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Summary of Coverage

In Plain English

Today, many healthcare shoppers don’t have access to information in plain English to help them understand the coverage they have or the differences in the coverage and benefits provided by health insurance carriers when they shop for a new plan. The same is true for employers who offer coverage to employees or who are shopping for small business health coverage to offer their employees.

Simple Summaries of What is Covered

Thanks to the Affordable Care Act (ACA), that will change. Under the ACA individual health insurers and group health carriers will provide consumers with clear, consistent and comparable information about their health plan benefits and coverage. Specifically, the law ensures that consumers have access to n easy to understand Summary of Coverage Template - HHS.pdf, that will help them to understand and evaluate their health insurance choices.

In use starting March 23, 2012

These innovative tools go into use starting March 23, 2012. They have been consumer-tested to ensure they will have measurable impact on the ability of consumers to more fully understand their health coverage. Recent studies, including one from Consumers Union, the nonprofit publisher of Consumer Reports, show that forms like these help consumers fully understand their insurance coverage and its value, making it easier to find the coverage that is best for their needs. Consumers in these studies took particular note of the practical detail provided in the Coverage Facts Label and how this detail enabled them to make a cost-benefit analysis before purchasing coverage.

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