Page 26 - iFLY Benefit Guide 01-20

Annual ACA

Notices The Affordable Care Act (ACA) requires

applicable large employers to make
affordable coverage available to their team
members or risk paying a penalty. Although
iFLY plans are partially arranged by iFLY and governed by it’s the individual mandate is no longer effective
beginning January 1, 2019, it is important
plan rules and documents. ERISA and various other state
and federal laws require that employers provide disclosure that you understand your options for health
and annual notices to their plan participants. iFLY has insurance coverage. You may consider these
options below:
posted all federally required annual notices on UltiPro for
you to download and read at your convenience.  Enroll in a medical plan offered by iFLY or
another group plan
The following are a list of Annual Notices:  Purchase coverage through a health
 Medicare Part D Notice of Creditable Coverage: Plans insurance marketplace
are required to provide each covered participant and  Enroll in coverage through a government
dependent a Certificate of Creditable Coverage to qualify -sponsored program if eligible
for enrollment in Medicare Part D prescription drug
coverage when qualified without a penalty. Because iFLY’s medical plans are considered
 HIPAA Notice of Privacy Practices: This notice is affordable and meet minimum value under
intended to inform team members of the privacy the Affordable Care Act, you will not
practices followed by iFLY’ group health plan. It also generally see lower premiums or out-of-
explains the federal privacy rights afforded to you and pocket costs through the marketplace. In
the members of your family as plan participants covered addition, employer contributions to your
under a group plan. medical benefits will be lost if you choose to
 Women's Health and Cancer Rights Act (WHCRA): This purchase coverage through the marketplace,
act contains important protections for breast cancer and your portion of medical premiums will
patients who choose breast reconstruction with a no longer be paid via payroll deductions on a
pre-tax basis.
mastectomy. The U.S. Departments of Labor and Health
and Human Services are in charge of this act of law
which applies to group health plans if the plans or
coverage provide medical and surgical benefits for a
mastectomy. For More Information
 Newborns’ and Mothers’ Health Protection Act: This Go to www.healthcare.gov.
act affects the amount of time a mother and her
newborn child are covered for a hospital stay following
childbirth.
 Special Enrollment Rights: Plan participants are
entitled to certain special enrollment rights outside of
iFLY’s open enrollment period. This notice provides
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 are eligible for health coverage from their
employers, but 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.

26 Team Member Benefits