(a) Definitions. — In this section the following words shall have the meanings indicated:
(1) “Inherited metabolic diseases” shall mean diseases caused by an inherited abnormality of biochemistry. The words “inherited metabolic diseases” shall also include any diseases for which the State screens newborn babies.
(2) a. “Low protein modified formula or food product” means a formula or food product that is:
1. Specially formulated to have less than 1 gram of protein per serving; and
2. Intended to be used under the direction of a physician for the dietary treatment of an inherited metabolic disease.
b. “Low protein modified food product” does not include a natural food that is naturally low in protein.
(3) “Medical formula or food” means a formula or food that is:
a. Intended for the dietary treatment of an inherited metabolic disease for which nutritional requirements and restrictions have been established by medical research; and
b. Formulated to be consumed or administrated enterally under the direction of a physician.
(b) Application of this section. — The provisions of this section shall apply to any health insurance contract that:
(1) Provides coverage for a family member of the insured; and
(2) Is delivered or issued for delivery in the State.
(c) A health insurance contract shall, under the family member coverage, include coverage for medical formulas and foods and low protein modified formulas and modified food products for the treatment of inherited metabolic diseases, if such medical formulas and foods or low protein modified formulas and food products are:
(1) Prescribed as medically necessary for the therapeutic treatment of inherited metabolic diseases, and
(2) Administered under the direction of a physician.