This notice outlines your right to sign up for health coverage outside the standard open enrollment period, along with required health benefits for mastectomy-related care
Special Enrollment Rules: If you decide not to sign up for health coverage right now because you have other insurance, you can still enroll later if certain major life events happen
You lose your other health coverage or your employer stops helping pay for it (you must sign up within 30 days)
You gain a new family member through marriage, birth, adoption, or foster care placement (you must sign up within 30 days)
You lose Medicaid/CHIP coverage or become eligible for state payment assistance (you must sign up within 60 days)
If you miss these special sign-up deadlines, you will generally have to wait until the next annual open enrollment period to join
Breast Cancer Care Rights (WHCRA): Under federal law, if you have a mastectomy, your health plan covers breast reconstruction surgery, surgery on the other breast to create a balanced look, breast prostheses, and treatment for physical complications like swelling (lymphedema)