Amends GS 58-50-30(a3) to prohibit an insurer from imposing as a limitation on treatment or level of coverage a co-payment amount for chiropractic services that is higher than the co-payment amount charged to the insured by a primary care physician for a comparable medically necessary treatment or condition. Applies to policies issued or renewed on or after October 1, 2011. Provides that the renewal for a health benefit plan is presumed to occur on each anniversary of the date on which coverage was first effective on the person or persons covered by the health benefit plan.