HEALTH PLAN NOTICES FOR BENEFITS ELIGIBLE EMPLOYEES SPECIAL RULE FOR MATERNITY AND INFANT COVERAGE Group health plans and health insurance issuers generally may not, under Federal law, restrict benefits for any hospital leng th 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 se cti on. However, Federal law generally does not prohibit the attending provider or physician, after consulting with the mother, from discharging the mother or her newbor n e arlier than 48 hours (or 96 hours, as applicable). SPECIAL RULE FOR WOMEN’S HEALTH COVERAGE (WHCRA) If you have had or are going to have a mastectomy, you may be entitled to certain benefits under the Women's Health and Cance r R ights Act of 1998 (WHCRA). For individuals receiving mastectomy - related benefits, coverage will be provided in a manner determined in consultation with the att ending physician and the patient, for: all stages of reconstruction of the breast on which the mastectomy was performed; surgery and reconstruction of the othe r b reast to produce a symmetrical appearance; prostheses; and treatment of physical complications of the mastectomy, including lymphedema. These benefits will be provided subject to the same deductibles and co - insurance applicable to other medical and surgical benefits provided under the BB&N Health Plan. If you would like more information on WHCRA benefits, please call your Plan Administrator. NOTICE REGARDING LIFETIME AND ANNUAL DOLLAR LIMITS In accordance with applicable law, any lifetime dollar limits and annual dollar limits set forth in the Plan shall not apply to “essential health benefits,” as such term is defined under Section 1302(b) of the Affordable Care Act. The law defines “essential health benefits” to include, at minimum, it ems and services covered within certain categories including emergency services, hospitalization, prescription drugs, rehabilitative and habilitative service s a nd devices, and laboratory services. A determination as to whether a benefit constitutes an “essential health benefit” will be based on a good faith interpretation by the Plan Administrator of the guidance available as of the date on which the determination is made. PATIENT PROTECTION DISCLOSURE You have the right to designate any participating primary care provider who is available to accept you or your family members (f or children, you may designate a pediatrician as the primary care provider). For information on how to select a primary care provider and for a list of partic ipa ting primary care providers, contact the Plan Administrator. You do not need prior authorization from the Plan or from any other person, including your primary care p rov ider, in order to obtain access to obstetrical or gynecological care from a health care professional; however, you may be required to comply with certain proced ure s, including obtaining prior authorization for certain services, following a pre - approved treatment plan, or procedures for making referrals. For a list of p articipating health care professionals who specialize in obstetrics or gynecology, contact the health plan.