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Washington (Nov. 1, 2021)

NAIC Releases Consumer Education Pieces on Health Insurance

The National Association of Insurance Commissioners (NAIC) released a series of consumer education pieces about health insurance this month. The series aims to help policyholders better understand how to get the most out of their health insurance coverage.   

The three-part series contains the following information:  

  • An explanation of the term “medical necessity” and how it affects the health services a policy will cover. 

  • Information about how to file a claim, like the details a consumer will need to submit the claim. 

  • Actions to take to appeal denied claims, including steps to make an internal appeal and request an external review. 

Consumers can access the series on the NAIC’s Consumer Health page under the "Tips & Tools" icon.  

This series is part of a larger effort by the NAIC to enable consumers to make informed decisions at every stage of life.  

About the National Association of Insurance Commissioners

As part of our state-based system of insurance regulation in the United States, the National Association of Insurance Commissioners (NAIC) provides expertise, data, and analysis for insurance commissioners to effectively regulate the industry and protect consumers. The U.S. standard-setting organization is governed by the chief insurance regulators from the 50 states, the District of Columbia and five U.S. territories. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer reviews, and coordinate regulatory oversight. NAIC staff supports these efforts and represents the collective views of state regulators domestically and internationally.