Coverage of important benefits

• Insurers must cover mammography screening and cleft palate.

NoNE

Appropriate access to care

• Insurers must cover emergency services that a "prudent layperson" thought necessary and direct access to OB/GYNs.
  
  
• Insurers must offer a point-of-service option.
  
  
• Law prevents insurers from "gagging" doctor-patient communications.

NoNE

Promotion of access to healthcare for the uninsured

• Insurers must contribute funds to the state.

NoNE

Fair healthcare premiums

• Limits on how much insurers can increase premiums when you get sick.

NoNE

Ensured payment of claims

• Insurers must have financial reserves to cover claims.
  
  
• State will take corrective action and seize assets to pay claims.

NoNE

Truth in marketing

• Marketing materials must follow detailed guidelines.

NoNE

Proper oversight of insurers

• Management of complaints from you and your healthcare provider.
  
  
• Investigation, oversight, and enforcement of plan rules (including financial penalties).

NoNE