(1) When a marketing method refers to a
choice of benefit amounts, it shall be considered misleading, and therefore
prohibited, if it does not disclose that the amount of benefits provided to the
consumer depends upon the plan selected by the consumer and that the premium
will vary with the amount of the benefits selected.
(2) When a marketing method refers to various
benefits which may be contained in two or more policies (other than group
master policies), it shall be considered misleading, and therefore prohibited,
unless it discloses that such benefits are provided only through a combination
of such policies.
(3) When a
marketing method makes comparisons between insured health plans, it shall be
considered to be misleading, and therefore prohibited, if it makes unfair or
incomplete comparisons of policy benefits, compares noncomparable aspects of
policies of other carriers, or disparages competitors, their policies, their
services, or their business methods of marketing insured health
(4) A marketing method for a
particular policy shall not state or imply that prospective insureds become
group or quasi-group members covered under a group policy and as such enjoy
special rates or underwriting privileges, unless such is the fact or it shall
be considered misleading, and therefore prohibited.