Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 Page 20 Page 21 Page 22 Page 23 Page 24 Page 25 Page 26 Page 27 Page 28 Page 29 Page 30 Page 31 Page 32 Page 33 Page 34 Page 35 Page 36 Page 37 Page 3826 ANNUAL DISCLOSURE NOTICE WOMEN’S HEALTH AND CANCER RIGHTS ACT (WHCRA) If you have had or are going to have a mastectomy, you may be entitled to certain benefits under the Women’s Health and Cancer Rights Act of 1998 (WHCRA). For individuals receiving mastectomy related benefits, coverage will be provided in a manner determined in consultation with the attending physician and the patient for: •  All stages of reconstruction of the breast on which the mastectomy was performed. •  Surgery and reconstruction of the other breast to produce a symmetrical appearance. •  Prostheses. •  Treatment of physical complications of the mastectomy, including lymphedema. Our medical plans comply with these requirements. Benefits for these items generally are comparable to those provided under our plan for similar types of medical services and supplies. Coverage for these items may be subject to annual deductibles and coinsurance provisions as may be deemed appropriate and are consistent with those established for other benefits under the plan or coverage. Our plan neither imposes penalties (for example, reducing or limiting reimbursement) nor provides incentives to induce providers to provide care inconsistent with these requirements. THE NEWBORNS’ AND MOTHERS’ HEALTH PROTECTION ACT (NMHPA) You have specific rights under the Act which protect you and your newborn(s). These rights include: •  Coverage for a hospital stay of up to 48 hours for a vaginal birth and 96 hours for a cesarean section delivery without previous authorization. • A plan cannot provide incentives to a mother or Provider to encourage a shorter stay. • A plan cannot penalize a mother or Provider to encourage a shorter stay. •  A plan must provide notice of these rights with respect to the hospital lengths of stay in connection with child birth. Our Medical Plans comply with these requirements. Legislative Information