Page 2 - Charles E Thomas EE Guide 12-19

Welcome to Charles E. Thomas!

This guide provides a summary of your benefit options and is designed to help you make choices and enroll for coverage. If you
would like more information about any of the benefits described here, please contact Human Resources.

Contents

Important Information 2 Employee Assistance Program 11
Enrollment Information 3 Life/AD&D Insurance 12
Online Benefits Enrollment 4 Will Prep Services 13

Medical Insurance 5 College Tuition Rewards 13
Dental Insurance 10 Resources and Contacts 14
Vision Insurance 11 Employee Contributions 15

IMPORTANT INFORMATION

ACA Annual Notices

The Affordable Care Act (ACA)’s penalty for not having health coverage Charles E. Thomas’s plans are partially arranged
(known as the individual mandate) has been eliminated. However, if by Charles E. Thomas and governed by its plan
you are a taxpayer in California, Massachusetts, New Jersey, Vermont rules and documents. Various state and federal
or the District of Columbia, you will be required to have health laws require that employers provide disclosure
coverage (unless you qualify for an exemption) or pay a penalty for the and annual notices to their plan participants.
2020 tax year – these states have an individual mandate requirement.
The following is a list of the annual notices:
You may consider these options below to satisfy this requirement: • Medicare Part D Notice of Creditable
• Enroll in a medical plan offered by Charles E. Thomas or another Coverage
group medical plan meeting the requirements for minimum • Women's Health and Cancer Rights Act
essential coverage; (WHCRA)
• Purchase coverage through a health insurance marketplace; • Newborns’ and Mothers’ Health Protection
• Enroll in coverage through a government-sponsored program if Act
eligible. • Special Enrollment Rights
• Medicaid & Children’s Health Insurance
If you choose to purchase coverage through the marketplace, because Program
Charles E. Thomas’s medical plans are considered affordable and meet • HIPAA Notice of Privacy Practices
minimum value under the Affordable Care Act, you may not be eligible • Summary of Benefits and Coverage (SBC)
for a subsidy, and you may not see lower premiums or out-of-pocket
costs through the marketplace. In addition, employer contributions to Charles E. Thomas distributes annual notices to
your medical benefits will be lost, and your portion of medical new-hires, and each year during open enrollment.
premiums will no longer be paid via payroll deductions on a pre-tax You may also request a copy by contacting
basis. Human Resources or download a copy from Ease.

For More Information
Go to www.healthcare.gov.

2