What information must health insurance providers include in their summary of benefits?

Health insurance providers must include coverage details, costs, and service limitations in their summary of benefits because this information is crucial for policyholders to understand what services are covered under their plan, the associated costs (such as premiums, deductibles, copayments, and coinsurance), and any limitations on coverage (such as exclusions or maximum benefit limits). This comprehensive overview enables consumers to make informed decisions about their health insurance options, ensuring they are aware of both the benefits their plan provides and any potential out-of-pocket expenses they may incur.

Including detailed medical histories of insured individuals, a list of all doctors within the network, or only the maximum benefit amount available would not provide a complete picture of the health insurance coverage. While provider networks and limit amounts are important, they do not encompass the full range of information necessary for insured individuals to evaluate their health plan clearly and thoroughly.