Employee Benefit Guide Template 2026_Notices

IMPORTANT INFORMATION This guide includes federally required notices for employer-sponsored group health plans. These notices help you understand your rights, responsibilities, and key health coverage protections under federal law.

Notices included: • Medicare Part D Creditable/Non-Creditable Coverage Notice • CHIP / Medicaid Premium Assistance Notice • Health Insurance Marketplace Notice • FMLA General Notice • USERRA Rights and Health Coverage • HIPAA Notice of Privacy Practices • COBRA Continuation Coverage Notice • HIPAA Special Enrollment Rights • Women’s Health and Cancer Rights Act (WHCRA) Notice • Newborns’ and Mothers’ Health Protection Act (NMHPA) Notice • Break Time for Nursing Mothers (FLSA) Notice • Genetic Information Nondiscrimination Act (GINA) Notice • ACA Compliant Plan Notice • Wellness Program Notice (HIPAA & EEOC) (if applicable) • Patient Protection & Provider Choice Notice (if applicable) • ACA – Preventive Services for Non-Grandfathered Plans (if applicable) • Grandfathered Health Plan Status Notice (if applicable) • Excluded Contraceptives Notice (if applicable) • Michelle’s Law Notice (if applicable)

Employee Benefits | 1

IMPORTANT NOTICE ABOUT YOUR PRESCRIPTION DRUG COVERAGE & MEDICARE Please read this notice carefully and keep it where you can find it. This notice contains information about your current prescription drug coverage with [Company] and your options under Medicare’s prescription drug coverage. It can help you decide whether you want to join a [Company] drug plan.

There are two important things you need to know: 1.Medicare prescription drug coverage became available to everyone with Medicare in 2006. You can get this coverage through Medicare Prescription Drug Plans or Medicare Advantage Plans (like HMOs or PPOs) that offer drug coverage. All Medicare drug plans provide at least a standard level of coverage set by Medicare.

2.[Company] has determined the prescription drug coverage listed below is either “Creditable” or “Non-Creditable”— this means: Creditable Coverage – You will not pay a penalty if you join Medicare later: [Company] has determined that the following prescription drug coverage is, on average, at least as good as Medicare Part D: Insert applicable plan name/s here Because this coverage is Creditable, you can keep it and not pay a higher premium (penalty) if you decide to enroll in a Medicare drug plan later.

Non-Creditable Coverage – You may pay a penalty if you join Medicare later: [Company] has determined that the following coverage is not expected to pay out as much as standard Medicare drug coverage: Insert applicable plan name/s here This means you may pay a late enrollment penalty if you do not join a Medicare drug plan when you're first eligible and later go 63 continuous days or longer without creditable coverage.

When Can You Join a Medicare Drug Plan?

You can join a Medicare drug plan when you first become eligible for Medicare and each year from October 15th to December 7th .

If you lose your current creditable prescription drug coverage (through no fault of your own), you’ll be eligible for a two-month Special Enrollment Period to join a Medicare drug plan.

Employee Benefits | 2

IMPORTANT NOTICE ABOUT YOUR PRESCRIPTION DRUG COVERAGE & MEDICARE

What Happens if You Join a Medicare Drug Plan?

If you decide to join a Medicare drug plan, your current coverage: •Will not be affected if you are enrolled in a creditable plan and wish to keep both.

•May not be reinstated if you drop it to join Medicare—please contact HR before making any coverage changes.

Why Might You Pay a Penalty?

If you go 63 continuous days or longer without creditable prescription drug coverage after becoming Medicare-eligible, your monthly Part D premium may increase by at least 1% of the base premium for every month you were without coverage. You may have to pay this higher premium as long as you have Medicare drug coverage.

For More Information: Visit Medicare.gov, call 1-800-MEDICARE (1-800-633-4227), or refer to your copy of the “Medicare & You” handbook.

If you have limited income and resources, you may qualify for “Extra Help” with your Medicare drug costs.

For more information, visit SocialSecurity.gov or call 1-800-772-1213.

Need Help?

Contact [HR contact name] at [HR contact phone number or email address] for questions about your prescription drug coverage.

Remember to keep this notice. If you enroll in a Medicare drug plan, you may be required to provide this notice to show whether you had creditable coverage.

Employee Benefits | 3

IMPORTANT NOTICE ABOUT YOUR PRESCRIPTION DRUG COVERAGE & MEDICARE Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP) If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage from your employer, your state may have a premium assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs. If you or your children aren’t eligible for Medicaid or CHIP, you won’t be eligible for these premium assistance programs but you may be able to buy individual insurance coverage through the Health Insurance Marketplace. For more information, visit www.healthcare.gov.

If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State Medicaid or CHIP office to find out if premium assistance is available.

If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, contact your State Medicaid or CHIP office or dial 1-877-KIDS NOW or www.insurekidsnow.gov to find out how to apply. If you qualify, ask your state if it has a program that might help you pay the premiums for an employer-sponsored plan.

If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your employer must allow you to enroll in your employer plan if you aren’t already enrolled. This is called a “special enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance. If you have questions about enrolling in your employer plan, contact the Department of Labor at www.askebsa.dol.gov or call 1-866-444-EBSA (3272).

If you live in one of the following states, you may be eligible for assistance paying your employer health plan premiums. The following list of states is current as of January 31, 2026. Contact your State for more information on eligibility –

ALABAMA – Medicaid Website: http://myalhipp.com/ Phone: 1-855-692-5447

ARKANSAS – Medicaid Website: http://myarhipp.com/ Phone: 1-855-MyARHIPP (855-692-7447)

COLORADO – Health First Colorado (Colorado’s Medicaid Program) & Child Health Plan Plus (CHP+) Health First Colorado Website: https://www.healthfirstcolorado.com/ Health First Colorado Member Contact Center: 1-800-221-3943/State Relay 711 CHP+: https://hcpf.colorado.gov/child-health-plan-plus CHP+ Customer Service: 1-800-359-1991/State Relay 711 Health Insurance Buy-In Program (HIBI): https://www.mycohibi.com/ HIBI Customer Service: 1-855-692-6442

ALASKA – Medicaid The AK Health Insurance Premium Payment Program Website: http://myakhipp.com/ Phone: 1-866-251-4861 Email: CustomerService@MyAKHIPP.com Medicaid Eligibility: https://health.alaska.gov/dpa/Pages/default.aspx

CALIFORNIA – Medicaid Health Insurance Premium Payment (HIPP) Program Website: http://dhcs.ca.gov/hipp Phone: 916-445-8322 Fax: 916-440-5676 Email: hipp@dhcs.ca.gov

FLORIDA – Medicaid

Website: https://www.flmedicaidtplrecovery.com/flmedicaidtplrecover y.com/hipp/index.html Phone: 1-877-357-3268

GEORGIA – Medicaid

INDIANA – Medicaid

GA HIPP Website: https://medicaid.georgia.gov/health-insurance-premiumpayment-programhipp Phone: 678-564-1162, Press 1 GA CHIPRA Website: https://medicaid.georgia.gov/p rograms/third-partyliability/childrens-health-insurance-program-reauthorization-a ct-2009-chipra Phone: IOWA 678-564-1162, Press 2 and CHIP (Hawki) – Medicaid

Health Insurance Premium Payment Program All other Medicaid Website: https://www.in.gov/medicaid/ http://www.in.gov/fssa/dfr/ Family and Social Services Administration Phone: 1-800-403-0864 Member Services Phone: 1-800-4574584

Medicaid Website: Iowa Medicaid | Health & Human Services Medicaid Phone: 1-800-338-8366 Hawki Website: Hawki - Healthy and Well Kids in Iowa | Health & Human Services Hawki Phone: 1-800-257-8563 HIPP Website: Health Insurance Premium Payment (HIPP) | Health & Human Services (iowa.gov) HIPP Phone: 1-888-346-9562

Website: https://www.kancare.ks.gov/ Phone: 1-800-792-4884 HIPP Phone: 1-800-967-4660

KENTUCKY – Medicaid Kentucky Integrated Health Insurance Premium Payment Program (KI-HIPP) Website: https://chfs.ky.gov/agencies/dms/member/Pages/kihipp.aspx Phone: 1-855-459-6328 Email: KIHIPP.PROGRAM@ky.gov KCHIP Website: https://kynect.ky.gov Phone: 1-877-524-4718 Kentucky Medicaid Website: https://chfs.ky.gov/agencies/dms

MAINE – Medicaid Enrollment Website: https://www.mymaineconnection.gov/benefits/s/?language=en _US Phone: 1-800-442-6003 TTY: Maine relay 711 Private Health Insurance Premium Webpage: https://www.maine.gov/dhhs/ofi/applications-forms Phone: 1-800-977-6740 TTY: Maine relay 711

MINNESOTA – Medicaid Website: https://mn.gov/dhs/health-care-coverage/ Phone: 1-800-657-3672

KANSAS – Medicaid

LOUISIANA – Medicaid Louisiana Medicaid Website: https://www.ldh.la.gov/healthy-louisiana Medicaid Customer Service Line: 1-888-342-6207 Louisiana Medicaid email: healthy@la.gov Louisiana Health Insurance Premium Program (LaHIPP) Website: https://www.ldh.la.gov/lahipp LaHIPP phone: 1-877-697-6703 LaHIPP email: La.HIPP@la.gov LaHIPP fax: 1-888-716-9787 LaHIPP mailing address: 100 Crescent Centre Parkway, Suite 1000 Tucker, GA 30084

MASSACHUSETTS – Medicaid and CHIP Website: https://www.mass.gov/masshealth/pa Phone: 1-800-862-4840 TTY: 711 Email: masspremassistance@accenture.com

MISSOURI – Medicaid Website: http://www.dss.mo.gov/mhd/participants/pages/hipp.htm Phone: 573-751-2005

MONTANA – Medicaid Website: http://dphhs.mt.gov/MontanaHealthcarePrograms/HIPP Phone: 1-800-694-3084 Email: HHSHIPPProgram@mt.gov

NEVADA – Medicaid Medicaid Website: http://dhcfp.nv.gov Medicaid Phone: 1-800-992-0900

NEW JERSEY – Medicaid and CHIP Medicaid Website: http://www.state.nj.us/humanservices/ dmahs/clients/medicaid/ Phone: 1-800-356-1561 CHIP Premium Assistance Phone: 609-631-2392 CHIP Website: http://www.njfamilycare.org/index.html CHIP Phone: 1-800-701-0710 (TTY: 711)

NORTH CAROLINA – Medicaid Website: https://medicaid.ncdhhs.gov/ Phone: 919-855-4100

OKLAHOMA – Medicaid and CHIP Website: http://www.insureoklahoma.org Phone: 1-888-365-3742

PENNSYLVANIA – Medicaid and CHIP Website: https://www.pa.gov/en/services/dhs/apply-formedicaid-health-insurance-premium-payment-program-h ipp.html Phone: 1-800-692-7462 CHIP Website: Children's Health Insurance Program (CHIP) (pa.gov) CHIP Phone: 1-800-986-KIDS (5437)

SOUTH CAROLINA – Medicaid Website: https://www.scdhhs.gov Phone: 1-888-549-0820

NEBRASKA – Medicaid Website: http://www.ACCESSNebraska.ne.gov Phone: 1-855-632-7633 Lincoln: 402-473-7000 Omaha: 402-595-1178

NEW HAMPSHIRE – Medicaid Website: https://www.dhhs.nh.gov/programs-services/medicaid/ health-insurance-premium-program Phone: 603-271-5218 Toll free number for the HIPP program: 1-800-852-3345, ext.

15218 Email: DHHS.ThirdPartyLiabi@dhhs.nh.gov

NEW YORK – Medicaid Website: https://www.health.ny.gov/health_care/medicaid/ Phone: 1-800-541-2831

NORTH DAKOTA – Medicaid Website: https://www.hhs.nd.gov/healthcare Phone: 1-844-854-4825

OREGON – Medicaid and CHIP Website: http://healthcare.oregon.gov/Pages/index.aspx Phone: 1-800-699-9075

RHODE ISLAND – Medicaid and CHIP Website: http://www.eohhs.ri.gov/ Phone: 1-855-697-4347, or 401-462-0311 (Direct RIte Share Line)

SOUTH DAKOTA - Medicaid Website: http://dss.sd.gov Phone: 1-888-828-0059

TEXAS – Medicaid Website: Health Insurance Premium Payment (HIPP) Program | Texas Health and Human Services Phone: 1-800-440-0493

UTAH – Medicaid and CHIP Utah’s Premium Partnership for Health Insurance (UPP) Website: https://medicaid.utah.gov/upp/ Email: upp@utah.gov Phone: 1-888-222-2542 Adult Expansion Website: https://medicaid.utah.gov/expansion/ Utah Medicaid Buyout Program Website: https://medicaid.utah.gov/buyout-program/ CHIP Website: https://chip.utah.gov/

VERMONT– Medicaid

VIRGINIA – Medicaid and CHIP

Website: Health Insurance Premium Payment (HIPP) Program | Department of Vermont Health Access Phone: 1-800-250-8427

Website: https://coverva.dmas.virginia.gov/learn/premium-assistance/ famis-select https://coverva.dmas.virginia.gov/learn/premium-ass istance/health-insurance-premium-payment-hipp-pr ograms Medicaid/CHIP Phone: 1-800-432-5924

WASHINGTON – Medicaid Website: https://www.hca.wa.gov/ Phone: 1-800-562-3022

WEST VIRGINIA – Medicaid and CHIP

Website: https://dhhr.wv.gov/bms/ http://mywvhipp.com/ Medicaid Phone: 304-558-1700 CHIP Toll-free phone: 1-855MyWVHIPP (1-855-699-8447)

WISCONSIN – Medicaid and CHIP

WYOMING – Medicaid

Website: https://www.dhs.wisconsin.gov/badgercareplus/p-10095.htm Phone: 1-800-362-3002

Website: https://health.wyo.gov/healthcarefin/medicaid/programs-andeligibility/ Phone: 1-800-251-1269

To see if any other states have added a premium assistance program since January 31, 2026, or for more information on special enrollment rights, contact either: U.S. Department of Labor Employee Benefits Security Administration www.dol.gov/agencies/ebsa 1-866-444-EBSA (3272)

U.S. Department of Health and Human Services Centers for Medicare & Medicaid Services www.cms.hhs.gov 1-877-267-2323, Menu Option 4, Ext. 61565

Paperwork Reduction Act Statement According to the Paperwork Reduction Act of 1995 (Pub. L. 104-13) (PRA), no persons are required to respond to a collection of information unless such collection displays a valid Office of Management and Budget (OMB) control number. The Department notes that a Federal agency cannot conduct or sponsor a collection of information unless it is approved by OMB under the PRA, and displays a currently valid OMB control number, and the public is not required to respond to a collection of information unless it displays a currently valid OMB control number. See 44 U.S.C. 3507. Also, notwithstanding any other provisions of law, no person shall be subject to penalty for failing to comply with a collection of information if the collection of information does not display a currently valid OMB control number. See 44 U.S.C. 3512.

The public reporting burden for this collection of information is estimated to average approximately seven minutes per respondent.

Interested parties are encouraged to send comments regarding the burden estimate or any other aspect of this collection of information, including suggestions for reducing this burden, to the U.S. Department of Labor, Employee Benefits Security Administration, Office of Policy and Research, Attention: PRA Clearance Officer, 200 Constitution Avenue, N.W., Room N-5718, Washington, DC 20210 or email ebsa.opr@dol.gov and reference the OMB Control Number 1210-0137.

OMB Control Number 1210-0137 (expires 5/31/2029)

HEALTH INSURANCE MARKETPLACE COVERAGE Even if you are offered health coverage through your employment, you may have other coverage options through the Health Insurance Marketplace (“Marketplace”). To assist you as you evaluate options for you and your family, this notice provides some basic information about the Health Insurance Marketplace and health coverage offered through your employment.

HEALTH INSURANCE MARKETPLACE COVERAGE & YOUR HEALTH COVERAGE PART A: General Information 1. What is the Health Insurance Marketplace?

The Marketplace is designed to help you find health insurance that meets your needs and fits your budget. The Marketplace offers "one-stop shopping" to find and compare private health insurance options in your geographic area.

2. Can I Save Money on my Health Insurance Premiums in the Marketplace?

You may qualify to save money and lower your monthly premium and other out-of-pocket costs, but only if your employer does not offer coverage, or offers coverage that is not considered affordable for you and doesn’t meet certain minimum value standards (discussed below). The savings that you're eligible for depends on your household income. You may also be eligible for a tax credit that lowers your costs.

3. Does Employment-Based Health Coverage Affect Eligibility for Premium Savings through the Marketplace?

Yes. If you have an offer of health coverage from your employer that is considered affordable for you and meets certain minimum value standards, you will not be eligible for a tax credit, or advance payment of the tax credit, for your Marketplace coverage and may wish to enroll in your employmentbased health plan. However, you may be eligible for a tax credit, and advance payments of the credit that lowers your monthly premium, or a reduction in certain cost-sharing, if your employer does not offer coverage to you at all or does not offer coverage that is considered affordable for you or meet minimum value standards. If your share of the premium cost of all plans offered to you through your employment is more than 9.02% (for 2025)/9.96% (for 2026) of your annual household income, or if the coverage through your employment does not meet the "minimum value" standard set by the Affordable Care Act, you may be eligible for a tax credit, and advance payment of the credit, if you do not enroll in the employment-based health coverage. For family members of the employee, coverage is considered Note: If you purchase a health plan through the Marketplace instead of accepting health coverage affordable if the employee’s cost of premiums for the lowest-cost plan that would cover all family offered through your employment, then you may lose access to whatever the employer contributes members does not exceed 9.02% (for 2025)/9.96% (for 2026) of the employee’s household income. to the employment-based coverage. Also, this employer contribution-as well as your employee contribution to employment-based coverage- is generally excluded from income for federal and state income tax purposes. Your payments for coverage through the Marketplace are made on an after-tax basis. In addition, note that if the health coverage offered through your employment does not meet the affordability or minimum value standards, but you accept that coverage anyway, you will not be eligible for a tax credit. You should consider all of these factors in determining whether to purchase a health plan through the Marketplace.

Indexed annually; see https://www.irs.gov/pub/irs-drop/rp-22-34.pdf for 2023.

An employer-sponsored or other employment-based health plan meets the "minimum value standard" if the plan's share of the total allowed benefit costs covered by the plan is no less than 60 percent of such costs. For purposes of eligibility for the premium tax credit, to meet the “minimum value standard,” the health plan must also provide substantial coverage of both inpatient hospital services and physician services.

1

2

Employee Benefits | 8

HEALTH INSURANCE MARKETPLACE COVERAGE Even if you are offered health coverage through your employment, you may have other coverage options through the Health Insurance Marketplace (“Marketplace”). To assist you as you evaluate options for you and your family, this notice provides some basic information about the Health Insurance Marketplace and health coverage offered through your employment.

HEALTH INSURANCE MARKETPLACE COVERAGE & YOUR HEALTH COVERAGE PART A: General Information 1. What is the Health Insurance Marketplace?

