By signing below, I’m confirming I understand all information and my responsibility as a client of Brighterday Insurance Services, LLC.

1) I understand that it is my responsibility to review the summary of benefits on the insurance plan that is presented to me and ensure I save a copy for the year it is eligible to refer to on all coverage and cost.

2) If I’m on an HMO plan, I understand that in most cases with HMO insurance plans I will need a referral from my primary care physician to any specialist. I also understand I cannot see a specialist until said referral is received by the specialist office or I could be charged in full for the doctor's visit.

3) It is my responsibility to check if my current providers are in my plan's network even though it’s been checked online in the carrier portal. Not all providers update carriers of changes and/or renew yearly contracts.

4) I am aware I need to check the formulary on my insurance plan to ensure my medications will be covered.

5) I understand that if I move I need to inform my agent within 2 weeks as plans could change based on changes of counties and states. It is best to communicate before making the move to know what to expect for your new area. I understand moving is a qualifying life event and I’ve got 60 days to make the change or my plan could be terminated for being outside the service area.

6) It is my responsibility to ensure my premium payments are made on time per month and confirm automatic payments are being deducted. You can work directly with member services to verify your account is current. If your plan is terminated due to lack of payment there could be a delay in coverage.