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www.aptia365.com/atlanticunionbank 26 Copyright 2024 Aptia Insurance Services Group, LLC. All rights reserved.WOMEN%u2019S HEALTH AND CANCER RIGHTS ACT (WHCRA) NOTICEIf you have had or are going to have a mastectomy, you may be entitled to certain benefits under the Women%u2019s 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:%u2022 All stages of reconstruction of the breast on which the mastectomy was performed;%u2022 Surgery and reconstruction of the other breast to produce a symmetrical appearance;%u2022 Prostheses; and%u2022 Treatment of physical complications of the mastectomy, including lymphedema.These benefits will be provided subject to the same deductibles and coinsurance applicable to other medical and surgical benefits provided under this plan. If you would like more information on WHCRA benefits, call your medical carrier at the phone number listed on the back of your ID card.NEWBORNS%u2019 AND MOTHERS%u2019 HEALTH PROTECTION ACT NOTICEGroup 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%u2019s or newborn%u2019s 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 insurance issuer for prescribing a length of stay not in excess of 48 hours (or 96 hours). If you would like more information on maternity benefits, call your medical carrier at the phone number listed on the back of your ID card.MICHELLE%u2019S LAW NOTICEExtended Dependent Medical Coverage During Student Medical LeavesThe Atlantic Union Bank plan may extend medical coverage for dependent children if they lose eligibility for coverage because of a medically necessary leave of absence from a post-secondary educational institution (including a college or university). Coverage may continue for up to a year, unless the child%u2019s eligibility would end earlier for another reason.Extended coverage is available if a child%u2019s leave of absence from school %u2014 or change in school enrollment status (for example, switching from full-time to part-time status) %u2014 starts while the child has a serious illness or injury, is medically necessary, and otherwise causes eligibility for student coverage under the plan to end. Written certification from the child%u2019s physician stating that the child suffers from a serious illness or injury and the leave of absence is medically necessary may be required.If the coverage provided by the plan is changed during this one-year period, the plan will provide the changed coverage for the remainder of the leave of absence.If your child will lose eligibility for coverage because of a medically necessary leave of absence from school and you want his or her coverage to be extended, call Aptia365 at 855-200-3075 as soon as the need for the leave is recognized by Atlantic Union Bank. In addition, contact your child%u2019s health plan to see if any state laws requiring extended coverage may apply to his or her benefits.