{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/38.2-3424.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/38.2-3424.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/38.2-3424.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/38.2-3424.html"}],"law_id":64092,"edition_id":1,"section_id":64092,"structure_id":16142,"section_number":"38.2-3424","catch_line":"Disclosure of extent and elements of coverage","history":"1983, c. 417, \u00a7 38.1-43.11; 1986, c. 562; 1990, c. 477.","full_text":"A\n\nAny agent, agency, administrator, or other person that advertises, sells, transacts, or administers coverage for health care services in this Commonwealth where that coverage is provided by any person subject to the provisions of this article shall inform any purchaser, prospective purchaser, or covered person of (i) the lack of insurance or other coverage, unless that coverage is fully insured or otherwise fully covered by an admitted life insurer, accident and sickness insurer, health services plan, dental or optometric services plan, or health maintenance organization and (ii) if the coverage is fully insured or otherwise fully covered, the terms, coverages, limits, and deductibles including the amount of “stop-loss” insurance in effect.B\n\nNo person, including an administrator, insurer, agent, or affiliate of an insurer shall make, publish, disseminate, circulate, or place before the public, or cause, directly or indirectly, to be made, published, disseminated, circulated, or placed before the public, in any newspaper, magazine or other publication, or in the form of a notice, circular, pamphlet, letter or poster, or over any radio station or television station, or in any other way, any advertisement, announcement, or statement soliciting membership, offering coverage, or evidencing coverage in any health care plan or arrangement which is subject to regulation by the Commission under this article and not otherwise regulated by this title, unless such advertisement, announcement, or statement contains the following disclosure:\n\t\t\tYour plan of coverage is not protected under the Virginia Life, Accident and Sickness Insurance Guaranty Association Act. Therefore:1\n\nIn the event of an insolvency of your plan, you may be unable to collect any amount you are owed for covered claims, regardless of the coverage provided under the plan;2\n\nThe payment of premiums into your plan does not guarantee payment of claims under your plan, regardless of the coverage provided under the plan.\n\t\t\t\tWhen such disclosure is contained in print, it shall be no smaller than boldfaced ten-point type.","order_by":null,"text":{"0":{"id":233364,"text":"Any agent, agency, administrator, or other person that advertises, sells, transacts, or administers coverage for health care services in this Commonwealth where that coverage is provided by any person subject to the provisions of this article shall inform any purchaser, prospective purchaser, or covered person of (i) the lack of insurance or other coverage, unless that coverage is fully insured or otherwise fully covered by an admitted life insurer, accident and sickness insurer, health services plan, dental or optometric services plan, or health maintenance organization and (ii) if the coverage is fully insured or otherwise fully covered, the terms, coverages, limits, and deductibles including the amount of “stop-loss” insurance in effect.","type":"section","prefixes":["A"],"prefix":"A","entire_prefix":"A","prefix_anchor":"A","level":1,"next_prefix":"B"},"1":{"id":233365,"text":"No person, including an administrator, insurer, agent, or affiliate of an insurer shall make, publish, disseminate, circulate, or place before the public, or cause, directly or indirectly, to be made, published, disseminated, circulated, or placed before the public, in any newspaper, magazine or other publication, or in the form of a notice, circular, pamphlet, letter or poster, or over any radio station or television station, or in any other way, any advertisement, announcement, or statement soliciting membership, offering coverage, or evidencing coverage in any health care plan or arrangement which is subject to regulation by the Commission under this article and not otherwise regulated by this title, unless such advertisement, announcement, or statement contains the following disclosure:\n\t\t\tYour plan of coverage is not protected under the Virginia Life, Accident and Sickness Insurance Guaranty Association Act. Therefore:","type":"section","prefixes":["B"],"prefix":"B","entire_prefix":"B","prefix_anchor":"B","level":1,"prior_prefix":"A","next_prefix":"B1"},"2":{"id":233366,"text":"In the event of an insolvency of your plan, you may be unable to collect any amount you are owed for covered claims, regardless of the coverage provided under the plan;","type":"section","prefixes":["B","1"],"prefix":"1","entire_prefix":"B1","prefix_anchor":"B1","level":2,"prior_prefix":"B","next_prefix":"B2"},"3":{"id":233367,"text":"The payment of premiums into your plan does not guarantee payment of claims under your plan, regardless of the coverage provided under the plan.\n\t\t\t\tWhen such disclosure is contained in print, it shall be no smaller than boldfaced ten-point type.","type":"section","prefixes":["B","2"],"prefix":"2","entire_prefix":"B2","prefix_anchor":"B2","level":2,"prior_prefix":"B1"}},"ancestry":[{"id":16142,"edition_id":1,"name":"Jurisdiction over Providers of Health Care Services","identifier":"3","label":"article","depth":3,"order_by":1,"parent_id":12993,"metadata":{},"date_created":"2026-06-26 04:07:21","date_modified":"2026-06-26 04:07:21","permalink":{"id":215333,"object_type":"structure","relational_id":16142,"identifier":"3","token":"38.2\/34\/3","url":"\/38.2\/34\/3\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12993,"edition_id":1,"name":"Provisions Relating to Accident and Sickness Insurance","identifier":"34","label":"chapter","depth":2,"order_by":1,"parent_id":12698,"metadata":{},"date_created":"2026-06-26 03:44:07","date_modified":"2026-06-26 03:44:07","permalink":{"id":214887,"object_type":"structure","relational_id":12993,"identifier":"34","token":"38.2\/34","url":"\/38.2\/34\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12698,"edition_id":1,"name":"Insurance","identifier":"38.2","label":"title","depth":1,"order_by":1,"parent_id":null,"metadata":{},"date_created":"2026-06-26 03:43:49","date_modified":"2026-06-26 03:43:49","permalink":{"id":210661,"object_type":"structure","relational_id":12698,"identifier":"38.2","token":"38.2","url":"\/38.2\/","edition_id":1,"permalink":0,"preferred":1}}],"structure_contents":[{"id":64087,"structure_id":16142,"section_number":"38.2-3420","catch_line":"Authority and jurisdiction of Commission; exception","url":"\/38.2-3420\/","token":"38.2\/34\/3\/38.2-3420","metadata":false},{"id":70633,"structure_id":16142,"section_number":"38.2-3421","catch_line":"How to show jurisdiction of other state agency or federal government","url":"\/38.2-3421\/","token":"38.2\/34\/3\/38.2-3421","metadata":false},{"id":77260,"structure_id":16142,"section_number":"38.2-3422","catch_line":"Examination","url":"\/38.2-3422\/","token":"38.2\/34\/3\/38.2-3422","metadata":false},{"id":86693,"structure_id":16142,"section_number":"38.2-3423","catch_line":"When subject to this title","url":"\/38.2-3423\/","token":"38.2\/34\/3\/38.2-3423","metadata":false},{"id":64092,"structure_id":16142,"section_number":"38.2-3424","catch_line":"Disclosure of extent and elements of coverage","url":"\/38.2-3424\/","token":"38.2\/34\/3\/38.2-3424","metadata":false},{"id":79837,"structure_id":16142,"section_number":"38.2-3424.1","catch_line":"Applicability","url":"\/38.2-3424.1\/","token":"38.2\/34\/3\/38.2-3424.1","metadata":false}],"previous_section":{"id":86693,"structure_id":16142,"section_number":"38.2-3423","catch_line":"When subject to this title","url":"\/38.2-3423\/","token":"38.2\/34\/3\/38.2-3423","metadata":false},"next_section":{"id":79837,"structure_id":16142,"section_number":"38.2-3424.1","catch_line":"Applicability","url":"\/38.2-3424.1\/","token":"38.2\/34\/3\/38.2-3424.1","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-3424\/","history_text":"

This law was first created in 1983. The record of its establishment is cataloged in chapter 417 of that year\u2019s edition of \u201cActs of Assembly,\u201d the annual state publication listing all changes made to the Code of Virginia in that year. Unfortunately, the 1983 \u201cActs\u201d aren\u2019t available online. It has been modified 2 times. Those modifications are cataloged by \u201cThe Acts of Assembly,\u201d a state publication, by year and chapter. Those modifications that can be read on the General Assembly\u2019s website will be linked accordingly. Those modifications are as follows: in 1986, chapter 562; in 1990, chapter 477.<\/p>","references":false,"refers_to":false,"permalink":{"id":215351,"object_type":"law","relational_id":64092,"identifier":"38.2-3424","token":"38.2\/34\/3\/38.2-3424","url":"\/38.2-3424\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/38.2-3424\/","token":"38.2\/34\/3\/38.2-3424","dublin_core":{"Title":"Disclosure of extent and elements of coverage","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-3424","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

A.<\/span> Any agent, agency, administrator, or other person<\/span> that advertises, sells, transacts, or administers coverage for health care services in this Commonwealth where that coverage is provided by any person<\/span> subject to the provisions of this article shall inform any purchaser, prospective purchaser, or covered person<\/span> of (i) the lack of insurance<\/span> or other coverage, unless that coverage is fully insured or otherwise fully covered by an admitted life insurer<\/span>, accident and sickness insurer<\/span>, health services plan<\/span>, dental or optometric services plan, or health maintenance organization and (ii) if the coverage is fully insured or otherwise fully covered, the terms, coverages, limits, and deductibles including the amount of “stop-loss” insurance<\/span> in effect. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

B.<\/span> No person<\/span>, including an administrator, insurer<\/span>, agent, or affiliate of an insurer<\/span> shall make, publish, disseminate, circulate, or place before the public, or cause, directly or indirectly, to be made, published, disseminated, circulated, or placed before the public, in any newspaper, magazine or other publication, or in the form of a notice, circular, pamphlet, letter or poster, or over any radio station or television station, or in any other way, any advertisement, announcement, or statement soliciting membership, offering coverage, or evidencing coverage in any health care plan or arrangement which is subject to regulation by the Commission<\/span> under this article and not otherwise regulated by this title, unless such advertisement, announcement, or statement contains the following disclosure:\n\t\t\tYour plan of coverage is not protected under the Virginia Life, Accident and Sickness Insurance<\/span> Guaranty Association Act. Therefore: <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

1.<\/span> In the event of an insolvency of your plan, you may be unable to collect any amount you are owed for covered claims, regardless of the coverage provided under the plan; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

2.<\/span> The payment of premiums into your plan does not guarantee payment of claims under your plan, regardless of the coverage provided under the plan.\n\t\t\t\tWhen such disclosure is contained in print, it shall be no smaller than boldfaced ten-point type. <\/i><\/a><\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nDISCLOSURE OF EXTENT AND ELEMENTS OF COVERAGE (\u00a7 38.2-3424)\n\nA. Any agent, agency, administrator, or other person that advertises, sells,\ntransacts, or administers coverage for health care services in this Commonwealth\nwhere that coverage is provided by any person subject to the provisions of this\narticle shall inform any purchaser, prospective purchaser, or covered person of\n(i) the lack of insurance or other coverage, unless that coverage is fully\ninsured or otherwise fully covered by an admitted life insurer, accident and\nsickness insurer, health services plan, dental or optometric services plan, or\nhealth maintenance organization and (ii) if the coverage is fully insured or\notherwise fully covered, the terms, coverages, limits, and deductibles including\nthe amount of “stop-loss” insurance in effect.\n\nB. No person, including an administrator, insurer, agent, or affiliate of an\ninsurer shall make, publish, disseminate, circulate, or place before the public,\nor cause, directly or indirectly, to be made, published, disseminated,\ncirculated, or placed before the public, in any newspaper, magazine or other\npublication, or in the form of a notice, circular, pamphlet, letter or poster,\nor over any radio station or television station, or in any other way, any\nadvertisement, announcement, or statement soliciting membership, offering\ncoverage, or evidencing coverage in any health care plan or arrangement which is\nsubject to regulation by the Commission under this article and not otherwise\nregulated by this title, unless such advertisement, announcement, or statement\ncontains the following disclosure:\n\t\t\tYour plan of coverage is not protected under the Virginia Life, Accident and\nSickness Insurance Guaranty Association Act. Therefore:\n\n 1. In the event of an insolvency of your plan, you may be unable to collect\n any amount you are owed for covered claims, regardless of the coverage\n provided under the plan;\n\n 2. The payment of premiums into your plan does not guarantee payment of claims\n under your plan, regardless of the coverage provided under the plan.\n \t\t\t\tWhen such disclosure is contained in print, it shall be no smaller than\n boldfaced ten-point type.\n\nHISTORY: 1983, c. 417, \u00a7 38.1-43.11; 1986, c. 562; 1990, c. 477.","edition":{"id":1,"name":"2025","slug":"2025","date_created":"2026-06-21 22:39:22","date_modified":"2026-06-21 22:39:22","current":1,"order_by":1,"last_import":null}}