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The following information applies to all of your Veritas health care plans as indicated below and in the links to the required notices. If you have questions about any of these notices, please create an HR vHelp request.
Summaries of Benefits and Coverage
Under the Affordable Care Act, we are required to provide Summaries of Benefits & Coverage (SBC) that have simple and consistent information about health plan benefits and coverage. The SBCs will help employees better understand the coverage they have and allow them to easily compare different coverage options. It will summarize the key features of the plan or coverage, such as the covered benefits, cost-sharing provisions, and coverage limitations and exceptions.
COBRA Continuation Coverage
In accordance with COBRA regulations, you and/or your eligible dependents have a right to continue your health care coverage in the event you (or your dependents) are no longer eligible for coverage through Veritas Benefits. There are several instances in which COBRA continuation coverage will be available, such as:
COBRA coverage is generally available for 18 months (an additional 18 months is available in certain circumstances). To receive this coverage, you must pay the required premium, which is equal to the amount formerly paid by Veritas and your prior contribution amount, plus up to a 2 percent administration fee.
In the event a COBRA "qualifying event" occurs with regard to your and/or your dependents' coverage, you will receive additional information, including enrollment details.
Note that while Federal COBRA coverage provisions do not consider domestic partners or their children to be eligible dependents, Veritas extends the same continuation opportunities to these individuals.
COBRA Continuation Notice (pdf)
Health Care Reform
The Patient Protection and Affordable Care Act (PPACA), commonly called Obamacare or the Affordable Care Act (ACA), is a United States federal statute that aims to increase the quality and affordability of health insurance, lower the uninsured rate by expanding public and private insurance coverage, and reduce the costs of health care for individuals and the government. It provides a number of mechanisms -- including mandates, subsidies, and insurance exchanges to increase coverage and affordability.
Health Care Reform notice (pdf)
HIPAA Privacy Rights
The Health Insurance Portability and Accountability Act of 1996 (HIPAA) includes provisions that protect the privacy of health plan participants and their Protected Health Information (PHI). These provisions govern how entities such as health insurance companies, plan administrators, medical professionals, and plan sponsors (e.g., Veritas) must handle PHI.
HIPAA requires health plans to notify plan participants and beneficiaries about its policies and practices to protect the confidentiality of health information. Veritas is required by law to periodically provide you with information about the privacy regulations under HIPAA.
Veritas maintains a Notice of Privacy Practices applicable to its self-funded health plans. The Notice provides information to individuals whose PHI will be used or maintained by ERISA.
HIPAA Notice of Privacy Practices (pdf)
Important Notice from Veritas Technologies LLC About Your Prescription Drug Coverage and Medicare
Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with Veritas Technologies, LLC about your options under Medicare’s prescription drug coverage. This information can help you decide whether or not you want to join a Medicare 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.
There are two important things you need to know about your current coverage and Medicare’s prescription drug coverage:
1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage if you join a Medicare Prescription Drug Plan or join a Medicare Advantage Plan (like 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. Veritas Technologies LLC has determined that the prescription drug coverage offered by WellDyne and Kaiser Permanente is, on average for all plan participants, expected to pay out as much as 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.
When Can You Join a Medicare Drug Plan?
What Happens to Your Current Coverage If You Decide to Join a Medicare Drug Plan?
If you do decide to join a Medicare drug plan and drop your current Veritas Technologies, LLC coverage, be aware that you and your dependents will not be able to get this coverage back.
When Will You Pay a Higher Premium (Penalty) To Join a Medicare Drug Plan?
If you go 63 continuous days or longer without creditable prescription drug coverage, your monthly premium may go up by 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…
For More Information About Your Options Under Medicare Prescription Drug Coverage…
For more information about Medicare prescription drug coverage:
Remember: Keep this coverage notice. If you decide to join one of the Medicare drug plans, you may be required to provide a copy of this notice when you join to show whether or not you have maintained creditable or non-creditable coverage and, therefore, whether or not you are required to pay a higher premium (a penalty).
For more information about this notice or your prescription drug coverage, contact:
Veritas Technologies LLC, HR
Newborns' Health Protection Act (NMHPA)
NMHPA was signed into law on September 26, 1998 and includes important protections for mothers and their newborn children with regard to the length of the hospital stay following childbirth. Group health plans and health insurance issuers generally may not, under federal law, restrict benefits for any hospital length of stay in connection with childbirth for the mother or newborn child to less than 48 hours following a vaginal delivery, or less than 96 hours following a cesarean section. However, federal law generally does not prohibit the mother's or newborn's attending provider, after consulting with the mother, from discharging the mother or her newborn earlier than 48 hours (or 96 hours as applicable). In any case, plans and issuers may not, under federal law, require that a provider obtain authorization from the plan or the insurance issuer for prescribing a length of stay not in excess of 48 hours (or 96 hours). If you would like more information on maternity benefits, call your plan administrator.
Notice of Special Enrollment Rights for Medical/Health Coverage
If you decline enrollment in a Veritas medical or health plan for you or your dependents (including your spouse) because of other health insurance coverage, you or your dependents may be able to enroll in a Veritas health plan without waiting for the next open enrollment period if you:
If you request a change due to a special enrollment event within the 31 day timeframe, coverage will be effective the date of birth, adoption or placement for adoption. For all other events, coverage will be effective the first of the month following your request for enrollment. In addition, you may enroll in Veritas' medical plan if you become eligible for a state premium assistance program under Medicaid or CHIP. You must request enrollment within 60 days after you gain eligibility for medical plan coverage. If you request this change, coverage will be effective the first of the month following your request for enrollment. Specific restrictions may apply, depending on federal and state law.
Note: If your dependent becomes eligible for a special enrollment rights, you may add the dependent to your current coverage or change to another health plan.
Premium Assistance Under Medicaid and the Children's Health Insurance Program (CHIP)
If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage from your employer, your state may have a premium assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs. If you or your children aren’t eligible for Medicaid or CHIP, you won’t be eligible for these premium assistance programs but you may be able to buy individual insurance coverage through the Health Insurance Marketplace. For more information, visit www.healthcare.gov.
If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State Medicaid or CHIP office to find out if premium assistance is available.
If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, contact your State Medicaid or CHIP office or dial 1-877-KIDS NOW or www.insurekidsnow.gov to find out how to apply. If you qualify, ask your state if it has a program that might help you pay the premiums for an employer-sponsored plan.
If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your employer must allow you to enroll in your employer plan if you aren’t already enrolled. This is called a “special enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance. If you have questions about enrolling in your employer plan, contact the Department of Labor at www.askebsa.dol.gov or call 1-866-444-EBSA (3272).
If you live in one of the following states, you may be eligible for assistance paying your employer health plan premiums. The following list of states is current as of July 31, 2018. Contact your State for more information on eligibility –
To see if any other states have added a premium assistance program since July 31, 2018, or for more information on special enrollment rights, contact either: