Group health plans that are subject to HIPAA's portability provisions must notify employees of the plan's special enrollment rules. Employees must be notified on or before they become eligible to enroll. To provide this notice a plan may use the model language or may draft its own language, as long as it is consistent with HIPAA's special enrollment rules.

HIPAA Special Enrollment

The Women's Health and Cancer Rights Act requires group health plans and health insurance issuers to provide certain benefits relating to post-mastectomy surgery. A notice about these rights must be provided to a participant upon enrollment in the plan and thereafter on an annual basis. The enrollment notice and the annual notice have different content requirements. However, Mercer recommends providing the enrollment notice annually and in new hire materials instead of the annual notice.

Women's Health and Cancer Rights Act

The Newborns' and Mothers' Health Protection Act (NMHPA or Newborns Act) requires group health plans to provide hospital coverage for a newborn and a mother for a period of at least 48 hours following a normal vaginal delivery and 96 hours following cesarean delivery.

Newborns' and Mothers' Health Protection Act

COBRA continuation coverage can become available to you when you would otherwise lose your group health coverage. It can also become available to other members of your family who are covered under the Plan when they would otherwise lose their group health coverage.

Continuation Coverage Rights Under COBRA

The purpose of this notice is to advise you that the prescription drug coverage listed below under The Rose Group medical/Rx plans are expected to payout, on average, at least as much as the standard Medicare prescription drug coverage will pay. This is known as “creditable coverage.”

Why this is important. If you or your covered dependent(s) are enrolled in any prescription drug coverage during the year listed in this notice and are or become covered by Medicare, you may decide to enroll in a Medicare prescription drug plan later and not be subject to a late enrollment penalty – as long as you had creditable coverage within 63 days of your Medicare prescription drug plan enrollment. You should keep this notice with your important records. If you or your family members aren’t currently covered by Medicare and won’t become covered by Medicare in the next 12 months, this notice doesn’t apply to you. This notice is updated each year in October for the coming plan year.

Creditable Prescription Drug Coverage and Medicare  

The federal Children's Health Insurance Program (CHIP) includes premium assistance provisions that allow states to use CHIP funds to pay the cost of an eligible child's employer-sponsored group health plan coverage (and in some instances, eligible adults). It provides general information about premium assistance and special enrollment and includes federal and state-specific contact and website information for the 40 states that currently have these programs.

Children's Health Insurance Program (CHIP)  

USERRA protects the job rights of individuals who voluntarily or involuntarily leave employment positions to undertake military service or certain types of service in the National Disaster Medical System. USERRA also prohibits employers from discriminating against past and present members of the uniformed services, and applicants to the uniformed services.

USERRA  

Since 2014 there is a new way to buy health insurance.  To assist you as you evaluate your and your family options, this notice give some basic answers and directs you to references to review to make your choice.

Health Insurance Market Place Notice  

Associates have available to them based on predetermined criteria the Value Plan.  The information in this notice provides the details and definitions of that plan's offering.

Medical Plan Summary of Benefits  

This is a summary of the annual report that has been filed with the Employee Benefits Security Administration, U.S. Department of Labor, as required under the Employee Retirement Income Security Act of 1974 (ERISA).

Aetna Annual Summary Report