Data Loading...
Jagged Peak Open Enrollment 2017
40 Downloads
979.57 KB
Twitter Facebook LinkedIn Copy link
RECOMMEND FLIP-BOOKS
Benefits at a Glance Plan Year: July 1, 2017 through June 30, 2018
PLAN YEAR: January 15, 2014 – December 31, 2014
CONTENTS & CONTACT INFORMATION
Refer to this list when you need to contact one of your benefit vendors. For general information contact Human Resources. HUMAN RESOURCES Human Resources Manager Christine Upp 813-637-6900 ext. 228 Corporate Recruiter/ HR Generalist Susan Ellis 813-637-6900 ext. 204 Human Resources Administrator Jennifer Artz 813-637-6900 ext. 209 BROKER Name M.E. Wilson Company Contact Alison Leon Phone Number 813-984-3605 Email Address [email protected] MEDICAL AND PHARMACY page 3 Name UnitedHealthcare Phone Number Medical: 866-633-2446 Web Address www.myuhc.com DENTAL page 4 Name UnitedHealthcare Phone Number 877-816-3596 Web Address www.myuhc.com VISION page 4 Name UnitedHealthcare Phone Number 800-638-3120 Web Address www.myuhc.com WELLNESS page 5
BI-WEEKLY PAYROLL DEDUCTIONS
page 7 page 8
LIFE AND DISABILITY
Name
Guardian
Phone Number Web Address
800-541-7846
www.guardiananytime.com
EMPLOYEE ASSISTANCE PROGRAM
page 9
Name
Guardian
Phone Number Web Address
1-800-386-7055
www.ibhworklife.com
VOLUNTARY BENEFITS
page 10
Name
Guardian
Phone Number Web Address
800-541-7846
www.guardiananytime.com
OTHER BENEFITS
page 11
ONLINE ENROLLMENT SYSTEM
page 12
Name
Web Benefits Design
Phone Number Web Address
888-311-5265
www.mybensite.com/jaggedpeak
DISCLOSURE NOTICES
page 13
BENEFIT INFORMATION
Benefit
Who pays the cost?
Jagged Peak pays the majority of the employee portion of the medical plan. You may enroll your eligible dependents for an additional cost. You may elect dental coverage for yourself and your eligible dependents on a voluntary basis and you will be responsible for the cost. You may elect vision coverage for yourself and your eligible dependents on a voluntary basis and you will be responsible for the cost.
YOUR BENEFITS PLAN Jagged Peak offers a variety of benefits allowing you the opportunity to customize a benefits package that meets your personal needs. In the following pages, you’ll learn more about the benefits offered. You’ll also see how choosing the right combination of benefits can help protect you and your family’s health and finances – and your family’s future.
Medical Insurance
Dental Insurance
Vision
Basic Life Insurance
Jagged Peak pays the entire cost.
Voluntary Life Insurance You will be responsible for the cost. Short and Long Term Disability Insurance Jagged Peak pays the entire cost.
ELIGIBILITY
All Regular full-time employees are eligible to join the Jagged Peak Benefits Plan on the 1st of the month following 30 days. “Regular Full-Time Employees” must be regularly scheduled and working at least 30 hours per week.
You may also enroll your dependents in the Benefits Plan when you enroll.
Eligible dependents include: • Your legal spouse; •
Your married or unmarried natural children, step-children living with you, legally adopted children and any other children for whom you have legal guardianship, who are: ► Under 26 years of age; ► A dependent who is older than 26 years of age, but less than 30 years of age may be eligible for medical benefits. To be eligible, a dependent must: • Be unmarried and not have dependents of his or her own; AND • Be a resident of Florida or a student; AND • Not have coverage of their own, or covered under any other plan; AND • Not entitled to benefits under Medicare
WHEN CAN YOU ENROLL?
You can sign up for Benefits at any of the following times:
• After completing the initial eligibility period; • During the annual open enrollment period; • Within 30 days of a qualified family-status change. If you do not enroll at one of the above times, you must wait for the next annual open enrollment period.
1
BENEFIT INFORMATION
?
CHOOSING YOUR BENEFITS You must actively choose any benefit that you pay for, or share in the cost with Jagged Peak. Your part of the cost is automatically taken out of your paycheck. There are two ways that the money can be taken out:
WHY DO I PAY FOR BENEFITS WITH BEFORE-TAX MONEY? There is a definite advantage to paying for some benefits with before-tax money: Taking the money out before your taxes are calculated lowers the amount of your pay that is taxable. Therefore, you pay less in taxes.
• BEFORE YOUR TAXES ARE CALCULATED – medical, dental and vision
• AFTER YOUR TAXES ARE CALCULATED – some voluntary benefits
MAKING CHANGES
Generally, you can only change your benefit choices during the annual benefits enrollment period. However, you may be able to change your benefit choices at anytime if you have a change in status including: • Your marriage • Your divorce or legal separation • Birth or adoption of an eligible child • Death of your spouse or covered child • Change in your spouse’s work status that affects his or her benefits • Change in your work status that affects your benefits • Change in residence or work site that affects your eligibility for coverage • Change in your child’s eligibility for benefits • Receiving Qualified Medical Child Support Order (QMCSO)
If you do not notify Human Resources within 30 days of a family status change, you will have to wait until the next annual enrollment period to make benefit changes unless you have another family status change. WHEN COVERAGE ENDS Coverage will stop on the last day of the month in which employment with the company ends.