The Marketplace is designed to help you find health insurance that meets your needs and fits your budget. The Marketplace offers "one-stop shopping" to find and compare private health insurance options in your geographic area.

2. Can I Save Money on my Health Insurance Premiums in the Marketplace?

You may qualify to save money and lower your monthly premium and other out-of-pocket costs, but only if your employer does not offer coverage, or offers coverage that is not considered affordable for you and doesn’t meet certain minimum value standards (discussed below). The savings that you're eligible for depends on your household income. You may also be eligible for a tax credit that lowers your costs.

3. Does Employment-Based Health Coverage Affect Eligibility for Premium Savings through the Marketplace?

Yes. If you have an offer of health coverage from your employer that is considered affordable for you and meets certain minimum value standards, you will not be eligible for a tax credit, or advance payment of the tax credit, for your Marketplace coverage and may wish to enroll in your employmentbased health plan. However, you may be eligible for a tax credit, and advance payments of the credit that lowers your monthly premium, or a reduction in certain cost-sharing, if your employer does not offer coverage to you at all or does not offer coverage that is considered affordable for you or meet minimum value standards. If your share of the premium cost of all plans offered to you through your employment is more than 9.02% (for 2025)/9.96% (for 2026) of your annual household income, or if the coverage through your employment does not meet the "minimum value" standard set by the Affordable Care Act, you may be eligible for a tax credit, and advance payment of the credit, if you do not enroll in If you purchasehealth a health plan through the members Marketplace instead of accepting health coverage theNote: employment-based coverage.

For family of the employee, coverage is considered offered through your employment, then you for may access to whatever the cover employer contributes affordable if the employee’s cost of premiums thelose lowest-cost plan that would all family to the does employment-based coverage.

Also, this (for employer contribution-as well as your income. employee members not exceed 9.02% (for 2025)/9.96% 2026) of the employee’s household contribution to employment-based coverage- is generally excluded from income for federal and state income tax purposes. Your payments for coverage through the Marketplace are made on an after-tax basis. In addition, note that if the health coverage offered through your employment does not meet the affordability or minimum value standards, but you accept that coverage anyway, you will not be eligible for a tax credit. You should consider all of these factors in determining whether to purchase a health plan through the Marketplace.

Indexed annually; see https://www.irs.gov/pub/irs-drop/rp-22-34.pdf for 2023.

An employer-sponsored or other employment-based health plan meets the "minimum value standard" if the plan's share of the total allowed benefit costs covered by the plan is no less than 60 percent of such costs. For purposes of eligibility for the premium tax credit, to meet the “minimum value standard,” the health plan must also provide substantial coverage of both inpatient hospital services and physician services.

1

2

Employee Benefits | 9

HEALTH INSURANCE MARKETPLACE COVERAGE When Can I Enroll in Health Insurance Coverage through the Marketplace?

You can enroll in a Marketplace health insurance plan during the annual Marketplace Open Enrollment Period. Open Enrollment varies by state but generally starts November 1 and continues through at least December 15.

Outside the annual Open Enrollment Period, you can sign up for health insurance if you qualify for a Special Enrollment Period. In general, you qualify for a Special Enrollment Period if you’ve had certain qualifying life events, such as getting married, having a baby, adopting a child, or losing eligibility for other health coverage. Depending on your Special Enrollment Period type, you may have 60 days before or 60 days following the qualifying life event to enroll in a Marketplace plan.

There is also a Marketplace Special Enrollment Period for individuals and their families who lose eligibility for Medicaid or Children’s Health Insurance Program (CHIP) coverage on or after March 31, 2023, through July 31, 2024. Since the onset of the nationwide COVID-19 public health emergency, state Medicaid and CHIP agencies generally have not terminated the enrollment of any Medicaid or CHIP beneficiary who was enrolled on or after March 18, 2020, through March 31, 2023. As state Medicaid and CHIP agencies resume regular eligibility and enrollment practices, many individuals may no longer be eligible for Medicaid or CHIP coverage starting as early as March 31, 2023. The U.S. Department of Health and Human Services is offering a temporary Marketplace Special Enrollment period to allow these individuals to enroll in Marketplace coverage.

Marketplace-eligible individuals who live in states served by HealthCare.gov and either- submit a new application or update an existing application on HealthCare.gov between March 31, 2023 and July 31, 2024, and attest to a termination date of Medicaid or CHIP coverage within the same time period, are eligible for a 60-day Special Enrollment Period. That means that if you lose Medicaid or CHIP coverage between March 31, 2023, and July 31, 2024, you may be able to enroll in Marketplace coverage within 60 days of when you lost Medicaid or CHIP coverage. In addition, if you or your family members are enrolled in Medicaid or CHIP coverage, it is important to make sure that your contact information is up to date to make sure you get any information about changes to your eligibility. To learn more, visit HealthCare.gov or call the Marketplace Call Center at 1-800-318-2596. TTY users can call 1-855-8894325.

