2018 Aflac Incorporated Benefits Guide

57 / 77

57
enrollment. You must provide proof of your dependent’s
status as an eligible dependent. The change in your
benefits contributions will begin on the first payroll period
following your election change request.
You will need to enroll your new eligible dependents
before the date that is 31 days after the event by which
they became your eligible dependent (for example, a new
spouse after your marriage or your baby is born).
• Medicaid and CHIP – If you or your eligible dependent
children are eligible for, but not enrolled in, the medical
benefit option and you or your eligible dependent children:
oo Lose coverage under Medicaid or a state child
health plan (“CHIP”) or
oo Become eligible for a premium assistance subsidy
through Medicaid or CHIP,
you and your eligible dependent children may enroll in the medical
benefit option as long as you request enrollment within 60 days
after the loss of coverage or the date you or your eligible
dependent children became eligible for the premium subsidy.
You will need to provide proof of your dependent’s status as an
eligible dependent. Your enrollment will take effect no later than
the date of the loss of coverage or premium assistance subsidy.
The date of the change in your benefits contributions will begin
on the first payroll period following your election change request.
These 31-day and 60-day periods are “special
enrollment periods”.
To request special enrollment or obtain more
information, contact:
Benefits Department
Aflac Incorporated
P. O. Box 5248
Columbus, GA 31906-0248
706-317-0770
IMPORTANT NOTICE ABOUT YOUR
PRESCRIPTION DRUG COVERAGE AND MEDICARE
( for Par t i c ipants and Covered Spouses and Dependents Who Are El igible for Medi care)
Please read this notice carefully and keep it where you can find it.
This notice contains information about your current prescription
drug coverage with the Aflac Employee Health and Welfare
Benefits Plan and prescription drug coverage available for
those on Medicare. This information can help you decide
whether or not you want to join a Medicare drug plan. It also tells
you where to find more information to help you make decisions
about your prescription drug coverage.
There are two important points you need to know about your
current coverage and Medicare’s prescription drug coverage:
1. Medicare prescription drug coverage is available to
everyone on Medicare. You can get this coverage if you
join a Medicare Prescription Drug Plan or join a Medicare
Advantage Plan (such as an HMO or PPO) that offers
prescription drug coverage. All Medicare 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. Aflac has determined that the prescription drug coverage
offered by the Aflac Employee Health and Welfare
Benefits Plan is, on average for all plan participants
eligible for Medicare, expected to pay as much as
standard Medicare prescription drug coverage pays and
is 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.
Read this notice carefully: It explains your options under Medicare
prescription drug coverage and can help you decide whether you
want to enroll.
WHEN CAN YOU JOIN A MEDICARE DRUG PLAN?
• From Oct. 15 to Dec. 7 of each year, you will have the
opportunity to enroll in a Medicare prescription drug plan.
You may also join a Medicare drug plan when you first
become eligible for Medicare.
• If you lose your current creditable prescription drug
coverage through no fault of your own, you will be eligible
for a two-month special enrollment period to join a
Medicare drug plan.
How to Apply for
Aflac Coverage