- Summary Plan Descriptions
- Notice of Privacy Practices
- Marketplace Notices
- Notice of Nondiscrimination
- Women's Health and Cancer Rights Act of 1998 Notification
- Newborns' and Mothers' Health Protection Act of 1996
- Premium Assistance Under Medicaid and the Children's Health Insurance Program (CHIP)
- Medicare Modernization Act (MMA)
- Notices of Creditable Coverage
- Victims Economic Safety and Security Act (VESSA)
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.
Read this notice to understand your rights, your choices, and the university's uses and disclosures:
- The University of Missouri Medical and Dental Benefit Plans Notice of Privacy Practices (PDF, 150KB)
- For the university's employees eligible for medical insurance: New Health Insurance Marketplace Coverage Options and Your Health Coverage (PDF, 197KB)
- For the university's employees not eligible for medical insurance: New Health Insurance Marketplace Coverage Options and Your Health Coverage (PDF, 196KB)
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.
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).
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 Healthcare.gov.
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.
- Notice of Creditable Coverage (Non-Medicare Health Plans) - This notice applies to the Healthy Savings Plan, Custom Network Plan, PPO Plan and Retiree Health PPO Plan
- Notice of Creditable Coverage (Medicare Advantage Plans) - This notice applies to the University-sponsored Medicare Advantage Plans (Base or Enhanced) with Prescription Drug Coverage