The WHCRA notice is distributed at initial enrollment, and then annually, prior to each plan year, to participants (and to beneficiaries whose last-known address is different from the last-known address of the participant). A model notice and other information can be found at: https://www.dol.gov/sites/default/files/ebsa/about-ebsa/our-activities/resource-center/publications/compliance-assistance-guide.pdf Note that a separate, more detailed notice must be distributed after […]

The CHIP notice must be provided before the first day of the plan year. The CHIP notice must be separate, but may be provided with other open enrollment materials or the SPD. Separate mailing is not required. Electronic distribution is permitted if meeting the DOL safe harbor requirements. A model notice (called “Model Notice for […]

The Gag Clause Prohibition Compliance Attestation must be submitted annually to the Departments of Labor, Health & Human Services, and the Treasury by December 31 of each year. More information at: https://www.cms.gov/marketplace/about/oversight/other-insurance-protections/gag-clause-prohibition-compliance-attestation#:~:text=A%20Gag%20Clause%20Prohibition%20Compliance,of%20the%20plan%20or%20coverage

Only applies to self-funded governmental (state and local) health plans. Opt-out available for Mental Health Parity Act, Newborns and Mothers Health Protection Act, Women's Health and Cancer Rights Act, and Michelle's Law. The plan must provide notice of the opt-out to participants at the time of enrollment and on an annual basis, prior to the […]