,,ii #aaf? ,,congress #a/ ,session ,s4 #fah ,,9 ,,! ,,s5ate ,,( ,,! ,,unit$ ,,/ates ,febru>y #bh1 #bjai,mr4 ,coons 7= himself1 ,mr4 ,cassidy1 ,mr4 ,b>rasso1 & ,mr4 ,b5net7 introduc$ ! foll[+ bill2 :i* 0 read twice & ref]r$ to ! ,committee on ,f9ance ,a ,,bill ,to am5d title ,,xviii ( ! ,social ,security ,act to enc\rage ,m$ic>e b5efici>ies to volunt>ily adopt advance directives guid+ ! m$ical c>e !y receive4 #a4 ,%ort title ,?is ,act may be cit$ z ! ,m$ic>e ,*oices ,emp[]m5t & ,protection ,act4 #b4 ,m$ic>e advance directive c]tification program ,"p ,b ( title ,,xviii ( ! ,social ,security ,act 7#db ,u4,s4,c4 #acie et seq47 is am5d$ by add+ at ! end ! foll[+ new section3 #ahdi4 ,m$ic>e advance directive c]tification program 7a7 ,9 g5]al 7#a7 ,e/abli%m5t ( ,program ,! ,secret>y %all e/abli% & implem5t an ,advance ,directive ,c]tification ,program 79 ?is section ref]r$ to z ! ,program7 "u :i* ! ,secret>y %all enc\rage eligible b5efici>ies to adopt & ma9ta9 c]tifi$ advance directives to guide ! deliv]y ( heal? c>e to su* b5efici>ies4 ,! ,secret>y %all implem5t ! ,program n lat] ?an #c ye>s aft] ! date ( enactm5t ( ?is section4 7#b7 ,def9itions ,9 ?is section3 7,a7 ,c]tifi$ advance directive ,! t]m c]tifi$ advance directive means any electronically /or$ /atem5t by an eligible b5efici>y :i*-- 7i7 provides in/ructions t outl9e ! k9d ( m$ical treatm5ts & c>e t su* b5efici>y w\ld want or n want "u p>ticul> conditions1 & may also include ! id5tification ( a heal? c>e proxy or legal repres5tative to make m$ical treatm5t decisions = ! b5efici>y if ! b5efici>y becomes unable to make or communicate ^? decisions2 7ii7 is execut$ 9 accordance ) ! law gov]n+ advance directives ( ! ,/ate involv$2 & 7iii7 is (f]$ by an entity t has receiv$ accr$itation f ! ,secret>y "u ?is section4 7,b7 ,eligible ,b5efici>y ,! t]m eligible b5efici>y means an individual enroll$ "u ?is "p4 7#c7 ,volunt>y ,p>ticipation 9 ! ,program %all be volunt>y ) respect to ! eligible b5efici>y & an eligible b5efici>y :o has regi/]$ a c]tifi$ advance directive "u ! ,program may t]m9ate su* directive at any "t4 ,no?+ 9 ?is section %all require an eligible b5efici>y to adopt or ma9ta9 a c]tifi$ advance directive4 7#d7 ,be/ practices ,9 e/abli%+ & implem5t+ ! ,program1 ! ,secret>y %all consid]-- 7,a7 be/ practices )9 exi/+ advance directive regi/ry te*nologies1 programs1 & sy/ems1 includ+ web-bas$ or cl\d-bas$ advance directive te*nologies-- 7i7 :i* may utilize "t & date /amps1 video1 or o!r innovative measures to protect ! au!nticity1 improve ! quality1 & enhance ! security ( su* directives2 & 7ii7 :i* may utilize secure email & messag+ te*nologies & nationally recogniz$ heal? c>e in=mation te*nology /&>ds to improve ! accessibility & int]op]ability ( su* directives2 & 7,b7 be/ practices = educat+ b5efici>ies on means = communicat+ b5efici>ies' au!nticat$ wi%es to applicable family memb]s1 legal repres5tatives1 provid]s or heal? c>e proxies1 includ+ ! use ( email or o!r mail =mats z well z access ?r\gh mobile devices 7z def9$ by ! ,secret>y74 7#e7 ,enrollm5t & dis5rollm5t ,! ,secret>y %all e/abli% proc$ures = eligible b5efici>ies to enroll & dis5roll "u ! ,program4 ,su* proc$ures %all ensure t enrollm5t & dis5rollm5t is available ?r\gh an onl9e process4 ,! ,secret>y %all also e/abli% proc$ures to ensure ,program p>ticipants c update or am5d