Legal Notices


You have the right to appeal Adverse Eligibility and Benefit Determinations. See the medical Summary Plan Descriptions  for more information.

COBRA Rights Notice
If you enroll in medical, dental, vision or the healthcare flexible spending account (FSA), you should be aware of your rights under COBRA (the Consolidated Omnibus Budget Reconciliation Act, as amended). Among other things, COBRA mandates that an employer give employees the ability to continue the same coverage after leaving employment. See the COBRA Notice for more details.

Creditable Prescription Drug Notice for Medicare-eligible Associates
This creditable prescription drug coverage information is for Medicare-eligible associates and covered dependents.

Note: Individuals who are not currently eligible for Medicare and do not expect to become eligible before January 1, 2020, can disregard this information. The notice is required by the government as part of the regulations of Medicare Part D drug coverage. In summary, it states that for as long as you and/or your dependents remain covered by your current Regions-sponsored Blue Cross coverage, which includes prescription drug benefits, you do not need to (and in fact should not) enroll in Medicare Part D. It goes on to say that when you do sign up for Part D, you will need to provide a copy of this notice to Medicare when you enroll. See the Creditable Prescription Drug Notice for details.

Healthcare Exchange Notice

Health Insurance Marketplace Coverage Options and Your Health Coverage

The Patient Protection and Affordable Care Act (PPACA), commonly referred to as Healthcare Reform, provides an alternative way to buy health insurance: the Health Insurance Marketplace. To assist you as you evaluate options for you and your family, this notice provides some basic information about the new Marketplace and employment-based health coverage offered by Regions.

HIPAA Privacy: Protecting Your Personal Health Information
A portion of the Health Insurance Portability and Accountability Act of 1996 (HIPAA) addresses the protection of confidential health information. It applies to all Regions medical, dental and vision care plans. The Regions HIPAA Privacy Notice spells out what the plan is required by law to do regarding your own protected health information.

Maternity and Newborn Infant Coverage
The health and welfare of mothers and newborns is important, and our plan complies with the Newborns and Mothers Health Protection Act. Inpatient maternity care benefits are covered for no less than 48 hours following a natural delivery and 96 hours following a Caesarean section. For details regarding how maternity benefits are covered, see the Summary Plan Description.

Special Enrollment Rights
If you decline enrollment for yourself or your dependents (including your spouse) because of other health insurance or group health plan coverage, you may be able to enroll yourself and your dependents in a Regions medical plan if you or your dependents lose eligibility for that other coverage. Also, if you have a new dependent as a result of marriage, birth or adoption, you may be able to enroll your dependent in a Regions medical plan. You must request enrollment within 31 days after the event. To learn more, see Changes Due to Life Events.

Special Enrollment Period for Medicaid or Children’s Health Insurance Program (CHIP)
Associates (or dependents of an associate) who (1) become eligible for Medicaid or the Children’s Health Insurance Program (CHIP) or (2) whose coverage terminates due to loss of eligibility for Medicaid (CHIP) may make changes in their medical coverage. Any change requests must be received within 60 days of becoming eligible or of the exhaustion or termination of coverage. Please read the CHIP notice for more information regarding eligibility, how to enroll in CHIP coverage or how to receive premium assistance.

The Women’s Health and Cancer Rights Act
Regions health plans cover mastectomies and certain related reconstructive surgery. The law requires Regions to notify you annually of the availability of this coverage. A member who is receiving benefits in connection with a mastectomy will also receive coverage for reconstruction of the breast on which a mastectomy was performed and reconstruction of the other breast to produce a symmetrical appearance; prostheses; and treatment of physical complications at all stages of the mastectomy, including lymphedema. Benefits for this treatment will be subject to the same calendar year deductible and coinsurance provisions that apply for other medical and surgical benefits.

USERRA – The Uniformed Services Employment and Reemployment Rights Act

Health Insurance Protection While You are on Military Leave
If you leave your job to perform military service, you have the right to elect to continue your existing employer-based health plan coverage for you and your dependents for up to 24 months while in the military. Even if you don’t elect to continue coverage during your military service, you have the right to be reinstated in your employer’s health plan when you are reemployed, generally without any waiting periods or exclusions except for service-connected illnesses or injuries. See the Regions policy on Military Leave on life@regions > HR Connect > Associate Relations > Policies > You & Regions Manual.

Notice Regarding Wellness Program

The Vitality Program is a voluntary wellness program available to all associates on the Regions Medical Plan. The program is administered according to federal rules permitting employer-sponsored wellness programs that seek to improve associate health or prevent disease, including the Americans with Disabilities Act of 1990, the Genetic Information Nondiscrimination Act of 2008, and the Health Insurance Portability and Accountability Act, as applicable, among others. This notice reviews voluntary status, rewards, accommodation and privacy requirements. Any questions should be directed to

The website is intended to provide select highlights of the plans. For more detailed benefit information, please refer to the appropriate Summary Plan Descriptions. Every attempt was made to make this site as accurate as possible. If a discrepancy exists between this site and the official plan documents, the plan documents will govern. In addition, while Regions intends that these plans be continued indefinitely, it reserves the right to amend or terminate them at any time.

Need Help?

Contact the HR Connect Team at 1-877-562-8383.