KEY BENEFIT TERMS
COBRA – A Federal law that allows workers and dependents who lose their medical, dental, or vision coverage to continue any of these coverages for a specified length of time by electing and paying for continuation benefits. Coinsurance – The percentage of the medical or dental charge that you pay after the deductible has been met. Copayment – A flat fee that you pay for medical services, regardless of the actual amount charged by your doctor or another provider. This generally applies to physicians’ office visits and prescription drugs. Deductible – The amount you pay toward medical and dental expenses each calendar year before the plan begins paying benefits. Out of Pocket Maximum – The maximum amount you will pay during the calendar year.
2
MEDICAL INSURANCE
Jagged Peak offers four medical plans through UnitedHealthcare (UHC). To find participating providers go to www.myuhc.com and click on “Find a Doctor”, then follow the prompts to complete the search.
The chart below provides a brief overview of the medical plans. This chart is intended only to highlight the benefits available and should not be relied upon to fully determine your coverage. If the below illustration of benefits conflicts in any way with the Summary Plan Description (SPD), the SPD shall prevail. It is recommended that you review your exact description of services and supplies that are covered, those which are excluded or limited, and other terms and conditions of coverage
Plan 1 UHC Choice AQP2
Plan 2 UHC Choice AQOI
Plan 3 UHC Choice AQPV
Plan 4 UHC Choice Plus AQNL
IN-NETWORK: Calendar Year Deductible (Individual/Family) Maximum Out-of-Pocket (Individual/Family) Out-of Pocket Max Includes Routine Preventive Services Preventive Office Visits CO-PAYS Referral Required Office Visits/Consultations for Illness/Injury Coinsurance
$5,000 / $10,000
$2,500 / $5,000
$1,000 / $2,000
$500 / $1,000
$6,500 / $13,000
$6,500 / $13,000
$6,500 / $13,000
$6,500 / $13,000
Deductible, Coinsurance & Copayments
Deductible, Coinsurance & Copayments
Deductible, Coinsurance & Copayments
Deductible, Coinsurance & Copayments
50%
80%
100%
100%
Covered 100%
Covered 100%
Covered 100%
Covered 100%
No
No
No
No
$40 Copay $65 Copay
$40 Copay $55 Copay
$25 Copay $40 Copay
$25 Copay $40 Copay
Specialist Visits Inpatient Hospital
Covered 50% after deductible Covered 50% after deductible Covered 100% after $350 Copay Covered 100% after $100 Copay
Covered 80% after deductible Covered 80% after deductible Covered 100% after $250 Copay Covered 100% after $100 Copay
Covered 100% after deductible Covered 100% after deductible Covered 100% after $350 Copay Covered 100% after $100 Copay
Covered 100% after deductible Covered 100% after deductible Covered 100% after $350 Copay Covered 100% after $100 Copay
Outpatient Surgery
Emergency Room
Urgent Care
Outpatient Diagnostic Services Lab Services
Covered 100% Covered 100%
Covered 100% Covered 100%
Covered 100% Covered 100%
Covered 100% Covered 100%
X-Ray Services
Covered 100% after $300 Copay
Covered 100% after $300 Copay
Covered 100% after $300 Copay
Covered 100% after $300 Copay
Complex Diagnostic Prescriptions Retail (30 day supply)
$10 / $30 / $70
$10 / $30 / $70
$10 / $30 / $50
$10 / $30 / $50
Mail Order (90 day supply)
2.5 X retail
2.5 X retail
2.5 X retail
2.5 x retail
OUT-OF-NETWORK:
Deductible (Individual / Family)
$1,500 / $3,000 $19,500 / $39,000
In-Network Only
In-Network Only
In-Network Only
Maximum Out-of-Pocket
Coinsurance
70%
See bi-weekly costs on page 7
3
DENTAL INSURANCE
Jagged Peak offers dental coverage through UHC. The PPO Dental Plan allows you to use in-network or out-of-network benefits. If out-of-network dentists are used, you will be responsible for paying the difference between UHC’s allowed amount and what the dentist may charge, also known as “balance billing”. If you enroll in the DHMO plan, you will be required to receive treatment from your Primary Dentist and/ or authorized care from a network specialist. The chart below provides a brief overview of the two plans.
DHMO Pre Paid Plan
PPO Plan
Calendar Year Maximum
N/A
$1,500 (per person)
In-Network only (primary dentist required)
In or Out of Network Office Visit Copay
In-Network
Out of Network*
$5 per visit
N/A
N/A
Deductible
$50 (x3 for family)
$100 (x3 for family)
Yes
Yes
Waived for Preventive
Coinsurance:
Copay Schedule Applies
Preventive Services
100%
100%*
Basic Services Major Services
Covered 100% after deductible Covered 80% after deductible* Covered 60% after deductible Covered 50% after deductible*
* Out of Network benefits are subject to reasonable and customary charges.
VISION INSURANCE
Jagged Peak offers vision coverage through UHC. The UHC vision network consists of optometrists, ophthalmologists, opticians and optical retailers. You have the option of visiting any provider, however by choosing a participating provider, you will receive the highest level of benefits.
