Employees Eligible for Group Health Benefits under the Spear PT Group Health Plans
TO:
DATE:
January 1, 2026
SUBJECT:
Required Annual Notices for Group Health Plans
***Important Information – Action May Be Required***
To make sure that you have all the information you need to make informed decisions for you and your family, the law requires Spear PT to provide you with notice of certain legal rights that you may have and legal obligations that apply to the Spear PT Group Health Plan. These rights and obligations are described in more detail in the enclosed notices.
Contents
Michelle’s Law Notice Women’s Health and Cancer Rights Act (WHCRA) Notice
Page2
Page2
Newborns’ and Mother’s Health Protection Act (NMHPA) Notice
Page3
Medical Loss Ratio (MLR) Rule Notice
Page3
Notice of HIPAA Privacy Practices
Page3
Notice of HIPAA Special Enrollment Rights
Page6
Health Insurance Marketplace Coverage Options and Your Health Coverage Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)
Page8
Page10
Model General Notice of COBRA Continuation Coverage Rights
Page15
Your Rights and Protections Against Surprise Medical Bills
Page19
You should review these notices closely and keep them with other materials that you receive about benefits available under the Plan. If you have any questions about any of the legal rights and obligations described below or the Plan, you should write or call:
Carla Giambona, Director of HR 102 Madison Avenue, 8th Floor | New York,NY 10016 | cgiambona@spearcenter.com
The following notices are not intended to be a description of the benefits offered under the Plan. For more information about specific benefits, refer to the Summary Plan Descriptions for the Plan, which are available by Contact HR.
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