IMPORTANT NOTICES FROM DENCO SALES, OR

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1 IMPORTANT NOTICES FROM DENCO SALES, OR PRESCRIPTION DRUG COVERAGE AND MEDICARE NOTICE - Creditable Coverage Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with Denco Sales (the Company ) through Kaiser Permanente and prescription drug coverage available for people with Medicare. It also explains the options you have under Medicare prescription drug coverage and can help you decide whether or not you want to enroll. At the end of this notice is information about where you can get help to make decisions about your prescription drug coverage. 1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare through Medicare prescription drug plans and Medicare Advantage Plans that offer prescription drug coverage. All Medicare prescription drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium. 2. The Company has determined that the prescription drug coverage offered by Kaiser Permanente is, on average for all plan participants, expected to pay out as much as standard Medicare prescription drug coverage pays and is considered Creditable Coverage for the HMO KP 1000 and HMO KP 500 plans. IF your existing coverage is, on average, at least as good as standard Medicare prescription drug coverage, you can keep this coverage and not pay extra if you later decide to enroll in Medicare prescription drug coverage. Individuals can enroll in a Medicare prescription drug plan when they first become eligible for Medicare and each year from November 15 through December 31. Beneficiaries leaving employer/union coverage may be eligible for a Special Enrollment Period to sign up for a Medicare prescription drug plan. You should compare your current coverage, including which drugs are covered, with the coverage and cost of the plans offering Medicare prescription drug coverage in your area. If you decide to enroll in Medicare prescription drug plan and drop your Kaiser Permanente prescription drug coverage, be aware that you and your dependents may not be able to get this coverage back. You should also know that, if you drop or lose your coverage with the Company and do not enroll in Medicare prescription drug coverage after your current coverage ends, you may pay more (a penalty) to enroll in Medicare prescription drug coverage later. If you go 63 days or longer without prescription drug coverage that is at least as good as Medicare s prescription drug coverage, your monthly premium will go up at least 1% per month for every month that you did not have that coverage. For example, if you go 19 months without coverage, your premium will always be at least 19% higher than what many other people pay. You will have to pay this higher premium as long as you have Medicare prescription drug coverage. In addition, you may have to wait until the following November to enroll. For more information about this notice or your current prescription drug coverage Contact our office for further information. NOTE: You will receive this notice annually and if this coverage through the Company changes. You also may request a copy. For more information about your options under Medicare prescription drug coverage More detailed information about Medicare plans that offer prescription drug coverage is in the Medicare & You handbook. You will get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare prescription drug plans. Use the following contact information for more information about Medicare prescription drug plans: Visit

2 Call your State Health Insurance Assistance Program (see your copy of the Medicare & You handbook for the telephone number) for personalized help. Call MEDICARE ( ). TTY users should call For people with limited income and resources, extra help paying for Medicare prescription drug coverage is available. Information about this extra help is available from the Social Security Administration (SSA) online at or you call the SSA at (TTY ). Remember: Keep this notice. If you enroll in one of the new plans approved by Medicare that offer prescription drug coverage, you may be required to provide a copy of this notice when you join to show that you are not required to pay a higher premium amount. Name of Entity/Sender: Contact: Address: Denco Sales Tina Morton 55 Yuma Street Denver, CO Phone Number: WOMEN S HEALTH AND CANCER RIGHTS ACT NOTICE The Company is required by law to provide you with the following notice: The Women s Health and Cancer Rights Act of 1998 ( WHCRA ) provides certain protections for individuals receiving mastectomy-related benefits. Coverage will be provided in a manner determined in consultation with the attending physician and the patient, for the following: All stages of reconstruction of the breast on which the mastectomy was performed Surgery and reconstruction of the other breast to produce a symmetrical appearance Prostheses Treatment of physical complications of the mastectomy, including lymphedemas The Company s medical plan(s) provide/s coverage for mastectomies and the related procedures list above, 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, please refer to your plan booklet or contact the Company. NEWBORNS AND MOTHERS HEALTH PROTECTION ACT NOTICE This Notice is required by the Newborns and Mothers Health Protection Act of 1996 (NMHPA). Group health plans 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 Physician, after consulting with the mother, from discharging the mother or her newborn earlier than 48 hours (or 96 hours, ass applicable). In any case, the plan may not, under Federal law, require that a Physician obtain authorization from the plan for prescribing a length of stay not in excess of 48 hours (or 96 hours). MHPA/MHPAEA Mental Health Parity and Addiction Equity Act (MHPA/MHPAEA) require that group health plans not unfairly restrict treatment with regards to benefits/services applicable to mental health or substance use disorders. Additional information and details can be found by visiting the Department of Labor s Mental Health Parity

