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Required annual notices

Summary Plan Descriptions

Each year, the university provides Summary Plan Description (SPD) documents to explain benefit and retirement plans. Some documents may not be updated in a given year if no changes were made during that year, but the latest SPD is always made available. Visit the Summary Plan Descriptions webpage to access the documents.

Notice of Privacy Practices

Read this notice to understand your rights, your choices, and the university's uses and disclosures:

Notice of Nondiscrimination

Women's Health and Cancer Rights Act of 1998 Notification

 In 1998, the U.S. Congress passed the Women’s Health and Cancer Rights Act of 1998 that provides coverage for reconstructive surgery and related services following a mastectomy in conjunction with a diagnosis of breast cancer.

This act affects group and individual plans that provide medical/surgical coverage for a mastectomy.Your benefit plan’s current guidelines already closely mirror this federal mandate.  What this means for you is:

  • Coverage will be provided for the reconstructive surgery of the breast on which a mastectomy has been performed.
  • Coverage will be provided for surgery and reconstruction of the other breast to produce a symmetrical appearance.
  • Coverage will be provided for prostheses and physical complications through all stages of a mastectomy, including swelling associated with the removal of lymph nodes.
  • This coverage will be determined in consultation with the attending physician and patient.

Newborns’ and Mothers’ Health Protection Act of 1996

Group 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’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 if applicable).  In any case, plans and issuers may not, under Federal law, require that a provider obtain authorization from the plan or issuer for prescribing a length of stay not in excess of 48 hours (or 96 hours).

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 you 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

Medicare Modernization Act (MMA)

The Medicare Modernization Act requires entities (whose policy includes prescription drug coverage) to notify Medicare eligible policyholders whether their prescription drug coverage is creditable coverage, which means that the coverage is expected to pay on average as the standard Medicare prescription drug coverage.

Notices of Creditable Coverage

Victims Economic Safety and Security Act (VESSA)

MO Department of Labor posters: English (PDF, 68KB)  |  Español (PDF, 122KB)

Reviewed 2023-06-05


Notice of Nondiscrimination

If you speak another language, assistance services, free of charge, are available to you. Call UnitedHealthcare at 1-844-634-1237 for translation assistance.

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