-.04" name="120-2-104-.04" title="120-2-104-.04">Rule 120-2-104-.04 Small Group Accident and Sickness Policies</a></h2> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.04(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Notice of the maximum amount of a group premium increase shall be mailed or delivered to the group policyholder and to each employer group or subgroup insured under the group policy not less than 60 days prior to the effective date of such increase.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.04(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Concurrently with any notice of premium increase or offer of new coverage because of discontinuance or termination of an existing plan of coverage, an insurer shall provide an estimate as to the amount or percentage of any premium increase which is attributable to the Patient Protection and Affordable Care Act. Such notices shall include the following statement: "These increases are due to the federal Patient Protection and Affordable Care Act and not the enactment of any laws or regulations of the Governor of Georgia, the Georgia General Assembly, or the Georgia Department of Insurance."</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.04(c)">(c)</a></td> <td valign="top" style="text-align:left" class="leftalign"> When determining estimates of the amount or percentage of premium increases which are attributable to PPACA, insurers must analyze the following but may analyze additional relevant factors: <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.04(c)(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Policies being issued using modified community rating; </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.04(c)(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The Essential Health Benefits;</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.04(c)(3)">(3)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The effect of a 70 percent actuarial value; and </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.04(c)(4)">(4)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Taxes and fees;</td> </tr> </table> </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.04(d)">(d)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Each insurer shall perform an analysis of rate impact upon comprehensive or major medical health coverage according to the following conditions: <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.04(d)(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Each insurer shall estimate the average premium impact upon the average small group;</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.04(d)(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> When determining the average premium impact on each small group listed in subparagraph (1) of paragraph (d), an insurer may use as a basis: <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.04(d)(2)(i)">(i)</a></td> <td valign="top" style="text-align:left" class="leftalign"> A product similar to the one owned by the recipient of the notice;</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.04(d)(2)(ii)">(ii)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Each type of product sold by the company in the small group market; or </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.04(d)(2)(iii)">(iii)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The company's most common policy sold in the small group market.</td> </tr> </table> </td> </tr> </table> </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.04(e)">(e)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Each disclosure shall be in a form compliant with the following conditions: <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.04(e)(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> An itemized estimate is not required for each factor listed in subparagraph (1) through (4) of paragraph (c). However, each estimate shall, at a minimum, incorporate the applicable factors listed in that section. </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.04(e)(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Each estimate may be displayed in a range based upon the company's estimates; and </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.04(e)(3)">(3)</a></td> <td valign="top" style="text-align:left" class="leftalign"> A notice may use as a basis a product identified by items (i), (ii), or (iii) of subparagraph (2) of paragraph (d) provided that: <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.04(e)(3)(i)">(i)</a></td> <td valign="top" style="text-align:left" class="leftalign"> If a notice uses as a basis the products identified by item (ii) of subparagraph (2) of paragraph (d), then an estimate must be provided for each of those products; and </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-104-.04(e)(3)(ii)">(ii)</a></td> <td valign="top" style="text-align:left" class="leftalign"> If a notice uses as a basis the products identified by item (iii) of subparagraph (2) of paragraph (d), then such notice shall include a web address where the recipient can go to the insurer's website to view the disclosure information for each product listed in item (ii) subparagraph (2) of paragraph (d).</td> </tr> </table> </td> </tr> </table> </td> </tr> </table> <h2><a href="/GAC/120-2-104-.05" name="120-2-104-.05" title="120-2-104-.05">Rule 120-2-104-.05 Severability</a></h2> <P>If any rule or portion of a rule in this chapter or the applicability thereof to any particular circumstances is held invalid by a court of competent jurisdiction, the remainder of the rules or the applicability of such provision to other persons or circumstances shall not be affected. </P> <h2><a href="/GAC/120-2-104-.06" name="120-2-104-.06" title="120-2-104-.06">Rule 120-2-104-.06 Repeal of Chapter</a></h2> <P>This chapter shall stand repealed on December 31, 2014.</P> </div> </div> </HTML> </div> <div id="toc" class="sidebar noprint"> <ul id="toc-children" class="children"><li><a href="/GAC/120-2-104-.01" name="120-2-104-.01" title="120-2-104-.01">Rule 120-2-104-.01 Statutory Authority</a></li><li><a href="/GAC/120-2-104-.02" name="120-2-104-.02" title="120-2-104-.02">Rule 120-2-104-.02 Purpose and Interpretation</a></li><li><a href="/GAC/120-2-104-.03" name="120-2-104-.03" title="120-2-104-.03">Rule 120-2-104-.03 Individual Accident and Sickness Policies</a></li><li><a href="/GAC/120-2-104-.04" name="120-2-104-.04" title="120-2-104-.04">Rule 120-2-104-.04 Small Group Accident and Sickness Policies</a></li><li><a href="/GAC/120-2-104-.05" name="120-2-104-.05" title="120-2-104-.05">Rule 120-2-104-.05 Severability</a></li><li><a href="/GAC/120-2-104-.06" name="120-2-104-.06" title="120-2-104-.06">Rule 120-2-104-.06 Repeal of Chapter</a></li></ul> </div> </div> <!--content ends here--> <div id="footer" class="noprint"><span class="footer">Copyright &copy; 2019 Lawriter LLC - All rights reserved.</span>| <a href="mailto:support@casemakerlegal.com?subject=Rules and Regulations of the State of Georgia">Email Us</a> | 844-838-0769 | <a href="http://livechat.casemakerlegal.com/client.php?locale=en" target="_blank" onclick="if(navigator.userAgent.toLowerCase().indexOf('opera') != -1 && window.event.preventDefault)window.event.preventDefault();this.newWindow = window.open('http://livechat.casemakerlegal.com/client.php?locale=en&url='+escape(document.location.href)+'&referrer='+escape(document.referrer), 'webim','toolbar=0,scrollbars=0,location=0,status=1,menubar=0,width=640,height=480,resizable=1');this.newWindow.focus();this.newWindow.opener=window;return false;">Live Chat</a> </div> </div> </body> </html>