What will individuals covered under a group contract receive?

Individuals covered under a group contract receive a Certificate. This document serves as proof of coverage for the members of the group and outlines the essential benefits and terms of the insurance plan. The Certificate is especially important in group insurance because it provides details specific to the individual’s coverage, such as eligibility, benefits, and any exclusions that may apply.

While a Policy Summary and a Buyer's Guide are important documents within the insurance industry, they do not serve the same function as the Certificate for individuals who are part of a group contract. A Policy Summary is a broader overview of the insurance policy but is typically not personalized for each individual. A Buyer's Guide offers general information to help consumers understand their options and make informed decisions but is not specific to the group coverage. A Coverage Statement, while it may contain relevant details, does not fulfill the formal purpose of showing proof of coverage like the Certificate does. Thus, the Certificate is the essential document that group contract members rely on.