HRS §432D-25
Health plans must tell you what they cover
Health maintenance organizations (HMOs) must give you clear, current written information about what their plan covers, including any limits or exclusions, before you sign up and whenever you ask after you join. The plan document must follow state insurance rules.
The statute, as written — Disclosure of health care coverage and benefits
In order to ensure that all individuals understand their health care options and are able to make informed decisions, all health maintenance organizations shall provide current and prospective enrollees with written disclosure of coverages and benefits, including information on coverage principles and any exclusions or restrictions on coverage. The information provided shall be current, understandable, and available prior to enrollment, and upon request after enrollment. A policy or contract provided to an enrollee which describes coverages and benefits shall be in conformance with part I of article 10 of chapter 431.
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