Perhaps some light for everyone
I just got this from a friend that is also a former US Government attourney. Perhaps it will help some of us.
a quick and dirty definition is that an insurance policy is "delivered in the State" if the insurance company issues the policy to an employer and the intent of the employer is to provide health insurance to employees within the State of Maryland (or any other state, actually!). Also, there is case law that says an insurance company cannot legally issue and deliver an insurance policy that contains provisions or language that is a violation of the law of the State in which the people being insured reside. So, it seems that the insurance policy of your employer is illegal if you are working in the State of Maryland, at least as far as the provisions for treatment of morbid obesity are concerned.
Any questions or comments are welcome
a quick and dirty definition is that an insurance policy is "delivered in the State" if the insurance company issues the policy to an employer and the intent of the employer is to provide health insurance to employees within the State of Maryland (or any other state, actually!). Also, there is case law that says an insurance company cannot legally issue and deliver an insurance policy that contains provisions or language that is a violation of the law of the State in which the people being insured reside. So, it seems that the insurance policy of your employer is illegal if you are working in the State of Maryland, at least as far as the provisions for treatment of morbid obesity are concerned.
Any questions or comments are welcome
never settle for less than you deserve and you deserve only the best. 
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