Participating Provider
Non-Participating Provider
Exam
$10 Copay
$40 Allowance
Single: $40Allowance Bifocal: $60 Allowance Trifocal: $80 Allowance
Lenses
$10 Copay
Contact Lenses
$150 Allowance $150 Allowance
$150 Allowance $45 Allowance
Frames
Frequency Exam
Once every 12 months Once every 12 months Once every 24 months
Lenses or Contact Lenses
Frames
See bi-weekly costs on page 7
4
WELLNESS
5
WELLNESS continued
6
BI-WEEKLY PAYROLL DEDUCTIONS
MEDICAL
Plan 1
Plan 2
Plan 3
Plan 4
Employee Only
$46.15
$55.38
$110.77 $396.92 $281.54 $493.85
$138.46 $475.38 $378.46 $655.38
Employee + Spouse
$206.77 $117.23 $253.85
$235.38 $143.08 $304.62
Employee + Child(ren)
Family
DENTAL
DHMO (PRE-PAID)
PPO PLAN
Employee Only
$6.22
$13.21 $30.79 $27.98 $45.56
Employee + Spouse
$10.89 $13.48 $17.11
Employee + Child(ren)
Family
VISION
Vision
Employee Only
$3.19 $5.84 $6.86 $9.33
Employee + Spouse
Employee + Child(ren)
Family
7
LIFE AND DISABILITY INSURANCE
LIFE INSURANCE Jagged Peak provides basic life insurance to all full-time employees working 30 or more hours per week. You may also purchase voluntary life insurance coverage through the group plan. The chart below provides an overview of your options.
Basic Life Insurance
$30,000 Life and Accidental Death and Dismemberment **The Basic Life insurance is paid 100% by Jagged Peak.**
Employee Only
Benefit Reduction Schedule At age 65, benefits reduce by 35% of the original amount. At age 70, benefits reduce by 50% of the original amount. Voluntary Life Insurance Employee Only Increments of $10,000 up to a maximum of $500,000. Minimum Election: $10,000
No evidence of insurability up to a max of (newly eligible employees only): Employees less than age 65: $150,000 Employees age 65-69: $50,000 Employees age 70+: $10,000 Employees may increase their current coverage up to $50,000 during open enrollment, not to exceed the Guarantee Issue. Increments of $5,000 up to a maximum of $250,000 (not to exceed 100% of the employee’s elected amount). Minimum Election: $10,000
Employee Guarantee Issue
Spouse
No evidence of insurability up to max of (newly eligible dependents only): Less than age 65: $50,000 Age 65-69: $10,000 Age 70+: $0
Spouse Guarantee Issue
Benefit Reduction Schedule At age 65, benefits reduce by 35% of original amount and at age 70, benefits reduce by 50% of in force amount. Child(ren) $5,000 or $10,000 (one rate covers all eligible children in the family) Refer to the Guardian material or the online enrollment system for Voluntary Life rates.
DISABILITY Jagged Peak provides all regular full-time employees with short and long term disability benefits, and pays the full cost of this coverage. In the event you become disabled from a non-work-related injury or sickness, disability income benefits are provided as a source of income. Short Term Disability
Accident; 1 st Day/ Sickness; 8 th Day
Benefits Begin
Benefits Payable
26 Weeks
Percentage of Income Replaced
60% of weekly income
Maximum Benefit
$1,000 weekly
Long Term Disability
181 th Day
Benefits Begin
Benefits Payable
Social Security Normal Retirement Age
Percentage of Income Replaced
60% of monthly income
Maximum Benefit
$6,000 monthly
8
EMPLOYEE ASSISTANCE PROGRAM
WorkLifeMatters Your confidential Employee Assistance Program – Helping find balance between work and home life. WorkLifeMatters provides guidance for personal issues that you might be facing and information about other concerns that affect your life, whether it’s a life event or on a day-to-day basis. • Unlimited free telephonic consultation with an EAP counselor available 24/7 at 800-386-7055 • Referrals to local counselors – up to three sessions free of charge • State-of-the-art website featuring over 3,400 helpful articles on topics like wellness, training courses, and a legal and financial center.
WorkLifeMatters can offer help with:
Education • Admission testing & procedures • Adult re-entry programs • College planning • Financial aid resources • Finding a pre-school Lifestyle & Fitness Management
Dependent Care & Care Giving • Adoption assistance • Before/ after school programs • Day care • Elder care • In-home services Working Smarter
Legal and Financial • Basic tax planning • Credit & collections • Debt counseling
• Home buying • Immigration
• Anxiety & depression • Divorce & separation • Drug & alcohol
• Career development • Effective managing • Relocation
For more information about WorkLifeMatters, go to www.ibhworklife.com User Name: Matters; Password: wlm70101
Jagged Peak provides this benefit to all full-time employees.
