TO ALL: New Mexico residents named as an insured, participant, member, or certificate holder under a supplemental accident & health insurance product issued by a Member of the Chubb Group of Companies.

RE: Notice Regarding your Insurance Issued by a Member of the Chubb Group of Companies

We recognize and understand that this is a difficult time for all of us; therefore, we wish to provide you clarity regarding the limits of coverage you have under your supplemental accident & health insurance product issued by a Member of the Chubb Group of Companies. For that reason, we are providing the attached notice, as directed by the New Mexico State Insurance Commissioner, which provides additional information about your insurance coverage.

NOTICE TO NEW MEXICO RESIDENTS REGARDING YOUR INSURANCE UNDERWRITTEN BY ACE AMERICAN INSURANCE COMPANY OR FEDERAL INSURANCE COMPANY

The coverage provided under your benefits plan or policy underwritten by ACE American Insurance Company or Federal Insurance Company is limited in nature and may not provide financial protection for significant costs that you could incur for the diagnosis or treatment of COVID-19 ("Coronavirus") related illness.

If you do not have comprehensive major medical coverage, in addition to the plan or policy issued by our company, you may incur significant uninsured medical expenses associated with the diagnosis and treatment of illness caused by COVID-19.

Major medical plans offer robust consumer protections, and are required to waive all deductibles, co-pays and other cost sharing expenses for the diagnosis or treatment of COVID-19 related illness. Your policy or plan with us is not a major medical plan and does not provide such protections.

If you do not have major medical coverage, you may:

1. Contact a licensed insurance broker or agent to see about major medical coverage availability.
2. To see if you are eligible for a special enrollment period for major medical coverage through the New Mexico Health Insurance Exchange, contact beWellnm toll-free at 1-833-862-3935.
3. To see if you are eligible for Medicaid coverage and to complete an application, please call the Human Services Department's Medicaid Expansion Hotline toll-free at l-855-637-6574 or visit https://www.yes.state.nm.us/yesnm/home/index
4. To see if you are eligible for high risk pool coverage, please contact the New Mexico Medical Insurance Pool (the "High Risk Pool") at 1-844-728-7896 or https://nmmnip.org/. If you are uninsured and have a COVID-19 diagnosis, your condition qualifies you for Pool coverage.