3 MICHELLE S LAW NOTICE NOTICE OF EXTENDED COVERAGE TO PARTICIPANTS COVERED UNDER A GROUP HEALTH PLAN Federal legislation known as Michelle's Law generally extends eligibility for group health benefit plan coverage to a dependent child who is enrolled in an institution of higher education at the beginning of a medically necessary leave of absence if the leave normally would cause the dependent child to lose eligibility for coverage under the plan due to loss of student status. The extension of eligibility protects eligibility of a sick or injured dependent child for up to one year. The Denco Sales Group Health Plan currently permits an employee to continue a child s coverage if that child is enrolled at an accredited institution of learning on a full-time basis, with full-time defined by the accredited institution s registration and/or attendance policies. Michelle's Law requires the plan to allow extended eligibility in some cases for a dependent child who would lose eligibility for Plan coverage due to loss of full-time student status. There are two definitions that are important for purposes of determining whether the Michelle's Law extension of eligibility applies to a particular child: Dependent child means a child of a plan participant who is eligible under the terms of a group health benefit plan based on his or her student status and who was enrolled at a post-secondary educational institution immediately before the first day of a medically necessary leave of absence. Medically necessary leave of absence means a leave of absence or any other change in enrollment: o of a dependent child from a post-secondary educational institution that begins while the child is suffering from a serious illness or injury o which is medically necessary o and which causes the dependent child to lose student status under the terms of the plan For the Michelle s Law extension of eligibility to apply, a dependent child s treating physician must provide written certification of medical necessity (i.e., certification that the dependent child suffers from a serious illness or injury that necessitates the leave of absence or other enrollment change that would otherwise cause loss of eligibility). If a dependent child qualifies for the Michelle's Law extension of eligibility, the plan will treat the dependent child as eligible for coverage until the earlier of: One year after the first day of the leave of absence The date that plan coverage would otherwise terminate (for reasons other than failure to be a full-time student) A dependent child on a medically necessary leave of absence is entitled to receive the same plan benefits as other dependent children covered under the plan. Further, any change to plan coverage that occurs during the Michelle s Law extension of eligibility will apply to the dependent child to the same extent as it applies to other dependent children covered under the plan. HIPAA EMPLOYEE NOTICE PROCEDURES FOR INDIVIDUALS TO REQUEST CERTIFICATES OF CREDITABLE COVERAGE FOR [COMPANY NAME] GROUP HEALTH PLAN A federal law called the Health Insurance Portability and Accountability Act requires that group health plans provide a certificate of creditable coverage (HIPAA Certificate) to each individual who requests one so long as it is requested while the individual is covered under the group health plan or within 24 months after the individual s coverage has ended. The request can also be made by someone else on behalf of an individual. For example, an individual who previously was covered under the group health plan may authorize a new plan in which the individual enrolls to request a certificate of the individual s creditable coverage. An individual is entitled to receive a Certificate upon request even if the group health plan has previously issued a Certificate to that individual. Requests for Certificates should be directed to United Healthcare. Telephone requests are accepted only if the Certificate is to be mailed to the address that the plan has on file for the individual to whom the request relates. Other requests must be made in writing.

4 All requests must include: The name of the individual for whom the Certificate is requested; The last date that the individual was covered under the plan; The name of the participant that enrolled the individual in the plan; and A telephone number to reach the individual for whom the Certificate is requested, in the event of any questions. Requests that are required to be made in writing must include: The name of the person making the request and evidence of that person s authority to request and receive the Certificate on behalf of the individual; The address to which the Certificate should be mailed; and The requestor s signature. After receiving a request that meets these requirements, the plan will act in a reasonable and prompt timeframe to provide the Certificate. Special Enrollment Rights If you are declining enrollment for yourself or your dependents (including your spouse) because of other health insurance or group health plan coverage, you may be able to later enroll yourself and your dependents in this plan if you or your dependents lose eligibility for that other coverage (or if the employer stops contributing towards your or your dependents other coverage). However, you must request enrollment within 30 days after your coverage or your dependents other coverage ends (or after the employer that sponsors that coverage stops contributing toward the coverage). In addition, if you have a new dependent as a result of marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your dependents. However, you must request enrollment within 30 days after the marriage, birth, adoption, or placement for adoptions. To request special enrollment or obtain more information, contact the Company. SUMMARY OF THE STATE CONTINUATION OF COVERAGE LAW What is the Colorado Continuation of Law? The Colorado Continuation of Coverage Law addresses continuation of coverage benefits for employees and dependents that would otherwise lose group health insurance coverage. Employers Affected The Colorado Continuation of Coverage Law affects all Colorado employers offering group health plan coverage. However, employers with twenty (20) or more employees must comply with the Consolidated Budget Reconciliation Act (COBRA) which requires continuation coverage for qualified individuals. Please comply with COBRA rules if you have twenty (20) or more employees. Plan Participants Affected The Colorado Continuation of Coverage Law applies to covered employees and their eligible dependents. Qualifying Events A "Qualifying Event" for continued coverage under the Colorado Continuation of Coverage Law occurs if: An employee's eligibility to receive group health coverage has ended other than discontinuation of the group health policy in its entirety or discontinuance with respect to a specific insured class; or

