Compliance Notices
The Employee Retirement Income Security Act (ERISA), Department of Labor (DOL), Department of Health and Human Services (HHS) and Internal Revenue Service (IRS) require plan administrators to provide certain information related to their health, welfare, and retirement benefit plans to plan participants in writing. The notices located below explain your rights and obligations in relation to the health and welfare plans provided by Fidelity Deposit & Discount Bank.
The Summary of Benefits and Coverage (SBC), summarizes important information about any health coverage option in a standard format, to help you compare across options. Please read these notices carefully and retain a copy for your records.
The Health Insurance Marketplace Coverage Notice summarizes basic information about the Marketplace and employment based health coverage offered by Fidelity Deposit & Discount Bank.
The following are the Health Care Reform Notices included in the Health and Welfare Notice:
* Lifetime Maximum Notice
* FSA/HSA/HRA Over-the-Counter Restrictions
* Information on Rescission’s
* Information on Nondiscrimination 105(h) Rules
The following are the Health Care Reform Notices included in the Health and Welfare Notice:
* Women’s Health and Cancer Rights Act (WHCRA) Enrollment Notice
* The Newborns’ and Mothers’ Health Protection Act (NMHPA) Notice
* Mental Health Parity Act (MHPA)
* Health Information Technology for Economic and Clinical Health Act (HITECH)
* Genetic Information Nondiscrimination Act (GINA)
* HIPAA Special Enrollment Rights Notice
* Uniformed Services Employment and Reemployment Rights Act (USERRA) Notice
* COBRA Notice
Additional Annual Notices
These annual notices are located on their relevant pages
Medical Benefit Summary of Benefits and Coverage (SBC)
Medical Benefit Summary Plan Description (SPD)
Medical Benefit Insurance Wrap Summary Plan Description (SPD)
Medical Benefit Insurance Wrap SPD Attachment A
Flexible Spending Account SPD
Health Reimbursement Account SPD
Paper copies are also available, free of charge, by calling (800)326-9850