9
VOLUNTARY BENEFITS
401k - OASIS RETIREMENT SERVICES Everyone envisions where he or she will be and what they will be doing when they retire. Because we value your contribution to Jagged Peak’s success, we believe it’s important to help you realize your retirement goals. Jagged Peak provides a retirement savings plan, also referred to as a 401(k), for employees who completed three months of service (eligibility begins 1 st of the quarter following three months of service). The Jagged Peak Retirement Savings Plan enables employees to make contributions to the plan on a pre-tax or post-tax basis. In addition to employee contributions, Jagged Peak will make a discretionary matching contribution of 20% of the first 5% of compensation that you contribute to the plan. The company’s matching contribution will not exceed 1% of your eligible compensation. Employees are fully vested after completing five years of service, as defined by the plan. The plan also allows rollovers from other qualified plans at any time. In addition, the plan allows participant access to accounts through loans and withdrawals according to plan provisions. JAGGED PEAK PERKS Jagged Peak offers employees several discount programs through Oasis Outsourcing and through our vendor partners. For more information on these programs, please speak to a member of the Human Resources Team. Accident Coverage - These plans help cover the unexpected expenses resulting from covered accidents. Hospital Indemnity - Hospital Indemnity plans pay specific benefits such as admissions to the hospital. This can be used to help fill the gaps caused by most major medical plans (co-payments and deductibles). Critical Illness - The Critical Illness plan pays a lump sum upon diagnosis of a covered critical illness for you to use where it’s needed most. It can help pay coinsurances, deductibles, caregivers, special medical equipment, loss of income and extra living expenses. Cancer Insurance – Cancer insurance pays benefits to you based on the treatments you receive related to a covered diagnosis. The benefit payment is paid in addition to your medical insurance plan. Please refer to the Guardian handouts for detailed benefits and pricing. GUARDIAN SUPPLEMENTAL BENEFITS Employees may choose to enroll in a variety of supplemental coverage available through Guardian. A broad selection of employer-sponsored products is available to enhance your benefit package and meet your individual needs. Following are some of the benefits available to you:
10
OTHER BENEFITS
DIRECT DEPOSIT Oasis Outsourcing is Jagged Peak’s payroll service provider. They provide Jagged Peak employees with the option to deposit their paycheck directly into a checking or savings account in a bank of their choice, or have their payroll placed on an Oasis payroll card. To start direct deposit, an account and routing number will be required. Please see a member of the Human Resources team to initiate or change direct deposit information. PAID TIME OFF Jagged Peak recognizes the importance of a work/life balance. The PTO (Paid Time Off) policy provides employees with a set amount of paid time off that can be used for various reasons, such as vacation, sick leave and personal leave. Jagged Peak also provides employees paid holidays and bereavement leave. PTO accrues on a monthly basis, based on the employee’s work schedule as follows:
Months of Service
Hours Accrued per Month
Days on Annual Basis
Years of Service
1 – 3
0 8
0
Less than 1
4 – 36
12 17 20
Less than 1 up to 3
37 – 60
11.36 13.36
3 - 5
61+
5+
Paid holidays: New Year’s Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, Christmas Day and 1 Floating Holiday. Holidays that fall on a Saturday are observed on the Friday before the holiday. Holidays that fall on a Sunday are observed on the Monday following the holiday. Bereavement Leave: When a death occurs in an employee’s immediate family, all regular full-time employees may request up to three days off with pay to attend the funeral or make funeral arrangements. Jagged Peak understands the deep impact that death can have on an individual and their family. If additional time off is required, employees should talk to their manager or Human Resources to discuss options. Additionally, Jagged Peak offers an Employee Assistance Program (EAP) to all employees through Aetna.
11
WEB BENFITS DESIGN – ONLINE ENROLLMENT SYSTEM
12
REQUIRED ANNUAL EMPLOYEE DISCLOSURE NOTICES
Required Annual Employee Disclosure Notices THE NEWBORNS’ AND MOTHERS’ HEALTH PROTECTION ACT OF 1996 The Newborns’ and Mothers’ Health Protection Act of 1996 prohibits group and individual health insurance policies from restricting benefits for any hospital length of stay for the mother or newborn child in connection with childbirth; (1) following a normal vaginal delivery, to less than 48 hours, and (2) following a cesarean section, to less then 96 hours. Health insurance policies may not require that a provider obtain authorization from the health insurance plan or the issuer for
WOMEN’S HEALTH AND CANCER RIGHTS ACT OF 1998
The Women’s Health and Cancer Rights Act of 1998 requires Jagged Peak to notify you, as a participant or beneficiary of the Jagged Peak Health and Welfare Plan, of your rights related to benefits provided through the plan in connection with a mastectomy. You, as a participant or beneficiary, have rights to coverage to be provided in a manner determined in consultation with your attending physician for: 1. All stages of reconstruction of the breast on which the mastectomy was performed; 2. Surgery and reconstruction of the other breast to produce a symmetrical appearance; and 3. Prostheses and treatment of physical compilations of the mastectomy, including lymphedema. These benefits are subject to the plan’s regular deductible and co-pay. For further details, refer to your Summary Plan Description. Keep this notice for your records and call Human Resources for more information. MICHELLE’S LAW The law allows for continued coverage for dependent children who are covered under your group health plan as a student if they lose their student status because of a medically necessary leave of absence from school. This law applies to medically necessary leaves of absence that begin on or after January 1, 2010 If your child is no longer a student, as defined in your Certificate of Coverage, because he or she is on a medically necessary leave of absence, your child may continue to be covered under the plan for up to one year from the beginning of the leave of absence. This continued coverage applies if your child was (1) covered under the plan and (2) enrolled as at student at a post-secondary educational institution (includes colleges, universities, some trade schools and certain other post-secondary institutions). Your employer will require a written certification from the child’s physician that states that the child is suffering from a serious illness or injury and that the leave of absence is medically necessary.
