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Stoudt Advisors
August, 2010 

Seven Health Care Reform Notices

The final regulations detailing the exact disclosure requirements for all regulations are not yet out. In addition to the currently required legal notices, here are seven items that should be on your radar as we enter the open enrollment season.

The most important is the notice of key plan design changes effective 1/1/11 (during this fall's enrollment for most companies). The Department of Labor has issued sample language in 3 areas that take effect for most employers on January 1, 2011:

  • Annual and lifetime limit changes,
  • Revised dependent eligibility for older kids and
  • Primary care physician designation and OB/GYN self referral change.

    Meeting compliance should be easy if companies restate the meaning of the legal text in enrollment campaign materials (print and online) and incorporate legal text in print enrollment notices.

    Other notices to be aware of are:

  • Summary of material changes (2012)
  • Summary of medical coverage (2012)
  • Description of all disease management programs (2012)
  • Automatic medical enrollment and opt-out actions (TBD, likely 2013)
  • Notification of exchanges and "free choice vouchers" (2013)
  • Description of claims processes (TBD)

    Information contained in this FOCUS is accurate as of the date of this publication. We will continue to provide you with updates as they become available.


  • For answers to any questions you may have:

    Feel free to contact...

    Dan Day,
    Scott Labrecque,
    Cindy Patton,
    Kathy Holben,
    Marilyn Gehringer,
    Deb Haldeman,
    Judy Kachel,
    Karen Conley,
    Connie Keares,


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    280 Granite Run Drive, Suite 250 • Lancaster, PA • 17601