UFCW LOCAL 1776 and PARTICIPATING EMPLOYERS
                                  HEALTH and WELFARE FUND
 

Other Federal Law Requirements

Mastectomies And Reconstructive Surgery

Under federal law, group health plans that provide medical and surgical benefits in connection with a mastectomy must provide benefits for certain reconstructive surgery effective January 1, 1999. In accordance with federal law, the Plan pays for mastectomy-related services including reconstruction of the breast on which the mastectomy was performed, surgery and reconstruction of the other breast to produce a symmetrical appearance, and prostheses and treatment of physical complications at all stages of mastectomy, including lymphedemas. This coverage will be provided in a manner determined in consultation with the attending physician and the patient, subject to the general provisions of the applicable medical coverage relating to benefits, pre-certification and other applicable limitations, including annual deductibles, co-payments and coinsurance provisions. If you have any questions about mastectomies and reconstructive surgery under your medical coverage, please contact the Fund office.

Benefits For Mothers And Newborns

Under your medical coverage, and as required by law, the Plan generally may not 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, these requirements generally do not prohibit the mother's or newborn's attending provider, after consulting with the mother, from discharging the mother or her newborn earlier than 48 hours (or 96 hours as applicable). In any case, the Plan may not require that a provider obtain authorization from the Plan for prescribing a length of stay not in excess of 48 hours (or 96 hours).