an advance directive 9 a timely & secure mann]4 7#f7 ,/ate ,law ,?is section %all 9 no way sup]c$e1 abrogate1 or o!rwise int]f]e ) ,/ate law gov]n+ advance directives4 ,"u ! ,program1 ! ,secret>y %all e/abli% a process "u :i* ! ,secret>y is requir$ to v]ify t digital advance directive v5dors or o!r entities provid+ a digital advance directive p>ticipat+ 9 ! program enable ^? us+ _! s]vices to complete advance directives t fully comply ) ! law gov]n+ advance directives ( ! ,/ate involv$4 7#g7 ,display ( ,/atutory & ,alt]native ,advance ,directive ,=ms ,"u ! ,program1 ! ,c5t]s = ,m$ic>e ,m$icaid ,s]vices %all provide1 ?r\gh a cle>+h\se website1 l9ks to /atutory & alt]native advance directive =ms & a ,/ate-by-,/ate index to su* =ms to all[ a b5efici>y to create1 adopt1 modify1 & t]m9ate an advance directive ) any cont5t p]mitt$ or requir$1 & 9 any =m au?oriz$ by a ,/ate1 9 accordance ) ! requirem5ts ( subp>agraphs 7,c7 ?r\gh 7,e7 ( subsection 7e77#a7 & subsection 7e77#b74 7#h7 ,access 9 ,cases ( ,dispute ov] ,treatm5t ,"u ! ,program3 7,a7 ,special ,access ,! ,secret>y %all e/abli% a process :]eby1 ) respect to a b5efici>y ) a c]tifi$ advance directive1 a p]son describ$ 9 subp>agraph 7,b7 may obta9 access to ! b5efici>y's advance directive = ! purposes ( view+ & %>+ su* advance directive :5-- 7i7 ! provisions ( ! advance directive h come into =ce "u ! applicable ,/ate's law because ! b5efici>y has become incapable ( mak+ heal? c>e decisions or "u o!r circum/ances provid$ "u ,/ate law2 & 7ii7 at lea/ "o p]son describ$ 9 subp>agraph 7,b7 is que/ion+ or disput+ ! provision1 )hold+1 or )drawal ( m$ical treatm5t1 food1 or fluids ) respect to ! b5efici>y4 7,b7 ,int]e/$ ,individuals ,a p]son describ$ 9 ?is subp>agraph1 ) respect to a b5efici>y1 is-- 7i7 any individual :o is a memb] ( any class ( p]sons :o1 "u ! applicable ,/ate's law1 w\ld pot5tially be eligible to s]ve z a heal? c>e decision mak] = ! b5efici>y if an advance directive _h n be5 execut$ reg>dless ( :e!r high] priority = su* eligibility w\ld be accord$ to ano!r individual or individuals2 & 7ii7 if ! applicable ,/ate's law does n designate p]sons or classes ( p]sons describ$ 9 clause 7i71 any p]son relat$ )9 ! ?ird degree ( consangu9ity or aff9ity to ! b5efici>y4 7b7 ,regi/ration 7#a7 ,9 g5]al ,! ,secret>y %all e/abli% proc$ures = an eligible b5efici>y to regi/] su* b5efici>y's adoption ( a c]tifi$ advance directive "u ! ,program4 ,su* proc$ures %all ensure t regi/ration is available ?r\gh an onl9e process4 ,! ,secret>y %all also e/abli% proc$ures to ensure ,program p>ticipants c update previ\sly regi/]$ in=mation t is no long] accurate & indicate t an advance directive has be5 t]m9at$4 7#b7 ,requir$ in=mation ,9 addition to su* o!r in=mation z ! ,secret>y may deem appropriate1 an eligible b5efici>y seek+ to regi/] a c]tifi$ advance directive "u ! ,program %all indicate :]e ! advance directive is ma9ta9$ or h[ x may be access$4 7#c7 ,regi/ration p]iods ,! proc$ures e/abli%$ "u p>agraph 7#a7 %all provide t regi/ration "u ! ,program %all occur dur+-- 7,a7 an eligible b5efici>y's initial enrollm5t "u an ,,ma plan "u "p ,c z describ$ 9 p>agraph 7#a7 ( section #ahea7;e72 & 7,b7 ! annual1 coord9at$ election p]iod "u p>agraph 7#c7 ( su* section4 7#d7 ,privacy & security 7,a7 ,9 g5]al ,! ,secret>y %all ensure t all aspects ( ! regi/ration sy/em comply ) ! ,f$]al regulations 7conc]n+ ! privacy ( individually id5tifiable heal? in=mation7 promulgat$ "u section #bfd7;c7 ( ! ,heal? ,insurance ,portability & ,acc\ntability ,act ( #aiif subject to ! access au?oriz$ "u subsection 7a77#h71 9 accordance ) subsection 7c77#b77;,e74 7,b7 ,access ,! ,secret>y %all utilize /&>diz$ data protections & privacy /&>ds1 includ+ ! ,f$]al regulations describ$ 9 p>agraph 7#a71 to ensure t ! regi/ration record ( an eligible b5efici>y c only be access$ by-- 7i7 ! b5efici>y1 ?r\gh ! process e/abli%$ "u p>agraph 7#a72 7ii7 ^? au?oriz$ to access ! advance directive "u subsection 7a77#h7 & subsection 7c77#b77;,e72 & 7iii7 provid]s ( s]vices & suppli]s p>ticipat+ "u ?is title1 ?r\gh a process e/abli%$ by ! ,secret>y4 7c7 ,accr$itation 7#a7 ,9 g5]al ,"u ! ,program1 ! ,secret>y %all-- 7,a7 grant accr$itation to advance directive v5dors & o!r entities provid+ advance directives t meet ! accr$itation crit]ia e/abli%$ "u p>agraph 7#b72 & 7,b7 e/abli% a process :]eby advance directive v5dors & o!r entities provid+ advance directives may obta9 accr$itation "u ?is subsection4 7#b7 ,accr$itation crit]ia ,! ,secret>y1 9 consultation ) ! ,g5]al ,acc\nt+ ,(fice1 %all e/abli% accr$itation crit]ia = advance directive v5dors & o!r entities provid+ advance directives t seek to (f] advance directives to be c]tifi$ "u ! ,program4 ,su* crit]ia %all consi/ ( ! foll[+3 7,a7 ,process = adopt+ advance directive ,! advance directive v5dor or o!r entity provid+ an advance directive %all all[ a b5efici>y to create1 adopt1 modify1 & t]m9ate an advance directive ?r\gh an onl9e process4 7,b7 ,v5dors ,! advance directive v5dor or o!r entity provid+ an advance directive %all comply ) an annual quality review to be conduct$ by ! ,secret>y4 7,c7 ,use ( /atutory & alt]native advance directive =ms ,! advance directive v5dor or o!r entity provid+ an advance directive %all enable a b5efici>y to access1 complete1 modify1 & adopt any advance directive applicable to ! ,/ate indicat$ by ! b5efici>y :o is po/$ z provid$ "u subp>agraphs 7,c7 ?r\gh 7,e7 ( subsection 7e77#a7 & ( subsection 7e77#b74 7,d7 ,access ,! advance directive v5dor or o!r entity provid+ an advance directive %all ma9ta9 advance directives 9 su* a way t-- 7i7 an eligible b5efici>y :o has adopt$ an advance directive ) su* v5dor or entity & any family memb]1 legal repres5tative1 or heal? c>e proxy legally designat$ by su* b5efici>y has direct1 has ne> real-"t onl9e access to ! b5efici>y's advance directive = purposes ( view+ & %>+ su* advance directive1 includ+ communication ( ! advance directive & correspond+ b5efici>y's wi%es us+ nationally recogniz$ heal? c>e in=mation te*nology data cont5t & data transport /&>ds specifi$ by ! ,secret>y2 7ii7 9 ! case ( an eligible b5efici>y :o has adopt$ an advance directive ) su* v5dor or entity or any family memb]1 legal repres5tative1 or heal? c>e proxy legally designat$ by su* b5efici>y :o is unable or unwill+ to use ! onl9e access "u subp>agraph 7,a71 su* individual is able to obta9 a h>d copy ( ! b5efici>y's advance directive = ! purposes ( view+ & %>+ su* advance directive2 & 7iii7 provid]s ( s]vices & suppli]s p>ticipat+ "u ?is title h ne> real-"t onl9e access to ! advance directive ( an eligible b5efici>y :o has adopt$ an advance directive ) su* v5dor or entity1 includ+ communication ( ! advance directive & correspond+ b5efici>y's wi%es ?r\gh secure email & messag+ te*nologies & nationally recogniz$ heal? c>e in=mation te*nology /&>ds specifi$ by ! ,secret>y to improve ! accessibility & int]op]ability ( su* directives4 7,e7 ,privacy protections 7i7 ,9 g5]al ,! advance directive v5dor or o!r entity provid+ an advance directive %all comply ) ! ,f$]al regulations 7conc]n+ ! privacy ( individually id5tifiable heal? in=mation7 promulgat$ "u section #bfd7;c7 ( ! ,heal? ,insurance ,portability & ,acc\ntability ,act ( #aiif 7#db ,u4,s4,c4 #acbj;d-#b note71 subject to ! access au?oriz$ "u subp>agraph 7,d7 & subsection 7a77#h74 7ii7 ,access ,su* v5dor or entity %all utilize /&>diz$ data protections & privacy /&>ds1 includ+ ! ,f$]al regulations describ$ 9 clause 7i71 to ensure t ! cont5t ( an eligible b5efici>y's advance directive is own$ & ma9ta9$ by ! b5efici>y & c only be access$ by ^? au?oriz$ to access ! advance directive "u subp>agraph 7,d7 & subsection 7a77#h74 7,f7 ,security & te/+ ,! advance directive v5dor or o!r entity provid+ an advance directive %all c]tify t-- 7i7 all data managem5t & data transf] elem5ts involv$ 9 adopt+1 ma9ta9+1 & access+ ! advance directive h successfully pass$ rigor\s indep5d5t te/+ reg>d+ /&>ds ( timel9ess1 accuracy1 & effici5cy2 7ii7 ! data managem5t & data transf] elem5ts involv$ 9 adopt+1 ma9ta9+1 & access+ ! advance directive meet widely accept$ indu/ry security /&>ds2 & 7iii7 ! sy/em t provides access to ! advance directive has pass$ real-"t te/s simulat+ a reali/ic volume ( b5efici>ies & provid]s access+ advance directives simultane\sly4 7,g7 ,c]tifi$ advance directives ,! advance directive v5dor or o!r entity provid+ an advance directive %all agree to (f] c]tifi$ advance directives 7z def9$ 9 subsection 7a77#b77;,a774 7,h7 ,b5efici>y ,surveys 7i7 ,9 g5]al ,! advance directive v5dor or o!r entity provid+ an advance directive %all agree to adm9i/] annual b5efici>y surveys on ! in=mation describ$ 9 clause 7ii7 & submit ! results ( su* surveys to ! ,c5t]s = ,m$ic>e ,m$icaid ,s]vices4 7ii7 ,in=mation ,! in=mation describ$ 9 ?is clause1 ) respect to an annual b5efici>y survey & c]tifi$ advance directive ( a b5efici>y1 is ! foll[+3 7,i7 ,:e!r ! b5efici>y _h to pay any ?ird p>ty = ! creation1 /orage1 or retrieval ( ! c]tifi$ advance directive4 7,,ii7 ,:e!r ! b5efici>y _h a heal? c>e enc\nt] or em]g5cy t requir$ ! location1 access1 retrieval1 or consultation ( ! c]tifi$ advance directive & if s1 :e!r ! c]tifi$ advance directive 0 accessible 9 onl9e & 9 ne> real-"t1 z requir$ "u ?is section4 7,,iii7 ,:e!r ! c]tifi$ advance directive 0 actionable4 7,,iv7 ,:e!r m$ical p]sonnel foll[$ ! c]tifi$ advance directive4 7d7 ,inc5tive 7#a7 ,9 g5]al ,! ,secret>y %all make a "o-"t paym5t ( ! am\nt specifi$ 9 p>agraph 7#b7 to ea* eligible b5efici>y :o adopts a c]tifi$ advance directive & regi/]s su* directive ) ! ,program4 7#b7 ,am\nt 7,a7 ,9 g5]al ,= purposes ( p>agraph 7#a71 ! am\nt specifi$ 9 ?is p>agraph is-- 7i7 = a b5efici>y :o regi/]s a c]tifi$ advance directive ) ! ,program 9 #bjai1 #ge2 or 7ii7 = a b5efici>y :o regi/]s a c]tifi$ advance directive ) ! ,program 9 a subsequ5t ye>1 ! am\nt specifi$ 9 ?is p>agraph = ! prec$+ ye> increas$ by ! p]c5tage increase 9 ! ,*a9$ ,consum] ,price ,index = ,all ,urban ,consum]s 7z publi%$ by ! ,bureau ( ,labor ,/ati/ics ( ! ,dep>tm5t ( ,labor7 ov] ! prec$+ ye>4 7,b7 ,r\nd+ ,if any am\nt det]m9$ "u subp>agraph 7,a7 is n a multiple ( #aj c5ts1 su* am\nt %all be r\nd$ to ! ne>e/ multiple ( #aj c5ts4 7#c7 ,fund+ ,= purposes ( c>ry+ out ?is subsection1 ! ,secret>y %all provide = ! transf]1 f ! ,f$]al ,supplem5t>y ,m$ical ,insurance ,tru/ ,fund "u section #ahda1 ( su* sums z ! ,secret>y det]m9es necess>y4 7#d7 ,adm9i/ration ,! ,secret>y %all1 ?r\gh a full notice & comm5t rulemak+ process1 e/abli% proc$ures =-- 7,a7 mak+ ! inc5tive paym5t directly to ! eligible b5efici>y or a p]sonal acc\nt ma9ta9$ by ! b5efici>y at a f9ancial in/itution t has be5 designat$ by ! b5efici>y1 & ensur+ t no o!r entity receives ! paym5t on ! b5efici>y's behalf2 & 7,b7 ensur+ t a b5efici>y does n receive an inc5tive paym5t "u ?is section m ?an once4 7e7 ,education & outrea* 7#a7 ,9 g5]al ,! ,secret>y %all provide =-- 7,a7 ! inclusion ( ! /atem5t set =? 9 p>agraph 7#c7 9 ! ,m$ic>e & ,y h&book "u section #ahjd & on a cle>+h\se website l9k$ to ! ,int]net website ( ! ,c5t]s = ,m$ic>e ,m$icaid ,s]vices2 7,b7 ! promotion ( ! b5efits ( electronic advance directives s]vices1 z !y become available1 ?r\gh ! use ( mass communications & o!r means2 7,c7 ! inclusion1 "u ! head+ ,/atutory ,advance ,directive ,=ms1 ( any relevant =ms1 :e!r m&atory or optional1 specifi$ 9 ! /atues or regulations ( ! ,/ates to be display$ on a cle>+h\se website2 7,d7 ! inclusion1 "u ! head+ ,alt]native ,advance ,directive ,=ms1 on a sep>ate cle>+h\se website1 & 9 accordance ) p>agraph 7#b7-- 7i7 ( o!r advance directive =ms submitt$ to ! ,secret>y by individuals & gr\ps 9 an electronic =mat specifi$ by ! ,secret>y = :i* ! submitt+ entity includes1 = ea* =m submitt$1 an op9ion by an attorney lic5s$ to practice 9 ! relevant ,/ate demon/rat+ t ! submitt$ =m complies ) ! law ( t ,/ate2 & 7ii7 ( ! foll[+ disclaim]1 :i* %all be prom95tly po/$ on ! website3 ,?is website includes = y\r consid]ation alt]native advance directive =ms submitt$ by individuals or gr\ps reflect+ diff]5t p]spectives on advance heal? c>e decisions :i* y may wi% to review be=e complet+ y\r own advance directive42 & 7,e7 ! inclusion ( a us]-fri5dly index on ! cle>+h\se website by ,/ate &1 9 ! case ( ! ,alt]native ,advance ,directive ,=ms1 by ! "n ( ! provid]1 s t a us] may readily access ^? /atutory & alt]native =ms4 7#b7 ,alt]native advance directive =ms 7,a7 ,9 g5]al ,= purposes ( p>agraph 7#a77;,d71 ! foll[+ %all apply3 7i7 ,n lat] ?an #fj days aft] receiv+ an advance directive =m submitt$ "u su* p>agraph1 ! ,secret>y %all ei!r po/ ! submitt$ =m on a cle>+h\se website or provide to ! submitt+ entity a detail$ explanation ( ! basis = ! ,secret>y's det]m9ation t ! submitt$ =m does n comply ) relevant ,/ate or ,f$]al law1 :i* det]m9ation %all be subject to judicial review "u section #gjb ( title #e ( ! ,unit$ ,/ates ,code2 & 7ii7 ! ,secret>y %all ei!r remove or refuse to po/ any submitt$ =m if provid$ ) an (ficial det]m9ation by ! ,attorney ,g5]al ( ! applicable ,/ate t ! =m is n 9 compliance ) ,/ate law1 subject to applicable ,/ate law describ$ 9 subp>agraph 7,b74 7,b7 ,/ate law describ$ ,= purposes ( subp>agraph 7,a71 ,/ate law describ$ 9 ?is subp>agraph is-- 7i7 a rul+ by a c\rt ( ! applicable ,/ate1 or by a ,f$]al c\rt apply+ t ,/ate's law1 subject to subsequ5t rul+s by a c\rt or c\rts ) au?ority to sup]c$e t rul+2 or 7ii7 a /atute or regulation ( ! applicable ,/ate t provides = a specific proc$ure = (ficially det]m9+ :e!r p>ticul> advance directive =ms comply ) ,/ate law4 7#c7 ,/atem5t ,= purposes ( p>agraph 7#a77;,a71 ! /atem5t includ$ 9 ?is p>agraph is ! foll[+ /atem5t1 ) appropriate ins]tions 9 ! bracket$ segm5ts updat$ at lea/ annually3 ,,:y ,,y ,,may ,,want ,,to ,,consid] ,,an ,,advance ,,directive ,d y ev] worry :at w\ld happ5 if y became unable to make heal? c>e decisions = y\rself because ( an illness or injury8 ,d y hold c]ta9 values & beliefs ) respect to y\r m$ical treatm5t t y w\ld want to be upheld if y 7 unable to convey !m y\rself8 ,t's :at an advance directive is =4 ,y c use x to give directions = y\r heal? c>e provid]s & family ab\t y\r heal? c>e wi%es t are to be foll[$ if y are no long] able to speak = y\rself4 ,y c also "n someone y tru/1 l a family memb] or fri5d1 to give heal? c>e directions = y :5 y c't d s y\rself4,y %\ld consid] c>efully :o to *oose to speak = y & :at directions y want to give to ensure y\r repres5tative cle>ly reflects y\r own values & treatm5t pref]5ces4 ,y %\ld n feel pressur$ to violate y\r own values & pref]5ces1 & y are entitl$ to implem5t !m )\t discrim9ation bas$ on age or degree ( disability4 ,!re are _m res\rces to help y4,by *oos+ ! "n ( a ,/ate at ,,ins]t "n ( webpage = ! index provid$ 9 p>agraph 7#a77;,e7 ( ?is subsection & its ,,url 7&1 on ! cle>+h\se website1 include a hyp]l9k to x71 y c f9d sample advance directives = t ,/ate4 ,y c see any sample or requir$ =ms giv5 9 ,/ate law1 z well z o!rs f individuals or gr\ps ) diff]5t viewpo9ts on advance heal? c>e decisions :i* y may wi% to review be=e complet+ y\r own advance directive4,bel[ is contact in=mation = ! accr$it$ v5dor 9 y\r ,/ate :o w arrange = y\r advance directive to be confid5tially kept onl9e1 :]e x c be se5 by doctors :o are treat+ y s !y are made aw>e ( y\r wi%es4 ,y c also give p]mission to c]ta9 o!r p1 l family memb]s or fri5ds1 y want to be able to get a copy ( y\r advance directive4 ,if a disagreem5t ab\t y\r treatm5t develops1 dep5d+ on y\r ,/ate's law c]ta9 o!r p may also be all[$ to see x4,?is v5dor c also help y create an advance directive onl9e or ) pap] docum5ts1 if y wi%4 ,onl9e directives all[ y to *ange or cancel "o t no long] fits ) y\r wi%es 9 a m timely mann]4,,ins]t1 "n & contact in=mation = curr5tly accr$it$ advance directive v5dor 7&1 on ! cle>+h\se website1 hyp]l9ks to _! website74,al?\gh any adult :o is capable ( do+ s c use ^! res\rces to complete an advance directive at any "t1 ,m$ic>e b5efici>ies are p>ticul>ly enc\rag$ to d s :5 enroll+ 9 ,m$ic>e or dur+ ! annual enrollm5t p]iod :5 y c *oose among diff]5t ,m$ic>e heal? insurance alt]natives4,9 addition1 "s ,m$ic>e ,advantage plans or supplem5tal insurance plans may (f] a f9ancial inc5tive or o!r additional b5efits = creat+ an advance directive onl9e4,by complet+ an advance directive y c n only make x m likely t y\r wi%es ab\t heal? c>e w be kn[n if y are unable to tell !m at ! "t1 b also sp>e family1 fri5ds1 & doctors ! difficulty ( try+ to figure out :at y w\ld h want$4 ,^! are matt]s ( ! highe/ importance t c affect life-or-dea? decisions1 z well z y\r future com=t & well-be+4 ,y are enc\rag$ to ?9k ab\t !m c>efully1 & give s]i\s consid]ation to record+ y\r wi%es 9 an advance directive4 4