§ 26-13-302 — Purpose and intent

The purpose of this act is to assure that health insurance
benefits not subject to the federal Employee Retirement Income
Security Act are contractually guaranteed, and to avoid the
conflict of interest that occurs when the carrier responsible
for providing benefits has discretionary authority to decide
what benefits are due. This act is also intended to assure that
health insurance benefits contracts subject to the federal
Employee Retirement Income Security Act which contain a
discretionary clause provide appropriate disclosure of the
clause and additional provisions to assure a fair determination
of contract benefits. Nothing in this act shall be construed as
imposing any requirement or duty on any person other than a
health carrier.