86 • Taking advantage of ou tpatient surgery; • Contacting the Fund’s Utilization Review Program; and • Using generic drugs, whenever available. By adhering to these suggestions, you may utilize your benefit to its fullest, while simultaneously cutting medi cal costs. Reliance on Coverage Advice If you contact CVS Caremark , Cigna or the Fund Office to determine if a particular service, procedu re or medication is a covered expense, including eligibility and other advice, unless you receive written confirmation, the Plan is not necessarily r esponsible for these representations. If there is any question about eligibility for coverage of a specific service, procedure, or prescription drug, you should not rely on any verbal representation from CVS Caremark, Cigna or the Fund Office, but request confirmation in writing to assure that there will be no misunderstandings. Use and Disclosure of Protected Health Information The Plan maintains a “Privacy Notice” describing how your medical information may be used or disclo sed, as well as how you may gai n access to your medical information and your other rights regarding that information. The Plan’s Privacy N otice is reproduced here for your careful review: Privacy Notice Section 1: Purpose of This Notice and Effective Date THIS NOTICE DESCRIBES HOW MEDIC AL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY. Effective date. The effective date of this Notice is April 14, 2003. This Notice is required by law. The National IAM Benefit Trust Fund (the “Fund”) is required by law to take reasonable steps to ensure the privacy of your personally identifiable health information and to inform you about: • The Fund’s uses and disclosures of Protected Health Information (PHI), • your rights to priv acy with respect to your PHI, • The Fund’s duties with respect to your PHI, • your right to file a complaint with the Fund and with the Secretary of the United States Department of Health and Human Services (HHS), and • The person or office you should contact fo r further information about the Fund’s privacy practices. Section 2: Your Protected Health Information Protected Health Information (PHI) Defined The term “Protected Health Information” (PHI) includes all individually identifiab le health information relating to your past, present or future physical or mental health condition or to payment for health care. PHI incl udes information maintained by the Fund in oral, written, or electronic form.