What about Alternatives to Marketplace Health Insurance Coverage?

If you or your family are eligible for coverage in an employment-based health plan (such as an employersponsored health plan), you or your family may also be eligible for a Special Enrollment Period to enroll in that health plan in certain circumstances, including if you or your dependents were enrolled in Medicaid or CHIP coverage and lost that coverage. Generally, you have 60 days after the loss of Medicaid or CHIP coverage to enroll in an employment-based health plan, but if you and your family lost eligibility for Medicaid or CHIP coverage between March 31, 2023 and July 10, 2023, you can request this special enrollment in the employment-based health plan through September 8, 2023. Confirm the deadline with your employer or your employment-based health plan.

Alternatively, you can enroll in Medicaid or CHIP coverage at any time by filling out an application through the Marketplace or applying directly through your state Medicaid agency. Visit https:// www.healthcare.gov/medicaid-chip/getting-medicaid-chip/ for more details.

How Can I Get More Information?

For more information about your coverage offered through your employment, please check your health plan’s summary plan description or contact Michelle Cotter.

The Marketplace can help you evaluate your coverage options, including your eligibility for coverage through the Marketplace and its cost. Please visit HealthCare.gov for more information, including an online application for health insurance coverage and contact information for a Health Insurance Marketplace in your area.

Employee Benefits |10

FMLA General Notice The Family and Medical Leave Act (FMLA) entitles eligible employees to up to 12 weeks of unpaid, job-protected leave in a 12-month period for certain family and medical reasons, and up to 26 weeks for military caregiver leave. During FMLA leave, your group health benefits will be maintained.

Eligibility: • 12 months of employment • 1,250 hours worked in the past year • Worksite with 50+ employees within 75 miles For more information, visit www.dol.gov/whd/fmla.

USERRA Rights and Health Coverage Under the Uniformed Services Employment and Reemployment Rights Act (USERRA), employees who leave for military service may continue their group health coverage for up to 24 months.

Coverage may end earlier if premium payments are not made, reemployment rights are not exercised within required timeframes, or discharge from service is dishonorable.

In addition to COBRA-like continuation rights, USERRA guarantees reemployment rights following qualified military service. Returning service members must be restored to the position they would have attained had they not been absent for service, with the same seniority, benefits, and pay. Employers are prohibited from discriminating based on uniformed service.

HIPAA Notice of Privacy Practices This notice describes how medical information about you may be used and disclosed and how you can get access to this information.

The Health Insurance Portability and Accountability Act of 1996 (HIPAA), along with the HITECH Act, protects the privacy of your personal health information (PHI). We are required by law to maintain the confidentiality of your PHI and to provide you with a Notice of Privacy Practices. This notice explains how we may use and disclose your PHI to carry out treatment, payment, or healthcare operations, and for other permitted purposes. You have the right to: • Inspect and obtain a copy of your PHI • Request amendments to your PHI • Receive an accounting of certain disclosures Request restrictions on certain uses or disclosures • Receive communications through alternative means or at alternative locations File a complaint without retaliation To obtain the full Notice of Privacy Practices or for questions about our privacy practices, contact HR.

Employee Benefits |11

SUD (Substance Use Disorder) Treatment Information If we get information about you from a substance use disorder treatment program that is covered by federal law (42 CFR Part 2), we must protect it.

If the treatment program sends us your information because you gave them general permission to use it for treatment, payment, or health care operations, then we may also use it for those same reasons.

SUD treatment records received from programs subject to 42 CFR part 2, or testimony relaying the content of such records, shall not be used or disclosed in civil, criminal, administrative, or legislative proceedings against the individual unless based on written consent, or a court order after notice and an opportunity to be heard is provided to the individual or the holder of the record, as provided in 42 CFR part 2.

A court order authorizing use or disclosure must be accompanied by a subpoena or other legal requirement compelling disclosure before the requested record is used or disclosed.

COBRA Continuation Coverage If you (or your dependents) lose group health coverage due to a qualifying event (such as termination of employment or reduction in hours), you and your family may elect COBRA continuation coverage. You have 60 days from the date you receive your COBRA election notice to elect coverage. Coverage generally continues for up to 18 months, or up to 36 months depending on the qualifying event. You will be required to pay up to 102% of the cost of the coverage. Your employer is required to provide a COBRA General Notice within 90 days of your enrollment in the plan and an Election Notice at the time of a qualifying event. Contact HR for additional information about your COBRA rights.

Employee Benefits |12

Special Enrollment Events You and your eligible dependents may enroll in your employer’s health plan outside of the annual open enrollment period if you experience a qualifying life event, such as: • Marriage, birth, adoption, or placement for adoption (must enroll within 31 days of the event) •

Loss of other group health coverage (must enroll within 31 days of losing coverage)

•

Loss of Medicaid or CHIP eligibility or gaining eligibility for premium assistance (must enroll within 60 days of the event)

You do not have to elect COBRA continuation coverage to preserve special enrollment rights. Please contact HR promptly if you experience a qualifying life event.