prescribing any such length of stay. Regardless of these standards an attending health care provider may, in consultation with the mother, discharge the mother or newborn child prior to the expiration of such minimum length of stay. Further, a health insurer or health maintenance organization may not: 1. Deny to the mother or newborn child eligibility, or continued eligibility, to enroll or to renew coverage under the terms of the plan, solely to avoid providing such length of stay coverage; 2. Provide monetary payments or rebates to mothers to encourage such mothers to accept less than the minimum coverage; 3. Provide monetary incentives to an attending medical provider to induce such provider to provide care inconsistent with such length of stay coverage; 4. Require a mother to give birth in a hospital; or 5. Restrict benefits for any portion of a period within a hospital length of stay described in this notice. These benefits are subject to the plan’s regular deductible and co-pay. For further details, refer to your Summary Plan Description. Keep this notice for your records and call Human Resources for more information. Federal government to comply with Section 111 of the Medicare, Medicaid, and SCHIP Extensions of 2007’s new Medicare Secondary Payer regulations. The mandate is designed to assist in establishing financial liability of claims assignments. In other words, it will help establish who pays first. The mandate requires group health plans to collect additional information, more specifically Social Security numbers for all enrollees, including dependents 6 months of age or older. Please be prepared to provide this information on your benefits enrollment form when enrolling into benefits. SECTION 111 Effective January 1, 2009 group health plans are required by
13
REQUIRED ANNUAL EMPLOYEE DISCLOSURE NOTICES continued
Required Annual Employee Disclosure Notices continued
I. No access to protected health information (PHI) except for summary health information for limited purpose and enrollment / dis-enrollment information. Neither the group health plan nor the plan sponsor (or any member of the plan sponsor’s workforce) shall create or receive protected health information (PHI) as defined in 45 C.F.R. §160.103 except for (1) summary health information for purpose of (a) obtaining premium bids or (b) modifying, amending, or terminating the group health plan, and (2) enrollment and dis-enrollment information. II. Insurer for group health plan will provide privacy notice The insurer for the group health plan will provide the group health plan’s notice of privacy practices and will satisfy the other requirements under HIPAA related to the group health plan’s PHI. The notice of privacy practices will notify participants of the potential disclosure of summary health information and enrollment / dis-enrollment information to the group health plan and the plan sponsor. III. No intimidating or retaliatory acts The group health plan shall not intimidate, threaten, coerce, discriminate against, or take other retaliatory action against individuals for exercising their rights , filing a complaint, participating in an investigation, or opposing any improper practice under HIPAAA. requirements of 45 C.F.R. §164.530 (k) so that the group health plan is not subject to most of HIPAA’s privacy requirements. IV. No Waiver The group health plan shall not require an individual to waive his or her privacy rights under HIPAA as a condition of treatment, payment, enrollment or eligibility. If such an action should occur by one of the plan sponsor’s employees, the action shall not be attributed to the group health plan. HIPAA PRIVACY POLICY FOR FULLY- INSURED PLANS WITH NO ACCESS TO PHI The group health plan is a fully-insured group health plan sponsored by the “Plan Sponsor”. The group health plan and the plan sponsor intend to comply with the
PATIENT PROTECTION: If the Group Health Plan generally requires the designation of a primary care provider who participates in the network and who is available to accept you or your family members. For children, your may designate a pediatrician as the primary care provider. You do not need prior authorization from the carrier or from any other person (including a primary care provider) in order to obtain access to obstetrical or gynecological care from a health care professional in the network who specializes in obstetrics or gynecology. The health care professionals, however, may be required to comply with certain procedures, including obtaining prior authorization for certain services, following a pre-approved treatment plan or procedures for making referrals. For a list of participating health care professionals who specialize in obstetrics or gynecology, or for information on how to select a primary care provider, and for a list of the participating primary care providers, contact the Plan Administrator or refer to the carrier website. It is your responsibility to ensure that the information provided on your application is accurate and complete. Any omissions or incorrect statements made by you on your application may invalidate your coverage. The carrier has the right to rescind coverage on the basis of fraud or misrepresentation. CHILDREN’S HEALTH INSURANCE PROGRAM REAUTHORIZATION ACT (CHIPRA) OF 2009 Effective April 1, 2009, a special enrollment period provision is added to comply with the requirements of the Children’s Health Insurance Program Reauthorization Act (CHIPRA) of 2009. If you or a dependent is covered under a Medicaid or CHIP plan and coverage is terminated as a result of the loss of eligibility for Medicaid or CHIP coverage, you may be able to enroll yourself and/or your dependent(s). However, you must enroll within 60 days after the date eligibility is lost. If you or a dependent becomes eligible for premium assistance under an applicable State Medicaid or CHIP plan to purchase coverage under the group health plan, you may be able to enroll yourself and/or your dependent(s). However, you must enroll within 60 days after you or your dependent is determined to be eligible for State premium assistance. Please note that premium assistance is not available in all states.