5 A dependent's eligibility to receive group health coverage has ended due to voluntary/involuntary termination of their employment. In addition, the following requirements must be met: Premiums or contributions required from or on behalf of an employee must have been paid to the termination date; and The employee must have been covered by the employer's group health plan for six (6) months prior to the Qualifying Event. Duration of Coverage The continuation of coverage period under the Colorado Continuation of Coverage Law extends for eighteen (18) months following loss of coverage or until the employee or dependent becomes eligible for other group coverage, whichever occurs first. Election Period The covered employee has thirty (30) days from the date of termination to elect and pay premium for continued coverage under the Colorado Continuation of Coverage Law if the employer properly notifies the employee of the employee's right to continue coverage. If the employer does not properly notify the employee of the employee's right to continue coverage, the employee shall have sixty (60) days from the date of termination to elect and pay premium for continued coverage under the Colorado Continuation of Coverage Law. Cost The premium payable by the covered employee under the Colorado Continuation of Coverage Law equals 100% of the applicable group premium rate, which includes the employee portion, plus any portion that had been payable by the employer. This is only a brief summary of the Colorado Continuation of Coverage Law. You should read applicable statutes and regulations and/or contact legal counsel for complete details. PREMIUM ASSISTANCE UNDER MEDICAID AND THE CHILDREN S HEALTH INSURANCE PROGRAM (CHIP) NOTICE 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 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 If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State Medicaid or CHIP office to find out if premium assistance is available. If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, contact your State Medicaid or CHIP office or dial KIDS NOW or to find out how to apply. If you qualify, ask your state if it has a program that might help you pay the premiums for an employer-sponsored plan. If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your employer must allow you to enroll in your employer plan if you aren t already enrolled. This is called a special enrollment opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance. If you have questions about enrolling in your employer plan, contact the Department of Labor at or call EBSA (3272). If you live in one of the following states, you may be eligible for assistance paying your employer health plan premiums. The following list of states is current as of January 31, Contact your State for more information on eligibility

6 ALABAMA Medicaid Website: Phone: ALASKA Medicaid Website: Phone (Outside of Anchorage): Phone (Anchorage): COLORADO Medicaid Medicaid Website: Medicaid Customer Contact Center: FLORIDA Medicaid Website: Phone: KENTUCKY Medicaid Website: Phone: LOUISIANA Medicaid Website: Phone: MAINE Medicaid Website: Phone: TTY MASSACHUSETTS Medicaid and CHIP Website: Phone: MINNESOTA Medicaid Website: Click on Health Care, then Medical Assistance Phone: MISSOURI Medicaid Website: Phone: MONTANA Medicaid Website: Phone: NEBRASKA Medicaid Website: Phone: NEVADA Medicaid Medicaid Website: Medicaid Phone: SOUTH CAROLINA Medicaid Website: Phone: SOUTH DAKOTA - Medicaid GEORGIA Medicaid Website: - Click on Programs, then Medicaid, then Health Insurance Premium Payment (HIPP) Phone: INDIANA Medicaid Website: Phone: IOWA Medicaid Website: Phone: KANSAS Medicaid Website: Phone: NEW HAMPSHIRE Medicaid Website: Phone: NEW JERSEY Medicaid and CHIP Medicaid Website: dmahs/clients/medicaid/ Medicaid Phone: CHIP Website: CHIP Phone: NEW YORK Medicaid Website: Phone: NORTH CAROLINA Medicaid Website: Phone: NORTH DAKOTA Medicaid Website: Phone: OKLAHOMA Medicaid and CHIP Website: Phone: OREGON Medicaid Website: Phone: PENNSYLVANIA Medicaid Website: Phone: RHODE ISLAND Medicaid Website: Phone: VIRGINIA Medicaid and CHIP Medicaid Website: Medicaid Phone: CHIP Website: CHIP Phone: WASHINGTON Medicaid

