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[Billing Codes: 4120-01-P; 4830-01-P; 4510-29-P] - page 81 / 83

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48-hour (or 96-hour) stay is treated in a manner less favorable

to the mother or newborn than any earlier portion of the stay.

In addition, an issuer may not, under federal law, require

that a physician or other health care provider obtain

authorization for prescribing a length of stay of up to 48 hours

(or

96

hours).

However,

to

use

certain

providers

or

facilities,

or to reduce your out-of-pocket costs, you may be required to

obtain

precertification.

For

information

on

precertification,

contact your issuer.

(3)

Timing

of

disclosure.

The disclosure notice

in

paragraph (d)(2) of this section shall be furnished to the covered individuals in the form of a copy of the contract, or a rider (or equivalent amendment to the contract), not later than March 1, 1999.

(4) Exception. The requirements of this paragraph (d) do not apply with respect to coverage regulated under a State law

described (e) coverage.

in paragraph (e) of this section. Applicability in certain States The requirements of section 2751

(1) Health insurance of the PHS Act and

this section do not apply with respect to health insurance coverage in the individual market if there is a State law regulating the coverage that meets any of the following criteria:

(i) The State law requires the coverage to provide for at least a 48-hour hospital length of stay following a vaginal delivery and at least a 96-hour hospital length of stay following

81

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