Women’s Health and Cancer Rights Act (WHCRA) If you have had or are planning to have a mastectomy, you may be entitled to benefits under WHCRA. These benefits include: • 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 and treatment of physical complications, including lymphedema

These benefits are provided subject to the plan’s standard cost-sharing provisions. The plan must provide this notice annually.

Newborns’ and Mothers’ Health Protection Act (NMHPA) Under federal law, group health plans may not restrict benefits for hospital stays related to childbirth to less than 48 hours for a vaginal delivery or 96 hours for a cesarean section.

Plans may not require prior authorization for these stays. However, the attending provider, after consulting with the mother, may discharge the mother or newborn earlier.

Break Time for Nursing Mothers (FLSA) Under the Fair Labor Standards Act (FLSA), employees who are nursing mothers have the right to: • Reasonable break time to express breast milk for up to one year after the child’s birth •

A private space (not a bathroom) that is shielded from view and free from intrusion If you need space or schedule adjustments for this purpose, please contact HR so accommodations can be arranged.

Genetic Information Nondiscrimination Act (GINA) GINA prohibits group health plans and employers from using genetic information—including family medical history—to determine eligibility, premiums, or contribution amounts.

Employers and plans are also prohibited from requesting, requiring, or purchasing genetic information for underwriting purposes or prior to enrollment. Genetic information may only be collected in very limited situations (e.g., for determining a claim), and only the minimum necessary may be used.

Contact HR if you have questions about your rights under GINA.

Employee Benefits |13

ACA Compliant Plan Notice [Include and modify based on group specifics] Your employer’s health plans meet the minimum value and affordability standards as set by the ACA. This means the coverage qualifies as minimum essential coverage and meets the standards required to avoid penalties under the ACA individual mandate. Because of this, if you are eligible for this plan, you may not qualify for a premium subsidy on the Marketplace.

Wellness Program Notice (HIPAA & EEOC) [Include if applicable] [Name of wellness program] is a voluntary wellness program available to all employees. The program is administered according to federal rules permitting employer-sponsored wellness programs that seek to improve employee health or prevent disease, including the Americans with Disabilities Act of 1990, the Genetic Information Nondiscrimination Act of 2008, and the Health Insurance Portability and Accountability Act, as applicable, among others. If you choose to participate in the wellness program you will be asked to complete a voluntary health risk assessment or "HRA" that asks a series of questions about your healthrelated activities and behaviors and whether you have or had certain medical conditions (e.g., cancer, diabetes, or heart disease). You will also be asked to complete a biometric screening, which will include a blood test for [be specific about the conditions for which blood will be tested.] You are not required to complete the HRA or to participate in the blood test or other medical examinations.

However, employees who choose to participate in the wellness program will receive an incentive of [indicate the incentive] for [specify criteria]. Although you are not required to complete the HRA or participate in the biometric screening, only employees who do so will receive [the incentive].

Additional incentives of up to [indicate the additional incentives] may be available for employees who participate in certain health-related activities [specify activities, if any] or achieve certain health outcomes [specify particular health outcomes to be achieved, if any]. If you are unable to participate in any of the health-related activities or achieve any of the health outcomes required to earn an incentive, you may be entitled to a reasonable accommodation or an alternative standard. You may request a reasonable accommodation or an alternative standard by contacting [name] at [contact information].

The information from your HRA and the results from your biometric screening will be used to provide you with information to help you understand your current health and potential risks, and may also be used to offer you services through the wellness program, such as [indicate services that may be offered]. You also are encouraged to share your results or concerns with your own doctor.

Employee Benefits |14

Protections from Disclosure of Medical Information We are required by law to maintain the privacy and security of your personally identifiable health information. Although the wellness program and [name of employer] may use aggregate information it collects to design a program based on identified health risks in the workplace, [name of wellness program] will never disclose any of your personal information either publicly or to the employer, except as necessary to respond to a request from you for a reasonable accommodation needed to participate in the wellness program, or as expressly permitted by law. Medical information that personally identifies you that is provided in connection with the wellness program will not be provided to your supervisors or managers and may never be used to make decisions regarding your employment.

Your health information will not be sold, exchanged, transferred, or otherwise disclosed except to the extent permitted by law to carry out specific activities related to the wellness program, and you will not be asked or required to waive the confidentiality of your health information as a condition of participating in the wellness program or receiving an incentive. Anyone who receives your information for purposes of providing you services as part of the wellness program will abide by the same confidentiality requirements. The only individual(s) who will receive your personally identifiable health information is (are) [indicate who will receive information such as "a registered nurse," "a doctor," or "a health coach"] in order to provide you with services under the wellness program.

