Notices About Your Benefits Coverage and Rights
For more information on these notices, contact the BCU Benefits Team at BCUbenefits@bcu.org.

Legal Disclaimer
This site and any accompanying inserts provide highlights of your BCU benefits for the 2024 plan year. This guide is not your summary plan description, which will be provided in follow-up. If there is any discrepancy between the information on this site and the official plan documents, the official documents will govern. Nothing in this site says or implies that participation in the plans described is a guarantee of continued employment with BCU, nor is it a guarantee that the plans will remain unchanged in the future. BCU reserves the right to suspend, amend or terminate these plans at any time.

BCU does not sponsor, endorse, or have any responsibility for certain voluntary benefits. BCU’s sole involvement with these benefits is to withhold the cost of any benefits that you choose to purchase from your paycheck, on an after-tax basis, and transmit the payments to the applicable provider.

HIPAA Privacy Notice
Under the Health Insurance Portability and Accountability Act of 1996 (HIPAA), the BCU plans are required to provide you with a HIPAA Notice of Privacy Practices (“Notice”) at the time of your enrollment in the plan, and at certain other times. In addition, the plan is required to periodically notify you of the availability of the Notice and provide you with information on how to obtain a copy of the Notice. You may request a copy of the plan’s Notice by contacting the BCU Benefits Team. To the extent that the plan contains benefits other than those covered under HIPAA’s privacy rule, this reminder pertains only to those health care benefits that are covered under HIPAA’s privacy rules.

Women’s Health and Cancer Rights Act of 1998
The Women’s Health and Cancer Rights Act of 1998 requires BCU to advise you annually of the following benefits. Your BCU medical plan provides for mastectomy-related services, including reconstruction and surgery to achieve symmetry between the breasts. It also provides for mastectomy-related prostheses and provides for services to address complications resulting from a mastectomy, including lymphedema. For more information, consult Aetna Member Services (on your ID card).

Notice of Special Enrollment Rights—Children’s Health Insurance Program (“CHIP”)
If you and your eligible dependents are not already enrolled in a BCU medical plan, you may enroll yourself and your eligible dependents if (1) you or your dependents lose coverage under a state Medicaid or CHIP, or (2) you or your dependents become eligible for premium assistance under the state Medicaid or CHIP, as long as you request enrollment no more than 60 days from the date of the Medicaid/CHIP event.

A Few Words About Security
Maintaining the privacy and security of personal information is very important to us. Rest assured, all personal identifiable information is securely managed and meets regulatory requirements.