The plan documents listed below describes the benefits to which you may be entitled under the plan, your rights, and responsibilities. This document and the certificates of insurance for its underlying benefits are intended to inform eligible employees about the plan's terms and their rights under it. The specific benefits offered under the plan are:

• Welfare Benefits Summary Plan Description and Plan Document
• Welfare Benefits Summary Annual Report
• Summary of Material Modification - PPO Option - Amendment 1
• Summary of Material Modification - PPO Option - Amendment 2
• Summary of Material Modification - PPO Option 2 - Amendment 1
• Summary of Material Modification - PPO Option 2 - Amendment 2
• Summary of Material Modification - HDHP Option - Amendment 1
• Summary of Material Modification - HDHP Option - Amendment 2
• Flexible Benefits Program Summary Plan Description
• Flexible Benefits Program Summary Annual Report
• Summary of Material Modification - Flexible Benefits Plan - Amendment 1
• Retiree HRA Summary Plan Description
• Retiree Welfare Benefit Plan SPD

The retirement summary plan description document describes the benefits to which you may be entitled under the plan, your rights, and your responsibilities. This document plus the summaries made available by the institutions sponsoring investment funds under the plan are intended to serve as a summary plan description to inform eligible employees about the plan's terms and their rights under it.

• 403b Summary Plan Description
• 403b Summary of Material Modifications - Amendment 1
• 403b Summary of Material Modifications - Amendment 2
• 403b Summary of Material Modifications - Amendment 3
• 403b Summary Annual Report
• Service Fee Disclosure 
• Universal Availability Notice 

Annual Compliance Notices 

• Michelle's Law Notice (Page 2)
• Women's Health and Cancer Rights Act Notice (Page 2)
• Newborns' and Mother's Health Protection Act Notice (Page 3)
• Notice of HIPAA Privacy Practices (Page 3)
• Notice of HIPPA Special Enrollment Rights (page 6)
• Health Insurance Marketplace Coverage Options and Your Health Coverage (Page 7)
• Important Notice about your prescription drug coverage and medicare (Page 9)
• Premium Assistance Under Medicaid and the Children's Health Insurance Program (CHIP) (Page 11)
• Model General Notice of COBRA Continuation Coverage Rights (Page 16)
• Your Rights and Protections Against Surprise Medical Bills (Page 20)