Page 17 - MMCS Benefit Guide 2019 FINAL

Education Reimbursement

Regular, full-time, active employees working 30 hours or more are encouraged to continue learning within their profession
or career. With the approval of their Managers, all full-time employees may be eligible for tuition reimbursement, up to
$1,000 per calendar year, for courses directly related to their performance or positions.

Gym Membership Benefits

Equinox | Fitness Membership Program

The Company has partnered with Equinox Fitness Clubs to offer Employees reduced monthly fees at Clubs where it has
offices. Features of this program include:
• Waived Initiation fee
• Reduced monthly membership fees

Important Information

The Affordable Care Act and You

The Affordable Care Act (ACA) requires applicable large employers to make affordable coverage available to their employees
or risk paying a penalty. Although the individual mandate is no longer effective beginning January 1, 2019, it is important that
you understand your options for health insurance coverage. You may consider these options below:
• Enroll in a medical plan offered by the Company or another group plan
• Purchase coverage through a health insurance marketplace
• Enroll in coverage through a government-sponsored program if eligible
Because the Company’s medical plans are considered affordable and meet minimum value under the Affordable Care Act,
you will not generally see lower premiums or out-of-pocket costs through the marketplace. In addition, employer
contributions to your medical benefits will be lost if you choose to purchase coverage through the marketplace, and your
portion of medical premiums will no longer be paid via payroll deductions on a pre-tax basis. To learn more about the ACA,
visit www.healthcare.gov.

Annual Notices

Various state and federal laws require that employers provide disclosure and annual notices to their plan participants.
The Company has posted all federally required annual notices on BSwift for you to download and read at your convenience.
Annual notices include the following:

 Medicare Part D Notice of Creditable Coverage  Special Enrollment Rights
 Women's Health and Cancer Rights Act (WHCRA)  Medicaid & Children’s Health Insurance Program
 Newborns’ and Mothers’ Health Protection Act  HIPPA Notice of Privacy Practices
 Summary of Benefits and Coverage (SBC)

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