During enrollment, which notifications and disclosures are required?

• A. Verbal disclosure of benefits only.
• B. No disclosures are required.
• C. Disclosure of plan limitations, costs, network status, and rights; provided in writing.
• D. Disclosure of only premium amounts.

Answer: (C)

During enrollment, you must be given written disclosures that explain what the plan covers and any limitations, the costs you may incur (including premiums, copays, coinsurance, and other charges), whether your providers are in-network, and your rights under the plan. Providing this information in writing helps the member understand the full scope of coverage and costs before committing, and meets regulatory expectations for transparency. Verbal disclosure alone isn’t enough, and only mentioning premiums misses other important factors like limitations, total cost sharing, network status, and rights. So the complete, written disclosure of plan limitations, costs, network status, and rights is required.