2018 Aflac Incorporated Benefits Guide

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WISCONSIN – Medicaid and CHIP
Website:
Phone: 800-362-3002
WYOMING – Medicaid
Website:
Phone: 307-777-7531
For more information on enrollment rights or to see if a state
has added a premium-assistance program since August 11,
2017, call: U.S. Department of Labor Employee Benefits Security
Administration
866-444-EBSA (3272)
U.S. Department of Health and Human Services Centers for
Medicare and Medicaid Services
877-267-2323, menu option 4, ext. 61565
Important Federal Health Care Reform Notice
GRANDFATHERED HEALTH PLAN
The Aflac Employee Health and Welfare Benefits Plan believes
the PPO Plan Medical Benefit Option is a “grandfathered health
plan” under the Patient Protection and Affordable Care Act
(the “Affordable Care Act”) – commonly referred to as health
care reform. As permitted by the Affordable Care Act, a
grandfathered health plan can preserve certain basic health
coverage that was already in effect when that law was enacted.
Being a grandfathered health plan means that your plan may not
include certain consumer protections of the Affordable Care Act
that apply to other plans; for example, the requirement for the
provision of preventive health services without any cost sharing.
However, grandfathered health plans must comply with certain
other consumer protections in the Affordable Care Act; for
example, the elimination of lifetime limits on benefits.
Questions about which protections apply and which protections
do not apply to a grandfathered health plan and what might
cause a plan to change from grandfathered health plan status can
be directed to the Benefits Department at Aflac Incorporated,
1932 Wynnton Road, Columbus, GA, 31999, 706-317-0770.
You may also contact the Employee Benefits Security
Administration, U.S. Department of Labor at 866-444-3272
or .This website has a table
summarizing which protections do and do not apply to
grandfathered health plans.
NEW HEALTH INSURANCE MARKETPLACE COVERAGE OPTIONS
AND YOUR HEALTH COVERAGE
PART A: Genera l I nformati on
Under the health care law, there is 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 for 2018 is scheduled to begin on Nov. 1, 2017,
and end on Dec. 15, 2017.
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
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.
How to Apply for
Aflac Coverage