Page 11 - Advertise Purple Benefit Guide

Important Information

Annual Notices ACA

Advertise Purple plans are partially arranged by Advertise Purple and Even though the Affordable Care Act (ACA)’s
governed by it’s plan rules and documents. ERISA and various other penalty for not having health coverage (known as
state and federal laws require that employers provide disclosure and the individual mandate) has been reduced to zero,
annual notices to their plan participants. Advertise Purple distributes if you are a taxpayer in California, you will still be
annual notices to new-hires, and each year during open enrollment. required to have health coverage (unless you
You may also request a copy by contacting the Human Resources qualify for an exemption) or pay a penalty for the
Department, or download a copy from Ease. 2020 tax year. In addition, several other states,
including Massachusetts, New Jersey, and Vermont,
The following are a list of Annual Notices: as well as the District of Columbia, have reinstated
• Medicare Part D Notice of Creditable Coverage: Plans are an individual mandate requirement, and others are
required to provide each covered participant and dependent a considering doing so.
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 Advertise
inform employees of the privacy practices followed by Advertise Purple or another group medical plan meeting
Purple’s group health plan. It also explains the federal privacy the requirements for minimum essential
rights afforded to you and the members of your family as plan coverage;
participants covered under a group plan. • Purchase coverage through a health insurance
• Women's Health and Cancer Rights Act (WHCRA): This act marketplace;
contains important protections for breast cancer patients who • Enroll in coverage through a government-
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 covered However, if you choose to purchase coverage
for a hospital stay following childbirth. through the marketplace, because Advertise
• Special Enrollment Rights: Plan participants are entitled to Purple’s medical plans are considered affordable
certain special enrollment rights outside of Advertise Purple’s 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, and
special enrollment periods for loss of prior coverage or the you may not see lower premiums or out-of-pocket
addition of a new dependent. costs through the marketplace. In addition,
• Medicaid & Children’s Health Insurance Program: Some states employer contributions to your medical benefits
offer premium assistance programs for those who are eligible for will be lost and your portion of medical premiums
health coverage from their employers, but are unable to afford will no longer be paid via payroll deductions on a
the premiums. This notice provides information on how to pre-tax basis.
determine if your state offers a premium assistance program.

Summary of Benefits

and Coverage (SBC) For More Information
Go to www.healthcare.gov.

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.

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