Regulations disallow health insurers to use exclusion but allow disability and accident to use UPPL exclusion

MD Code, Insurance, § 15-228: REPEALED, statute now silent, but admin reg code language: COMAR 31.10.28.03 (individual policies) and same language for group policies: COMAR 31.11.10.06

COMAR 31.10.28.03: C. Intoxicants and Narcotics.: (1) Except as provided in §C(2) of this regulation, an individual health insurance contract may not include a limitation or exclusion for loss:
(a) Sustained or contracted in consequence of the insured's being intoxicated or under the influence of any drug; (b) Due to the use of alcohol; (c) Due to the use of drugs or narcotics; or (d) Due to alcoholism or drug addiction. (2) A disability benefit or an accidental death and dismemberment benefit in an individual health insurance contract: (a) May be subject to an exclusion or limitation for loss sustained or contracted in consequence of the insured's being intoxicated or under the influence of any narcotic unless administered on the advice of a physician; and (b) May not be subject to an exclusion or limitation regarding the use of alcohol or drugs that is more restrictive to the insured than the exclusion or limitation set forth in §C(2)(a) of this regulation.

Long term care Sec 18-109 policy limitations and exclusions: 18-109: (a) Except as provided in subsection (b) of this section, a policy or certificate of long-term care insurance may not be delivered or issued for delivery in the State if the policy or certificate limits or excludes coverage by type of illness, treatment, medical condition, or accident. (b) A policy or certificate of long-term care insurance may limit or exclude coverage of:…(3) alcohol or drug addiction;