Better Information Act of 2020

To amend title XXVII of the Public Health Service Act, the Internal Revenue Code of 1986, and the Employee Retirement Income Security Act of 1974 to require group health plans and health insurance issuers to include certain information on any health insurance membership card issued by such plan or issuer. 1. Short title This Act may be cited as the Better Information Act of 2020 2. Information required to be included on health insurance membership cards (a) Public Health Service Act Subpart II of part A of title XXVII of the Public Health Service Act ( 42 U.S.C. 300gg–11 2730. Information required to be included on health insurance membership cards In the case of a group health plan or health insurance issuer offering group or individual health insurance coverage that provides a physical or electronic card indicating membership in such plan or coverage to an individual enrolled under such plan or coverage, such group health plan or issuer shall include on such card each of the following: (1) The nearest hospital to the primary residence of such individual that has in effect a contractual relationship with such plan or coverage for furnishing items and services under such plan or coverage. (2) A telephone number or Internet website address through which such individual may seek consumer assistance information, such as information related to hospitals and urgent care facilities that have in effect a contractual relationship with such plan or coverage for furnishing items and services under such plan or coverage. (3) Any deductible applicable to such individual. (4) Any out-of-pocket maximum applicable to such individual. (5) Any cost-sharing obligation applicable to such individual for a visit at an emergency department, or urgent care facility, that has in effect a contractual relationship with such plan or coverage for furnishing items and services under such plan or coverage. . (b) Internal Revenue Code (1) In general Subchapter B of chapter 100 9816. Information required to be included on health insurance membership cards In the case of a group health plan that provides a physical or electronic card indicating membership in such plan to an individual enrolled under such plan, such group health plan shall include on such card each of the following: (1) The nearest hospital to the primary residence of such individual that has in effect a contractual relationship with such plan for furnishing items and services under such plan. (2) A telephone number or Internet website address through which such individual may seek consumer assistance information, such as information related to hospitals and urgent care facilities that have in effect a contractual relationship with such plan for furnishing items and services under such plan. (3) Any deductible applicable to such individual. (4) Any out-of-pocket maximum applicable to such individual. (5) Any cost-sharing obligation applicable to such individual for a visit at an emergency department, or urgent care facility, that has in effect a contractual relationship with such plan for furnishing items and services under such plan. . (2) Nonapplication of incorporation provisions Section 9815(a) (A) in paragraph (1), by striking (as amended by the Patient Protection and Affordable Care Act) (other than the provisions of section 2730 of the Public Health Service Act) (B) in paragraph (2), by inserting (other than the provisions of section 2730 of the Public Health Service Act) a provision of such part A (3) Clerical amendment The table of sections for such subchapter is amended by adding at the end the following new item: Sec. 9816. Information required to be included on health insurance membership cards. . (c) Employee Retirement Income Security Act (1) In general Subpart B of part 7 of subtitle B of title I of the Employee Retirement Income Security Act of 1974 ( 29 U.S.C. 1185 716. Information required to be included on health insurance membership cards In the case of a group health plan or health insurance issuer offering group health insurance coverage that provides a physical or electronic card indicating membership in such plan or coverage to an individual enrolled under such plan or coverage, such group health plan or issuer shall include on such card each of the following: (1) The nearest hospital to the primary residence of such individual that has in effect a contractual relationship with such plan or coverage for furnishing items and services under such plan or coverage. (2) A telephone number or Internet website address through which such individual may seek consumer assistance information, such as information related to hospitals and urgent care facilities that have in effect a contractual relationship with such plan or coverage for furnishing items and services under such plan or coverage. (3) Any deductible applicable to such individual. (4) Any out-of-pocket maximum applicable to such individual. (5) Any cost-sharing obligation applicable to such individual for a visit at an emergency department, or urgent care facility, that has in effect a contractual relationship with such plan or coverage for furnishing items and services under such plan or coverage. . (2) Nonapplication of incorporation provisions Section 715(a) of the Employee Retirement Income Security Act of 1974 ( 29 U.S.C. 1185d(a) (A) in paragraph (1), by striking (as amended by the Patient Protection and Affordable Care Act) (other than the provisions of section 2730 of the Public Health Service Act) (B) in paragraph (2), by inserting (other than the provisions of section 2730 of the Public Health Service Act) a provision of such part A (3) Clerical amendment The table of contents in section 1 of the Employee Retirement Income Security Act of 1974 is amended by inserting after the item relating to section 714 the following new items: Sec. 715. Additional market reforms. Sec. 716. Information required to be included on health insurance membership cards. .

Summary: Better Information Act of 2020 This bill requires private health insurance plans to include on insurance membership cards the hospital nearest to the primary residence of the plan holder, contact information for customer service, deductible amount applicable to the plan holder, out-of-pocket maximum applicable to the plan holder, and cost-sharing amount for in-network emergency or urgent care services applicable to the plan holder.