Your Rights Under Federal Law
The following legal notices inform you of your rights under Federal law. See below for a summary of the notices and click a notice to learn more.
| Bargaining Unit Employees’ Pension Plan Annual Funding Notice | This annual notice is for Bargaining Unit pension plan participants/beneficiaries, and it summarizes the plan’s funding percentage, the value of the plan’s assets and liabilities, etc. |
| COBRA | The Consolidated Omnibus Budget Reconciliation Act (COBRA), amending the Employee Retirement Income Security Act (ERISA), the Internal Revenue Code and the Public Health Service Act to provide continuation of group health coverage that otherwise might be terminated due to change of employment status or family status. |
| Children’s Health Insurance Program (CHIP) and Medicaid Notice of Premium Assistance Opportunities. | Information about CHIP and Medicaid programs in certain states that may provide premium assistance for employer-sponsored health coverage. |
| Health Insurance Marketplace Coverage Options | The notice provides resources and basic information about health coverage options under the State health care exchange. |
| HIPAA Notice of Privacy Practices | This notice describes how medical information about you may be used and disclosed and how you can get access to this information. |
| HIPAA Special Enrollment Notice | This notice provides information regarding special enrollment periods for you to enroll in the university’s health coverage, including the right to enroll within 30 days of loss of other coverage or certain events. |
| Patient Protection Disclosure | This notice provides a necessary disclosure regarding primary care providers and pediatricians as Primary Care Provider for a child under the HMO plans. |
| Prescription Drug Coverage and Medicare Notice | An important notice about your prescription drug coverage and Medicare. If you and your family members are not eligible for Medicare and will not become eligible for Medicare within the next 12 months, this notice does not apply to you. |
| Qualified Default Investment Alternative (QDIA) Notice | If you become eligible to participate, or are currently participating, in one of the university’s 403(b) retirement plans, the QDIA Notice is important because it describes how your 403(b) retirement account is invested if you fail to direct the investment of all (or any portion) of your retirement plan account. |
| Support Staff Pension Annual Funding Notice | This annual notice is for pension plan participants/beneficiaries, and it summarizes the plan’s funding percentage, the value of the plan’s assets and liabilities, etc. |
| Surprise Billing Notice | You are protected from surprise billing or balance billing after you receive emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center.
Maryland-specific balance billing protections If you use ground ambulance services operated by a local government provider who accepts an assignment of benefits from a plan governed by Maryland law, the provider may not balance bill you. |
| Transparency in Coverage Final Rules | The Transparency in Coverage Rules require certain group health plans to disclose on a public website information regarding in-network provider rates and historical out-of-network allowed amounts and billed charges for covered items and services in two separate machine-readable files (MRFs). The MRFs for the benefit package options under the Johns Hopkins University Welfare Plan are linked here: |
| Women’s Health and Cancer Rights Act (WHCRA) Notice | The right to receive coverage for breast reconstruction and related services. |
| Newborns’ and Mothers’ Health Protection Act | 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. |