14
Required Annual Employee Disclosure Notices - Continued REQUIRED ANNUAL EMPLOYEE DISCLOSURE NOTICES continued
MEDICARE PART D This notice applies to employees and covered dependents who are eligible for Medicare Part D. Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with UHC and about your options under Medicare’s prescription drug Plan. If you are considering joining, you should compare your current coverage including which drugs are covered at what cost, with the coverage and costs of the plans offering Medicare prescription drug coverage in your area. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice. 1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare through Medicare prescription drug plans and Medicare Advantage Plan (like an HMO or PPO) that offer prescription drug coverage. All Medicare prescription drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium. 2. UHC has determined that the prescription drug coverage offered by the Welfare Plan for Employees of Jagged Peak under the UHC option are, on average for all plan participants, expected to pay out as much as the standard Medicare prescription drug coverage pays and is therefore considered Creditable Coverage. Because your existing coverage is Creditable Coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to join a Medicare drug plan. You should also know that if you drop or lose your coverage with UHC and don’t enroll in Medicare prescription drug coverage after your current coverage ends, you may pay more (a penalty) to enroll in Medicare prescription drug coverage later. _______________________________________________________ When can you join a Medicare Drug Plan? You can join a Medicare drug plan when you first become eligible for Medicare and each year from October 15 th to December 7 th . However, if you lose your current creditable prescription drug coverage, through no fault of your own, you will also be eligible for a two (2) month Special Enrollment Period (SEP) to join a Medicare drug plan. What happens to your current coverage if you decide to join a Medicare Drug Plan? If you decide to join a Medicare drug plan, your current UHC coverage will not be affected. You can keep this coverage if you elect part D and this plan will coordinate with Part D coverage. If you decide to join a Medicare drug plan and drop your current UHC coverage, be aware that you and your dependents will be able to get this coverage back.
When will you pay a higher premium (penalty) to join a Medicare drug Plan? You should also know that if you drop or lose your current coverage with UHC and don’t join a Medicare drug plan within 63 continuous days after your current coverage ends, you may pay a higher premium (a penalty) to join a Medicare drug plan later. If you go 63 continuous days or longer without creditable prescription drug coverage, your monthly premium may go up at least 1% of the Medicare base beneficiary premium per month for every month that you did not have that coverage. For example, if you go nineteen months without creditable coverage, your premium may consistently be at least 19% higher than the Medicare base beneficiary premium. You may have to pay this higher premium (a penalty) as long as you have Medicare prescription drug coverage. In addition, you may have to wait until the following October to join. For more information about this notice or your current prescription drug coverage… Contact our office for further information (see contact information below). NOTE: You’ll get this notice each year. You will also get it before the next period you can join a Medicare drug plan, and if this coverage through UHC changes. You also may request a copy of this notice at any time. For more information about your options under Medicare prescription drug coverage… More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare & You” handbook. You’ll get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare drug plans. For more information about Medicare prescription drug coverage: • Visit www.medicare.gov • Call your State Health Insurance Assistance Program (see your copy of the Medicare & You handbook for their telephone number) for personalized help, • Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048. If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. For information about this extra help, visit Social Security on the web at www.socialsecurity.gov, or call them at 1-800-772-1213 (TTY 1-800-325-0778). Remember: Keep this notice. If you enroll in one of the new plans approved by Medicare which offer prescription drug coverage, you may be required to provide a copy of this notice when you join to show that you are not required to pay a higher premium amount. Date: 7/1/17
Name of Entity/Sender: Jagged Peak Contact--Position/Office: Christine Upp
7650 Courtney Campbell Causeway Suite 1200 Tampa, FL 33607
Phone Number:
813-637-6900
15
HEALTHCARE REFORM AND YOU
The Patient Protection and Affordable Care Act & The Health Care and Education Affordability Reconciliation Act of 2010, together, create the most comprehensive health insurance reform ever under taken in recent history by our Country. Many of the new law’s required changes have already been incorporated into company health plans across the country since the effective date in September of 2010. However, there will be many more changes taking place in the months to come, as more guidance is issued by the government to employers, insurance carriers and individuals. One of the key requirements of the new law beginning in 2014, is the mandate that all U.S. citizens & legal residents either carry health insurance or pay an income tax penalty. While the tax penalty is not too severe in the first year, it becomes progressively more costly each year thereafter. Penalties for failing to buy coverage Tax penalties for failing to buy coverage are phased in according to the following schedule: In 2014, the greater of $95 or 1% of taxable income; In 2015, the greater of $325 or 2% of taxable income; In 2016, the greater of $695 or 2.5% of taxable income; and After 2016, the penalty is indexed for inflation. However, there are two ways to avoid the tax penalty: You can buy coverage for you and your family through your place of employment, if your employer offers such coverage. That coverage must meet certain standards set by the law in order for you and the employer to escape respective tax penalties. The coverage must meet certain minimum coverage standards (Generally pays at least 60% of your covered medical expenses) and must be considered “affordable” (Employer cannot charge you a premium for single or employee only coverage greater than 9.5% of your W-2 earnings for the year). The 9.5% would apply to annual salaries of up to about $45,000. Or, you can provide coverage for you and your family through a Federally run Insurance Exchange that is supposed to be up and running by 1/1/2014. Essentially, an Exchange is an interactive site where an individual can go to research, evaluate and buy health plans. The State of Florida chose not to set up a state run exchange, so the Federal government will take over that responsibility.
