(1) The health carrier must have a policy in place to address the needs of enrollees with limited English proficiency and/or illiteracy, those with diverse cultural and ethnic backgrounds, and those with physical and mental disabilities, in order to insure that these characteristics do not pose barriers to gaining access to services. This policy shall, at a minimum, describe the health carrier's methods for providing the following:

(a) interpreter services to allow effective communication regarding treatment, medical history and health education;

(b) appropriate and sufficient personnel, physical resources and equipment to meet the basic health care needs of these enrollees; and

(c) education to providers and other employees about the needs of these covered persons.