In addition, all medical information obtained through the wellness program will be maintained separate from your personnel records, information stored electronically will be encrypted, and no information you provide as part of the wellness program will be used in making any employment decision. [Specify any other or additional confidentiality protections if applicable.] Appropriate precautions will be taken to avoid any data breach, and in the event a data breach occurs involving information you provide in connection with the wellness program, we will notify you immediately.

You may not be discriminated against in employment because of the medical information you provide as part of participating in the wellness program, nor may you be subjected to retaliation if you choose not to participate.

If you have questions or concerns regarding this notice, or about protections against discrimination and retaliation, please contact [insert name of appropriate contact] at [contact information].

Patient Protection & Provider Choice Notice (Include only if applicable) For plans and issuers that require or allow for the designation of primary care providers by participants or beneficiaries, insert: [Name of group health plan or health insurance issuer] generally [requires/allows] the designation of a primary care provider. You have the right to designate any primary care provider who participates in our network and who is available to accept you or your family members. [If the plan or health insurance coverage designates a primary care provider automatically, insert: Until you make this designation, [name of group health plan or health insurance issuer] designates one for you.] For information on how to select a primary care provider, and for a list of the participating primary care providers, contact the [plan administrator or issuer] at [insert contact information].

For plans and issuers that require or allow for the designation of a primary care provider for a child, add: For children, you may designate a pediatrician as the primary care provider.

For plans and issuers that provide coverage for obstetric or gynecological care and require the designation by a participant or beneficiary of a primary care provider, add: You do not need prior authorization from [name of group health plan or issuer] or from any other person (including a primary care provider) in order to obtain access to obstetrical or gynecological care from a health care professional in our network who specializes in obstetrics or gynecology. The health care professional, however, may be required to comply with certain procedures, including obtaining prior authorization for certain services, following a pre-approved treatment plan, or procedures for making Employee Benefits |15 referrals. For a list of participating health care professionals who specialize in obstetrics or gynecology,

Affordable Care Act (ACA) – Preventive Services for Non-Grandfathered Plans (only if applicable) Our health plans are non-grandfathered under the ACA. This means they cover certain preventive services at no cost to you, when delivered by an in-network provider. You will not pay a deductible, copay, or coinsurance for these services.

Examples include: Routine immunizations (for children and adults) Screenings (such as cholesterol, blood pressure, diabetes, cancer, depression) Well-woman visits, prenatal screenings, and breastfeeding support FDA-approved contraceptives and counseling Grandfathered Health Plan Status Notice (Include only if applicable – this is very uncommong) This [group health plan or health insurance issuer] believes this [plan or coverage] 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 or policy] 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 at [insert contact information]. [For ERISA plans, insert: 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.] [For individual market policies and nonfederal governmental plans, insert: You may also contact the U.S. Department of Health and Human Services at www.healthreform.gov.]

Excluded Contraceptives Notice (Include only if applicable) Our plan excludes some contraceptive coverage for moral or religious reasons. You may have other options available through your insurer or state programs.

Michelle’s Law Notice [Include only if applicable – this is very uncommon] If your dependent child’s coverage depends on student status, coverage will continue for up to one year during a medically necessary leave of absence from school.

Employee Benefits |16

FEDERAL NOTICES RESOURCE GUIDE Below are official resources where you can find more information about the laws and protections described in this document.

1. Medicare Part D Creditable Coverage Notice https://www.medicare.gov/drug-coverage-part-d 2. CHIP / Medicaid Premium Assistance Notice https://www.insurekidsnow.gov/ 3. Health Insurance Marketplace Notice https://www.healthcare.gov/ 4. FMLA General Notice https://www.dol.gov/agencies/whd/fmla 5. USERRA Rights and Health Coverage https://www.dol.gov/agencies/vets/programs/userra 6. HIPAA Notice of Privacy Practices https://www.hhs.gov/hipaa/for-individuals/index.html 7. COBRA Continuation Coverage Notice https://www.dol.gov/general/topic/health-plans/cobra 8. HIPAA Special Enrollment Rights https://www.healthcare.gov/coverage-outside-open-enrollment/special-enrollment-period/ 9.Women’s Health and Cancer Rights Act (WHCRA) https:// www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/publications/your-rights-aftera-mastectomy 10. Newborns’ and Mothers’ Health Protection Act (NMHPA) https://www.cms.gov/CCIIO/Programs-and-Initiatives/Other-Insurance-Protections/nmhpa 11. Break Time for Nursing Mothers (FLSA) https://www.dol.gov/agencies/whd/nursing-mothers 12. Genetic Information Nondiscrimination Act (GINA) https://www.eeoc.gov/statutes/genetic-information-nondiscrimination-act-2008 13. ACA Compliant Plan Notice https://www.cms.gov/CCIIO/Programs-and-Initiatives/Health-Insurance-Market-Reforms 14. ACA – Preventive Services for Non-Grandfathered Plans https://www.healthcare.gov/coverage/preventive-services/

Employee Benefits |17