If you obtain coverage through an Exchange: The Exchange will eventually sell insurance policies at certain levels of coverage: • Bronze level – a medical plan designed to pay 60% of covered medical benefits; • Silver level – a medical plan designed to pay 70% of covered medical benefits; • Gold level – a medical plan designed to pay 80% of covered medical benefits; • Platinum level – a medical plan designed to pay 90% of covered medical benefits; • Catastrophic – available to young adults up to age 30 or those exempt from the individual mandate (additional requirements may apply) If you satisfy certain low income thresholds and do not have medical coverage through an employer, or have employer- provided coverage that is considered “unaffordable” or pays benefits that are below the “Bronze” plan discussed above, there are tax credits available to help you pay the premiums for coverage purchased through the Exchange. The credits also help pay for expenses like deductibles and co pays. More information on these credits will be provided to you later. If you and your family are below 133% of the Federal Poverty Level in 2014, you may qualify for Medicaid. Other changes to take effect in 2014 are: The health plan may no longer exclude coverage of a pre- existing condition; The health plan may not impose more than a 90-day waiting period for coverage; Your plan may no longer place an annual limit on key benefits in the plan; Your health plan must allow dependent children up to age 26 to enroll in coverage, regardless of the availability of employer-sponsored coverage where they work. You may only obtain coverage through an Exchange if you are not participating in your employer’s plan.
16
GENERAL NOTICE OF COBRA RIGHTS *Continuation coverage rights under cobra**
Introduction You’re getting this notice because you recently gained coverage under a group health plan (the Plan). This notice has important information about your right to COBRA continuation coverage, which is a temporary extension of coverage under the Plan. This notice explains COBRA continuation coverage, when it may become available to you and your family, and what you need to do to protect your right to get it. When you become eligible for COBRA, you may also become eligible for other coverage options that may cost less than COBRA continuation coverage. The right to COBRA continuation coverage was created by a federal law, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA). COBRA continuation coverage can become available to you and other members of your family when group health coverage would otherwise end. For more information about your rights and obligations under the Plan and under federal law, you should review the Plan’s Summary Plan Description or contact the Plan Administrator. You may have other options available to you when you lose group health coverage. For example, you may be eligible to buy an individual plan through the Health Insurance Marketplace. By enrolling in coverage through the Marketplace, you may qualify for lower costs on your monthly premiums and lower out-of-pocket costs. Additionally, you may qualify for a 30-day special enrollment period for another group health plan for which you are eligible (such as a spouse’s plan), even if that plan generally doesn’t accept late enrollees. What is COBRA continuation coverage? COBRA continuation coverage is a continuation of Plan coverage when it would otherwise end because of a life event. This is also called a “qualifying event.” Specific qualifying events are listed later in this notice. After a qualifying event, COBRA continuation coverage must be offered to each person who is a “qualified beneficiary.” You, your spouse, and your dependent children could become qualified beneficiaries if coverage under the Plan is lost because of the qualifying event. Under the Plan, qualified beneficiaries may elect COBRA continuation coverage, but they may be required to pay for the coverage. If you’re an employee, you’ll become a qualified beneficiary if you lose your coverage under the Plan because of the following qualifying events: • Your hours of employment are reduced, or • Your employment ends for any reason other than your gross misconduct. If you’re the spouse of an employee, you’ll become a qualified beneficiary if you lose your coverage under the Plan because of the following qualifying events: • Your spouse dies; • Your spouse’s hours of employment are reduced; • Your spouse’s employment ends for any reason other than his or her gross misconduct; • Your spouse becomes entitled to Medicare benefits (under Part A, Part B, or both); or • You become divorced or legally separated from your spouse . Your dependent children will become qualified beneficiaries if they lose coverage under the Plan because of the following qualifying events: • The parent-employee dies; • The parent-employee’s hours of employment are reduced; • The parent-employee’s employment ends for any reason other than his or her gross misconduct; • The parent-employee becomes entitled to Medicare benefits (Part A, Part B, or both); • The parents become divorced or legally separated; or • The child stops being eligible for coverage under the Plan as a “dependent child.” When is COBRA continuation coverage available? The Plan will offer COBRA continuation coverage to qualified beneficiaries only after the Plan Administrator has been notified that a qualifying event has occurred. The employer must notify the Plan Administrator of the following qualifying events: • The end of employment or reduction of hours of employment; • Death of the employee; • The employee’s becoming entitled to Medicare benefits (under Part A, Part B, or both).
