Page 18 - Myodetox 2020 Benefit Guide
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Annual Notices ACA
Myodetox plans are partially arranged by Myodetox and Even though the Affordable Care Act (ACA)’s
governed by its plan rules and documents. ERISA and various penalty for not having health coverage (known
other state and federal laws require that employers provide as the individual mandate) has been reduced
disclosure and annual notices to their plan participants. to zero, if you are a taxpayer in California,
Myodetox distributes annual notices to new-hires, and each you will still be required to have health
year during open enrollment. You may also request a copy by coverage (unless you qualify for an exemption)
contacting the Human Resources Department, or download a or pay a penalty for the 2020 tax year. In
copy from Ease. With Ease, you’ll find documents posted such addition, several other states, including
as the Summary of Benefits and Coverage (SBC), annual Massachusetts, New Jersey, and Vermont, as
notices, carrier benefit summaries, evidence of coverage well as the District of Columbia, have
booklets, claim forms, and much more. These documents reinstated an individual mandate requirement,
include detailed information about the Myodetox benefit plans and others are considering doing so.
and can help you plan for upcoming services.
You may consider these options below to
The following are a list of Annual Notices: satisfy this requirement:
• Medicare Part D Notice of Creditable Coverage: Plans • Enroll in a medical plan offered
are required to provide each covered participant and by Myodetox or another group medical
dependent a Certificate of Creditable Coverage to qualify plan meeting the requirements for
for enrollment in Medicare Part D prescription drug minimum essential coverage;
coverage when qualified without a penalty. • Purchase coverage through a health
• HIPAA Notice of Privacy Practices: This notice is insurance marketplace;
intended to inform employees of the privacy practices • Enroll in coverage through a government-
followed by Career Group’s group health plan. It also sponsored program if eligible.
explains the federal privacy rights afforded to you and the
members of your family as plan participants covered However, if you choose to purchase coverage
under a group plan. through the marketplace, because Career
• Women's Health and Cancer Rights Act (WHCRA): This Group’s medical plans are considered
act contains important protections for breast cancer affordable and meet minimum value under the
patients who choose breast reconstruction with a Affordable Care Act, you may not be eligible
mastectomy. for a subsidy, and you may not see lower
• Newborns’ and Mothers’ Health Protection Act: This act premiums or out-of-pocket costs through the
affects the amount of time a mother and her newborn marketplace. In addition, employer
child are covered for a hospital stay following childbirth. contributions to your medical benefits will be
• Special Enrollment Rights: Plan participants are entitled lost and your portion of medical premiums will
no longer be paid via payroll deductions on a
to certain special enrollment rights outside of Career
Group’s open enrollment period. This notice provides pre-tax basis.
information on special enrollment periods for loss of prior
coverage or the addition of a new dependent.
• Medicaid & Children’s Health Insurance Program: Some
states offer premium assistance programs for those who For More Information
are eligible for health coverage from their employers, but Go to healthcare.gov
are unable to afford the premiums. This notice provides
information on how 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 with an easy-to-understand summary about
your health plan’s benefits and coverage.
18 Employee Benefits