7 Website: Phone: TEXAS Medicaid Website: Phone: UTAH Medicaid and CHIP Website: Medicaid: CHIP: Phone: VERMONT Medicaid Website: Phone: Website: index.aspx Phone: ext WEST VIRGINIA Medicaid Website: Phone: , HMS Third Party Liability WISCONSIN Medicaid and CHIP Website: Phone: WYOMING Medicaid Website: Phone: To see if any other states have added a premium assistance program since January 31, 2016, or for more information on special enrollment rights, contact either: U.S. Department of Labor U.S. Department of Health and Human Services Employee Benefits Security Administration Centers for Medicare & Medicaid Services EBSA (3272) , Menu Option 4, Ext OMB Control Number (expires 10/31/2016)

8 New Health Insurance Marketplace Coverage Options and Your Health Coverage Form Approved OMB No (expires ) PART A: General Information When key parts of the health care law take effect in 2014, there will be a new way to buy health insurance: the Health Insurance Marketplace. To assist you as you evaluate options for you and your family, this notice provides some basic information about the new Marketplace and employment based health coverage offered by your employer. What is the Health Insurance Marketplace? The Marketplace is designed to help you find health insurance that meets your needs and fits your budget. The Marketplace offers "one-stop shopping" to find and compare private health insurance options. You may also be eligible for a new kind of tax credit that lowers your monthly premium right away. Open enrollment for health insurance coverage through the Marketplace begins in October 2013 for coverage starting as early as January 1, Can I Save Money on my Health Insurance Premiums in the Marketplace? You may qualify to save money and lower your monthly premium, but only if your employer does not offer coverage, or offers coverage that doesn't meet certain standards. The savings on your premium that you're eligible for depends on your household income. Does Employer Health Coverage Affect Eligibility for Premium Savings through the Marketplace? Yes. If you have an offer of health coverage from your employer that meets certain standards, you will not be eligible for a tax credit through the Marketplace and may wish to enroll in your employer's health plan. However, you may be eligible for a tax credit that lowers your monthly premium, or a reduction in certain cost-sharing if your employer does not offer coverage to you at all or does not offer coverage that meets certain standards. If the cost of a plan from your employer that would cover you (and not any other members of your family) is more than 9.5% of your household income for the year, or if the coverage your employer provides does not meet the "minimum value" standard set by the Affordable Care Act, you may be eligible for a tax credit. 1 Note: If you purchase a health plan through the Marketplace instead of accepting health coverage offered by your employer, then you may lose the employer contribution (if any) to the employer-offered coverage. Also, this employer contribution -as well as your employee contribution to employer-offered coverage- is often excluded from income for Federal and State income tax purposes. Your payments for coverage through the Marketplace are made on an after-tax basis. How Can I Get More Information? For more information about your coverage offered by your employer, please check your summary plan description or contact. The Marketplace can help you evaluate your coverage options, including your eligibility for coverage through the Marketplace and its cost. Please visit HealthCare.gov for more information, including an online application for health insurance coverage and contact information for a Health Insurance Marketplace in your area.

9 1 An employer-sponsored health plan meets the "minimum value standard" if the plan's share of the total allowed benefit costs covered by the plan is no less than 60 percent of such costs.

10 PART B: Information About Health Coverage Offered by Your Employer This section contains information about any health coverage offered by your employer. If you decide to complete an application for coverage in the Marketplace, you will be asked to provide this information. This information is numbered to correspond to the Marketplace application. 3. Employer name : DENCO SALES 4. Employer Identification Number (EIN) Employer address: 55 YUMA STREET 6. Employer phone number: City: DENVER 8. State: CO 9. Zip code: Who can we contact about employee health coverage at this job? TINA MORTON 11. Phone number (if different from above) 12. address: TINAM@DENCOSALES.COM If you decide to shop for coverage in the Marketplace, HealthCare.gov will guide you through the process. Here's the employer information you'll enter when you visit HealthCare.gov to find out if you can get a tax credit to lower your monthly premiums.