For all other qualifying events (divorce or legal separation of the employee and spouse or a dependent child’s losing eligibility for coverage as a dependent child), you must notify the Plan Administrator within 60 days after the qualifying event occurs. You must provide this notice to the employer sponsoring the Plan. How is COBRA continuation coverage provided? Once the Plan Administrator receives notice that a qualifying event has occurred, COBRA continuation coverage will be offered to each of the qualified beneficiaries. Each qualified beneficiary will have an independent right to elect COBRA continuation coverage. Covered employees may elect COBRA continuation coverage on behalf of their spouses, and parents may elect COBRA continuation coverage on behalf of their children. COBRA continuation coverage is a temporary continuation of coverage that generally lasts for 18 months due to employment termination or reduction of hours of work. Certain qualifying events, or a second qualifying event during the initial period of coverage, may permit a beneficiary to receive a maximum of 36 months of coverage. There are also ways in which this 18-month period of COBRA continuation coverage can be extended: Disability extension of 18-month period of COBRA continuation coverage: If you or anyone in your family covered under the Plan is determined by Social Security to be disabled and you notify the Plan Administrator in a timely fashion, you and your entire family may be entitled to get up to an additional 11 months of COBRA continuation coverage, for a maximum of 29 months. The disability would have to have started at some time before the 60th day of COBRA continuation coverage and must last at least until the end of the 18- month period of COBRA continuation coverage. Second qualifying event extension of 18-month period of continuation coverage If your family experiences another qualifying event during the 18 months of COBRA continuation coverage, the spouse and dependent children in your family can get up to 18 additional months of COBRA continuation coverage, for a maximum of 36 months, if the Plan is properly notified about the second qualifying event. This extension may be available to the spouse and any dependent children getting COBRA continuation coverage if the employee or former employee dies; becomes entitled to Medicare benefits (under Part A, Part B, or both); gets divorced or legally separated; or if the dependent child stops being eligible under the Plan as a dependent child. This extension is only available if the second qualifying event would have caused the spouse or dependent child to lose coverage under the Plan had the first qualifying event not occurred. Are there other coverage options besides COBRA Continuation Coverage? Yes. Instead of enrolling in COBRA continuation coverage, there may be other coverage options for you and your family through the Health Insurance Marketplace, Medicaid, or other group health plan coverage options (such as a spouse’s plan) through what is called a “special enrollment period.” Some of these options may cost less than COBRA continuation coverage. You can learn more about many of these options at www.healthcare.gov . If you have questions Questions concerning your Plan or your COBRA continuation coverage rights should be addressed to the contact or contacts identified below. For more information about your rights under the Employee Retirement Income Security Act (ERISA), including COBRA, the Patient Protection and Affordable Care Act, and other laws affecting group health plans, contact the nearest Regional or District Office of the U.S. Department of Labor’s Employee Benefits Security Administration (EBSA) in your area or visit www.dol.gov/ebsa . (Addresses and phone numbers of Regional and District EBSA Offices are available through EBSA’s website.) For more information about the Marketplace, visit www.HealthCare.gov . Keep your Plan informed of address changes To protect your family’s rights, let the Plan Administrator know about any changes in the addresses of family members. You should also keep a copy, for your records, of any notices you send to the Plan Administrator.
17
New Health Insurance Marketplace Coverage Options and Your Health Coverage
Form Approved OMB No. 1210-0149 (expires 1-31-2017)
PART A: General Information When key parts of the health care law take effect in 2014, there will be a new way to buy health insurance : the Health Insurance Marketplace. To assist you as you evaluate options for you and your family, this notice provides some basic information about the new Marketplace and employment-based health coverage offered by your employer. What is the Health Insurance Marketplace? The Marketplace is designed to help you find health insurance that meets your needs and fits your budget. The Marketplace offers "one-stop shopping" to find and compare private health insurance options. You may also be eligible for a new kind of tax credit that lowers your monthly premium right away. Open enrollment for health insurance coverage through the Marketplace begins in October 2013 for coverage starting as early as January 1, 2014. Can I Save Money on my Health Insurance Premiums in the Marketplace? You may qualify to save money and lower your monthly premium, but only if your employer does not offer coverage, or offers coverage that doesn't meet certain standards. The savings on your premium that you're eligible for depends on your household income. Does Employer Health Coverage Affect Eligibility for Premium Savings through the Marketplace? Yes. If you have an offer of health coverage from your employer that meets certain standards, you will not be eligible for a tax credit through the Marketplace and may wish to enroll in your employer's health plan. However, you may be eligible for a tax credit that lowers your monthly premium, or a reduction in certain cost-sharing if your employer does not offer coverage to you at all or does not offer coverage that meets certain standards. If the cost of a plan from your employer that would cover you (and not any other members of your family) is more than 9.5% of your household income for the year, or if the coverage your employer provides does not meet the "minimum value" standard set by the Affordable Care Act, you may be eligible for a tax credit. 1 Note: If you purchase a health plan through the Marketplace instead of accepting health coverage offered by your employer, then you may lose the employer contribution (if any) to the employer-offered coverage. Also, this employer contribution -as well as your employee contribution to employer-offered coverage- is often excluded from income for Federal and State income tax purposes. Your payments for coverage through the Marketplace are made on an after-tax basis.
How Can I Get More Information? For more information about your coverage offered by your employer, please check your summary plan description or contact:
Christine Upp – 813-637-6900 ext 228
The Marketplace can help you evaluate your coverage options, including your eligibility for coverage through the Marketplace and its cost. Please visit HealthCare.gov for more information, including an online application for health insurance coverage and contact information for a Health Insurance Marketplace in your area.
PART B: Information About Health Coverage Offered by Your Employer This section contains information about any health coverage offered by your employer. If you decide to complete an application for coverage in the Marketplace, you will be asked to provide this information. This information is numbered to correspond to the Marketplace application.
3. Employer Name
4. Employer Identification Number (EIN)
Jagged Peak
91-2007478
5. Employer Address
6. Employer Phone Number
7650 Courtney Campbell Causeway, Suite 1200
813-637-6900
7. City
8. State
9. Zip Code
Tampa
FL
33607
10. Who can we contact about employee health coverage at this job?
Christine Upp
11. Phone Number (if different from above)
12. E-mail address
813-637-6900 ext 228
1 An employer-sponsored health plan meets the "minimum value standard" if the plan's share of the total allowed benefit costs covered by the plan is no less than 60 percent of such costs