HRS §432G-20
Dental insurers must explain coverage before you sign up
Dental insurers must give you a clear, current written explanation of what your dental plan covers and what it does not, before you enroll and whenever you ask after enrolling. The policy or contract you receive must follow state insurance rules.
The statute, as written — Disclosure of dental care coverage and benefits
In order to ensure that all individuals understand their dental care options and are able to make informed decisions, all dental insurers shall provide current and prospective subscribers 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 a subscriber which describes coverages and benefits shall be in conformance with part I of article 10 of chapter 431.
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