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 to reduce your out-of-pocket costs, you may be required to
contact your issuer.
The disclosure notice
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