Legal Notices
Required Notices And Summaries
This page points you to the annual and ongoing notices for ExamWorks benefits. These include privacy, eligibility, continuation coverage, special protections, and prescription drug disclosures. Keep a copy for your records.
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Medical
Summary of Benefits and Coverage (SBC)
The Summary of Benefits and Coverage (SBC) is a standardized document that provides a clear summary of what your health plan covers and what it costs. Review these documents to understand your coverage details before enrolling.
Important Medical Notices
Information about the Children's Health Insurance Program (CHIP) and how it may provide low-cost health coverage for eligible children.
Important information about prescription drug coverage and Medicare.
Dental
Dental Plan Summary
A detailed summary of your dental plan benefits, coverage levels, and costs.
DFB Benefit Summary Cigna Dental Choice High
DFB Benefit Summary Cigna Dental Choice Low
DFB Benefit Summary Dental High NH Plan
DFB Benefit Summary Dental Low NH
Vision
Summary of benefits and coverage for the Essential Vision Plan.
Summary of benefits and coverage for the Enhanced Vision Plan.
Supplemental Benefits
Accident Insurance
Accident Insurance Outline of Coverage
Detailed information about accident insurance benefits, coverage amounts, and eligible expenses.
Critical Illness Insurance
Critical Illness Insurance Outline of Coverage
Information about critical illness coverage, covered conditions, and benefit amounts.
Hospital Indemnity Insurance
Hospital Indemnity Insurance Outline of Coverage
Details about hospital indemnity benefits, daily benefit amounts, and covered hospital stays.
Other Important Notices & Disclosures
Legal Notices
Important legal notices regarding your benefits, including HIPAA privacy practices, Women's Health and Cancer Rights Act notice, and other required disclosures.
HIPAA Notice of Privacy Practices
Information about how your health information may be used and disclosed, and your rights regarding your health information.
Women's Health and Cancer Rights Act (WHCRA)
Information about coverage for mastectomy-related services and reconstructive surgery.
Newborns' and Mothers' Health Protection Act (NMHPA)
Information about coverage for hospital stays related to childbirth.
Important information about prescription drug coverage and Medicare Part D.
COBRA Continuation Coverage Notice
Information about your rights to continue health coverage under COBRA when you experience certain qualifying events.
Special Enrollment Rights Notice
Information about your right to enroll in coverage outside of Open Enrollment if you experience certain qualifying events.
Premium Assistance Under Medicaid and CHIP
Information about state programs that may help pay for health coverage premiums.
Insurance Marketplace Coverage
Summary Annual Report
Understanding Your Documents
What Is a Summary of Benefits and Coverage (SBC)?
The SBC is a standardized document required by the Affordable Care Act that summarizes key features of your health plan in a clear, easy-to-understand format. It includes:
- Coverage examples showing what the plan would cover in common medical situations
- Important questions and answers about the plan
- Key terms and definitions
- Coverage details for common services
Why Review the SBC?
The SBC helps you understand what your plan covers and compare different plan options side by side.
What Is an Outline of Coverage?
An Outline of Coverage provides detailed information about voluntary insurance products like accident, critical illness, and hospital indemnity insurance. It includes:
- Benefit amounts and coverage levels
- Covered events and conditions
- Exclusions and limitations
- Premium costs
Why Review the Outline of Coverage?
These documents help you understand what voluntary benefits cover and decide if they're right for you.
What Are Legal Notices?
Legal notices are required disclosures under federal law that inform you of your rights and protections. These notices cover topics like:
- Privacy practices and HIPAA protections
- Women's health and cancer rights
- Newborn and maternal care coverage
- COBRA continuation rights
- Medicare coordination
- Special enrollment rights
Why Review Legal Notices?
Understanding your rights helps you make informed decisions and ensures you're aware of important protections under federal law.
Need Help Understanding These Documents?
If you have questions about any of these documents or need help understanding your coverage, we're here to help.
Contact Options:
- Text 90887 for real-time AI answers to benefits questions (available 24/7/365)
- Call the Health Advocate Line at 1-866-799-2731 (available 24/7)
- Email the Benefits Team at benefits@examworks.com
- Contact your local HR Business Partner
Language Assistance:
If you need language assistance or materials in another language, please contact the Benefits Team at benefits@examworks.com.
Need a document in another format?
Contact the Benefits Team at benefits@examworks.com to request documents in alternative formats or languages.
Important Note: The documents provided here are summaries of your benefits. For complete details about coverage, exclusions, and limitations, please refer to your official plan documents or contact the specific vendor for your benefit.
Important Reminders
Review Before Enrolling: Take time to review Summary of Benefits and Coverage documents and plan summaries before making your benefit elections during Open Enrollment.
Keep For Your Records: Save these documents for your records. You may need to reference them throughout the year when using your benefits.
Share With Your Family: If you're covering dependents, share relevant documents with your spouse or family members so everyone understands their coverage.
Check For Updates: These documents are updated annually. Make sure you're reviewing the 2026 versions during this Open Enrollment period
Your Rights
This website highlights some of your benefit plans. Your actual rights and benefits are governed by the official plan documents. If any discrepancy exists between this communication and the official plan documents, the plan documents will prevail. The company reserves the right to change any benefit plan without notice. Benefits are not a guarantee of employment.
Benefits Department
For information about any of the benefits you see, reach out to benefits@examworks.com
