Page 28 - Career Group Benefits Guide 2020 OOS
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Annual Notices ACA
Career Group Companies plans are partially arranged by Even though the Affordable Care Act (ACA)’s
Career Group Companies and governed by its plan rules and penalty for not having health coverage (known
documents. ERISA and various other state and federal laws as the individual mandate) has been reduced
require that employers provide disclosure and annual notices to zero, if you are a taxpayer in California,
to their plan participants. Career Group Companies distributes you will still be required to have health
annual notices to new-hires, and each year during open coverage (unless you qualify for an exemption)
enrollment. You may also request a copy by contacting the or pay a penalty for the 2020 tax year. In
Human Resources Department, or download a copy from addition, several other states, including
PlanSource. Massachusetts, New Jersey, and Vermont, as
well as the District of Columbia, have
The following are a list of Annual Notices: reinstated an individual mandate requirement,
• Medicare Part D Notice of Creditable Coverage: Plans and others are considering doing so.
are required to provide each covered participant and
dependent a Certificate of Creditable Coverage to qualify You may consider these options below to
for enrollment in Medicare Part D prescription drug satisfy this requirement:
coverage when qualified without a penalty. • Enroll in a medical plan offered by Career
• HIPAA Notice of Privacy Practices: This notice is Group Companies or another group
intended to inform employees of the privacy practices medical plan meeting the requirements for
followed by Career Group’s group health plan. It also minimum essential coverage;
explains the federal privacy rights afforded to you and the • Purchase coverage through a health
members of your family as plan participants covered insurance marketplace;
under a group plan. • Enroll in coverage through a government-
• Women's Health and Cancer Rights Act (WHCRA): This sponsored program if eligible.
act contains important protections for breast cancer
patients who choose breast reconstruction with a However, if you choose to purchase coverage
mastectomy. through the marketplace, because Career
• Newborns’ and Mothers’ Health Protection Act: This act Group’s medical plans are considered
affects the amount of time a mother and her newborn affordable and meet minimum value under the
child are covered for a hospital stay following childbirth. Affordable Care Act, you may not be eligible
• Special Enrollment Rights: Plan participants are entitled for a subsidy, and you may not see lower
to certain special enrollment rights outside of Career premiums or out-of-pocket costs through the
Group’s open enrollment period. This notice provides marketplace. In addition, employer
contributions to your medical benefits will be
information on special enrollment periods for loss of prior
coverage or the addition of a new dependent. lost and your portion of medical premiums will
no longer be paid via payroll deductions on a
• Medicaid & Children’s Health Insurance Program: Some pre-tax basis.
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. For More Information
• Summary of Benefits and Coverage (SBC): Health Go to healthcare.gov
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.
28 Employee Benefits
