Page 26 - Tender Greens EE Guide 01-20

Tender Greens plans are partially arranged by Tender Greens and Even though the Affordable Care Act (ACA)’s
governed by it’s plan rules and documents. ERISA and various penalty for not having health coverage (known as
other state and federal laws require that employers provide the individual mandate) has been reduced to
disclosure and annual notices to their plan participants. Tender zero, if you are a taxpayer in California, you will
Greens distributes annual notices to new-hires, and each year still be required to have health coverage (unless
during open enrollment. You may also request a copy by you qualify for an exemption) or pay a penalty for
contacting People Services, or download a copy from UltiPro. the 2020 tax year. In addition, several other
states, including Massachusetts, New Jersey, and
The following are a list of Annual Notices: Vermont, as well as the District of Columbia, have
• Medicare Part D Notice of Creditable Coverage: Plans are reinstated an individual mandate requirement,
required to provide each covered participant and dependent and others are considering doing so.
a Certificate of Creditable Coverage to qualify for enrollment
in Medicare Part D prescription drug coverage when qualified You may consider these options below to satisfy
without a penalty. this requirement:
• HIPAA Notice of Privacy Practices: This notice is intended to • Enroll in a medical plan offered by Tender
inform Team Members of the privacy practices followed by Greens or another group medical plan
Tender Greens’ group health plan. It also explains the federal meeting the requirements for minimum
privacy rights afforded to you and the members of your family essential coverage;
as plan participants covered under a group plan. • Purchase coverage through a health
• Women's Health and Cancer Rights Act (WHCRA): This act insurance marketplace;
contains important protections for breast cancer patients • Enroll in coverage through a government-
who choose breast reconstruction with a mastectomy. sponsored program if eligible.
• Newborns’ and Mothers’ Health Protection Act: This act affects
the amount of time a mother and her newborn child are However, if you choose to purchase coverage
covered for a hospital stay following childbirth. through the marketplace, because Tender
• Special Enrollment Rights: Plan participants are entitled to Greens’ medical plans are considered affordable
certain special enrollment rights outside of Tender Greens’ and meet minimum value under the Affordable
open enrollment period. This notice provides information on Care Act, you may not be eligible for a subsidy,
special enrollment periods for loss of prior coverage or the and you may not see lower premiums or out-of-
addition of a new dependent. pocket costs through the marketplace. In
• Medicaid & Children’s Health Insurance Program: Some states addition, employer contributions to your medical
offer premium assistance programs for those who are eligible benefits will be lost and your portion of medical
for health coverage from their employers, but are unable to premiums will no longer be paid via payroll
afford the premiums. This notice provides information on how deductions on a pre-tax basis.
to determine if your state offers a premium assistance
program.
• Summary of Benefits and Coverage (SBC): Health insurance
issuers and group health plans are required to provide you For More Information
with an easy-to-understand summary about your health Go to www.healthcare.gov.
plan’s benefits and coverage.

26 Team Member Benefits