Page 4 - KEMBA CHARLESTON FCU

KEMBA CHARLESTON FCU 2017-18

Newborns’ & Mothers’ Health Protection

Group health plans 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 forty-eight (48) hours following a vaginal delivery,
or less than ninety-six (96) hours following a cesarean section. Federal law 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), if the patient consents.

Women’s Health & Cancer Rights Act (WHCRA)

Did you know that our medical plan, as required by the Women’s Health and
Cancer Rights Act of 1998 provides benefits for mastectomy-related services?
Coverage will be provided, as determined in consultation with your physician, for
the following procedures:

• Reconstructive surgery for the affected breast

• Surgery on the other breast to achieve symmetry

• Prostheses

• Treatment for complications from the mastectomy, including lymphedema

Benefits for these services and supplies are subject to the same deductible and coinsurance limitations as
for other services, supplies, and procedures that apply under the Kemba Charleston FCU Highmark West
Virginia PPO plan. For more information, please Highmark WV at 800.294.9568.

Protecting Your Privacy

The Health Insurance Portability and Accountability Act of 1996 (HIPAA) requires employer health plans
to maintain the privacy of your health information. HIPAA also requires employers to provide employees
with a notice of the health plan’s legal duties and privacy practices with respect to your health information.
Please let Human Resources know if you would like a copy of our company’s Notice of Privacy Practices.

Qualified Medical Child Support Order

These plans will provide benefits as required by any qualified medical child support order (QMCSO),
as defined in ERISA § 609(a). The Plan has detailed procedures for determining whether an order
qualifies as a QMCSO. Participants and beneficiaries can obtain, without charge, a copy of such
procedures from the Plan Administrator.

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