Maryland Code, Insurance § 15-508.1

(a)(1) In this section the following words have the meanings indicated.

(2) “Carrier” means an insurer or a nonprofit health service plan.

(3) “Exclusionary rider” means an endorsement to an individual health benefit plan that excludes benefits for one or more named conditions that are discovered by a carrier during the underwriting process.

(4) “Health benefit plan” has the meaning stated in § 15-1301 of this title.

(5) “Individual health benefit plan” means a health benefit plan issued by a carrier that insures:

(1) relates to a condition of the individual, regardless of its cause, for which medical advice, diagnosis, care, or treatment was recommended or received within the 12-month period immediately preceding the effective date of the individual's coverage; and

(2) extends for a period of not more than 12 months after the effective date of the individual's coverage.