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Welcome to BakerNowicki Design Studio!

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 Kelley Mack by calling (619) 795-2450 or via
email at kmack@bndesignstudio.com.

Contents

Important Information ………………………………………… 2 Vision Insurance …………………………………………………. 8

Enrollment Information ……………………………………….. 3 Life and AD&D Insurance …………………………………... 9
Online Benefits Enrollment ………………………………….. 4 Resources and Contacts ….………………………………….. 10
Medical Insurance ……………………………………………….. 5 Employee Contributions ……………………………………... 11

Dental Insurance …………………………………………………. 7

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 penalty for 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 BakerNowicki Design Studio or another group plan
• Purchase coverage through a health insurance marketplace
• Enroll in coverage through a government-sponsored program (if eligible)

Because BakerNowicki Design Studio’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.

For More Information
Go to www.healthcare.gov.

Annual Notices

Various state and federal laws, require that employers provide disclosure and annual notices to their plan participants.
BakerNowicki Design Studio has posted all federally-required annual notices on Ease for you to download and read at your
convenience.

The following is a list of the annual notices:
• Medicare Part D Notice of Creditable Coverage
• Women's Health and Cancer Rights Act (WHCRA)
• Newborns’ and Mothers’ Health Protection Act
• Special Enrollment Rights
• Medicaid & Children’s Health Insurance Program
• Summary of Benefits and Coverage (SBC)

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