January 1, 2016, is the date the Affordable Care Act provision redefining “small group” as 2–100 employees is slated to take effect. Whether or not that reclassification actually happens is a topic hotly debated. Either way, you and your clients can count on Health Net.
California Individual & Family Plans: Tax Season SEP Extended to Off-Exchange Plans
The tax season Special Enrollment Period we told you about in early March has been extended, in California, to off-exchange plans. This means your clients can apply directly through Health Net of California, Inc. or Health Net Life Insurance Company (Health Net). Clients can enroll through April 30, 2015.
The tax season Special Enrollment Period (SEP) is a limited enrollment opportunity for consumers who did not realize there was a tax penalty in 2014 or learned they may face a penalty in 2015. This SEP runs through April 30, 2015.
Many screenings are covered at no cost under the Affordable
Here’s a quick update about preventive services provided at no cost under ACA.
We’re talking about services that can help improve and, in some cases, save lives – services such as blood pressure screenings, mammograms, many types of vaccinations, and many children’s screenings.
Feel free to share this update with your clients!
A total of 16.4 million non-elderly adults have gained health insurance coverage since the Affordable Care Act became law five years ago this month – a “historic” reduction in the number of uninsured, the Department of Health and Human Services said.
Those gaining insurance since 2010 include 2.3 million young adults aged 18 to 26 who were able to remain on their parents’ health insurance plus another 14.1 million adults who obtained coverage through expansions of the Medicaid program, new marketplace coverage and other sources, according to HHS’ report .
Updates and More Selling Opportunities: For California Large Groups
Health Net of California, Inc. and Health Net Life Insurance Company (Health Net) are working to help renew your clients with coverage for 2015. The following updates to our Starting Line-Up (SLU) and Enhanced Choice portfolios will help us maintain compliance with the Affordable Care Act (ACA) and simplify administration.
Western Region Brokers
The state and federally facilitated marketplaces are offering a Special Enrollment Period (SEP) for people who did not know or understand that there is a tax penalty for not having health insurance. In California, the SEP began February 23, 2015, and continues through April 30, 2015. In states like Arizona where the marketplace is federally facilitated, the SEP is March 15, 2015, through April 30, 2015.
All Western Region Brokers: ACA: Minimum Essential Coverage (MEC) Reporting Requirements for Insurers and Health Plans (ACA Section 6055)
Under Section 6055 of the ACA, entities that provide minimum essential coverage, including health plans, insurance carriers and self-insured groups, must
- Report data to the IRS about the coverage for each enrolled individual, including spouses and children using Form 1095-B.
- Issue annual statements to “responsible individuals” (this is usually the subscriber) about their coverage that can be used as documentation for tax purposes.
These final rules largely track the proposed rules issued in February 2014.
All Western Region Brokers
The Departments of Health and Human Services (HHS), Labor (DOL) and Treasury issued final rules in February 2014, which eliminate the requirement for Health Plans to issue certificates of creditable coverage to members who have lost coverage under a group health plan as of December 31, 2014 or later.
In response to the final rule, Health Net’s Membership Department will discontinue issuing HIPAA certificates of creditable coverage to members as of December 31, 2014.
For California Brokers
You may be aware that Covered California™ has reviewed financial information on individuals enrolled through the marketplace to determine if they still qualify for premium assistance in 2015.
Based on this review, some were found to be eligible for a Medi-Cal plan, effective January 1, 2015. These Medi-Cal-eligible individuals were sent letters from Covered California regarding their move from an IFP Covered California plan to a Medi-Cal plan.