What must a group health certificate for coverage issued in Vermont include?

A group health certificate for coverage in Vermont must include a summary of policy features and benefits. This summary is essential because it informs the insured individuals about the key aspects of their coverage, including the services covered, limitations, exclusions, and any cost-sharing elements like deductibles and co-pays. By providing this information, the certificate ensures that insured parties understand what to expect from their health insurance policy, which is crucial when they need to access healthcare services.

While the other components, such as listing all insured individuals, outlining the cost of the policy, and providing claim process details, may be relevant, they are not mandatory inclusions in the group health certificate itself under Vermont regulations. The focus on features and benefits serves to clarify the provisions of the insurance plan, which is a primary goal of any insurance documentation.