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3.3 Incorporated Materials A. These regulations hereby adopt and incorporate 42 CFR § 447.15 (2023) by reference, not including any further editions or amendments thereof, and only to the extent that the provisions therein are not inconsistent with these regulations. 3.4 Definitions A. For the purposes of this section, the following definitions apply: 1. “Applicant” means a person seeking Medicaid coverage under this Part, in accordance with the provisions established in Rhode Island General Laws and Public Laws. 2. “Cost-effective” means that the portion of the ESI that the State would subsidize, as well as wrap-around costs, would, on average, cost less to the State than enrolling that same individual/family in a Medicaid managed care plan. 3. “Cost-sharing” means the amount of money the RIte Share Buy-in recipients must pay monthly for their monthly RIte Share coverage. 4. “Employee premium” means the monthly amount an individual or family is required to pay to the employer to obtain and maintain ESI coverage. 5. “Employer-sponsored insurance” or “ESI” means health insurance or a group health plan offered to employees by an employer. This includes plans purchased by small employers through HealthSource RI, the State’s health insurance marketplace. 6. “Federal poverty level” or “FPL”, as used herein, means the most recently published federal poverty level by the U.S. Department of Health and Human Services. 7. “Group health plan” means an employee benefits plan as defined in Section 3(1) of the Employee Retirement Income Security Act of 1974 as qualified in R.I. Gen. Laws §§ 27-50-3(t)(1) and 27-18.6-2(15). 8. “Health insurance coverage” or “Health benefit plan” means a policy, contract, certificate or agreement offered by a health insurance carrier to provide, deliver, arrange for, pay for, or reimburse any of the costs of health care services as defined and qualified in R.I. Gen. Laws §§ 27- 18.5-2(7), 27-18.6-2(14) and 27-50-3(u)(1). 9. “Medicaid member” means a person who has been determined to be eligible for Medicaid benefits.