2013 Benefit Enrollment Guide - Troy University

important notices
Important Medical Coverage Notices
Medicaid and the Children’s Health Insurance
Program (CHIP) offer free or low-cost health
coverage to children and families
If you are eligible for health coverage from your employer, but
are unable to afford the premiums, some states have premium
assistance programs that can help pay for coverage. These states
use funds from their Medicaid or CHIP programs to help people
who are eligible for employer-sponsored health coverage, but need
assistance in paying their health premiums. For more information
please visit http://www.cms.gov or call 1-877-267-2323, ext. 61565.
Women’s Health and Cancer Rights Act Notice
Under the Women’s Health and Cancer Rights Act of 1998, a
plan participant or beneficiary who elects breast reconstruction
in connection with a covered mastectomy is also entitled to the
following benefits: 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;
and, Prostheses and treatment of physical complications of
the mastectomy, including lymphedemas. Health plans must
provide coverage of mastectomy-related benefits in a manner
determined in consultation with the attending physician and the
patient. Coverage for breast reconstruction and related services
are subject to deductibles and coinsurance amounts that are
consistent with those that apply to other benefits under the plan.
Newborns’ and Mothers’ Health Protection Act Notice
Group health plans and health insurance issuers generally may
not, under federal law, restrict benefits for any hospital length of
stay in connection with childbirth for the mother or newborn child
to less than 48 hours following a vaginal delivery, or less than 96
hours following a cesarean section. However, federal law generally
does not prohibit the mother's or newborn's attending provider,
after consulting with the mother, from discharging the mother or
her newborn earlier than 48 hours (or 96 hours as applicable). In
any case, plans and issuers may not, under federal law, require
that a provider obtain authorization from the plan or the issuer for
prescribing a length of stay not in excess of 48 hours (or 96 hours).
Important Health Care Reform Notices
Grandfathered Status
Troy University believes this plan is a “grandfathered health
plan” under the Patient Protection and Affordable Care Act (the
Affordable Care Act). As permitted by the Affordable Care Act,
a grandfathered health plan can preserve certain basic health
coverage that was already in effect when that law was enacted.
Being a grandfathered health plan means that your plan may not
include certain consumer protections of the Affordable Care Act
that apply to other plans, for example, the requirement for the
provision of preventive health services without any cost sharing.
However, grandfathered health plans must comply with certain
other consumer protections in the Affordable Care Act, for
example, the elimination of lifetime limits on benefits.
Questions regarding which protections apply and which
protections do not apply to a grandfathered health plan and what
might cause a plan to change from grandfathered health plan
status can be directed to the plan administrator in the Human
Resources Department. You may also contact the Employee
Benefits Security Administration, U.S. Department of Labor at
1-866-444-3272 or www.dol.gov/ebsa/healthreform. This website
has a table summarizing which protections do and do not apply to
grandfathered health plans.
Please call 1-866-688-9727. Troy University 2013 Benefits Enrollment Guide 16