{"id":539,"date":"2013-07-02T20:16:06","date_gmt":"2013-07-02T20:16:06","guid":{"rendered":"http:\/\/www.vantagenllc.com\/?p=539"},"modified":"2023-05-09T14:38:57","modified_gmt":"2023-05-09T14:38:57","slug":"employer-exchange-notice-updated-guidance-and-model-notice-now-available-2","status":"publish","type":"post","link":"https:\/\/sitepreviews.org\/bt-vantagen\/539\/employer-exchange-notice-updated-guidance-and-model-notice-now-available-2\/","title":{"rendered":"Employer exchange notice: updated guidance and model notice now available"},"content":{"rendered":"<p>On May 8, the Department of Labor issued Technical Release 2013-02 which included the much-anticipated model notice that employers may use to satisfy the Affordable Care Act (ACA) requirement of informing employees about the Health Insurance Marketplace (formerly known as the Exchanges). In addition, updated guidance was released announcing October 1 as the new deadline for distribution.<\/p>\n<p>With this information in hand, employers can now move forward with customizing the model notice for their employees and determining a distribution method that makes the most sense for their organization.<\/p>\n<h3><strong><br \/>\n<span style=\"text-decoration: underline;\"><span style=\"color: #99cc00; text-decoration: underline;\">Content Requirements<\/span><\/span><\/strong><\/h3>\n<p>While a model notice has been made available, employers <span style=\"text-decoration: underline;\"><strong>are not<\/strong><\/span> required to use it as-is. A \u201cmodified version\u201d of the notice may be developed, but it must include the following, at a minimum, in order to meet the content requirements:<\/p>\n<ul>\n<li>Information about the existence of the new Exchanges;<\/li>\n<li>A description of Exchange services;<\/li>\n<li>Contact information for the Exchanges (i.e. <a title=\"HealthCare.gov\" href=\"www.HealthCare.gov\" target=\"_blank\" rel=\"noopener noreferrer\">www.HealthCare.gov<\/a>);<\/li>\n<li>A statement regarding eligibility for subsidized coverage if the employee purchases a qualified health plan through an Exchange; and<\/li>\n<li>A statement that if an employee buys a qualified health plan through an Exchange, he\/she may lose the employer\u2019s contribution to any health plan offered by the employer and that all or a portion of the employer\u2019s contribution may not be subject to federal income taxes.<\/li>\n<\/ul>\n<p>Additional information may be included at the employer\u2019s discretion, such as:<\/p>\n<ul>\n<li>Employer contact information<\/li>\n<li>Eligibility rules for employees and dependents<\/li>\n<li>An indication of whether or not the employer\u2019s coverage meets the minimum value and affordability standards<\/li>\n<li>The employee cost for the employer\u2019s lowest cost minimum value plan<\/li>\n<li>Any coverage changes for the upcoming plan year <em><em>(if available prior to distribution)<\/em><\/em><\/li>\n<\/ul>\n<p>Interestingly, information that is specific to the employer\u2019s health plan need only reflect the standing of the plan at the time of issuance. Therefore, calendar year plans need not speculate as to what plan changes (if any) will take effect on January 1, assuming the decisions that would influence this content may not be final as of the issue date (see Timing section below).<\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"color: #99cc00; text-decoration: underline;\"><strong>Distribution Requirements<\/strong><\/span><\/h3>\n<h3><strong><span style=\"color: #888888;\">Employers<\/span><\/strong><\/h3>\n<p>Any employer who is subject to the Fair Labor Standards ACT of 1938 is required to distribute the Exchange Notice to its employees. Employers who do not currently offer health care coverage to their employees and\/or are not subject to the Employer Mandate under the ACA <span style=\"text-decoration: underline;\"><strong>are not <\/strong><\/span>exempt from this notification requirement.<\/p>\n<h3><span style=\"color: #888888;\"><br \/>\nEmployees<\/span><\/h3>\n<p><span style=\"text-decoration: underline;\"><strong>ALL<\/strong><\/span> employees must be provided with an Exchange Notice, including employees who are not eligible to enroll in employer-sponsored benefits. A few exceptions do apply. A notice <span style=\"text-decoration: underline;\"><strong>does not<\/strong><\/span> need to be issued to:<\/p>\n<ul>\n<li>Spouses and dependent children covered under an employer\u2019s plan,<\/li>\n<li>COBRA participants, and<\/li>\n<li>Retirees (even if they are enrolled in an employer-sponsored health plan).<\/li>\n<\/ul>\n<h3><span style=\"color: #888888;\"><br \/>\nTiming<\/span><\/h3>\n<p>The notification deadline is based on when an employee was hired (as indicated below).<\/p>\n<p><strong>Employees Hired Prior to October 1, 2013:<\/strong> The Exchange Notice must be provided <strong>no later than<\/strong> October 1, 2013 (i.e. postmarked by October 1).<\/p>\n<p><strong>Employees Hired On or After October 1, 2013:<\/strong>\u00a0 The Exchange Notice must be provided <strong>within 14 days<\/strong> of the employee\u2019s hire date.<\/p>\n<p>The deadline for the initial notification makes it problematic from the standpoint of trying to coordinate it with other mailings and required disclosures. October 1 will likely be too soon for many employers to include the notice within open enrollment materials. Since the Summary of Benefits and Coverage (SBC) must also be delivered in connection with open enrollment, the possibility of coordinating a simultaneous release of the two is very limited.<\/p>\n<h3><span style=\"color: #888888;\"><br \/>\nDelivery<\/span><\/h3>\n<p>When it comes to getting the Exchange Notice into the hands of employees, the updated guidance provides employers with two options: <span style=\"color: #99cc00;\"><strong>1)<\/strong><\/span> First Class Mail and <span style=\"color: #99cc00;\"><strong>2)<\/strong><\/span> Electronic Distribution. You may choose one option for all employees or a combination of both (depending on your employee population). <strong>Please note that electronic distribution is only permissible if the following DOL regulations are satisfied:<\/strong><\/p>\n<ul>\n<li>Access to the electronic delivery system is an integral part of the employees\u2019 work duties.<\/li>\n<li>A statement regarding the importance of the Exchange Notice is provided.<\/li>\n<li>A free paper copy is made available upon request.<\/li>\n<\/ul>\n<p>For these reasons, hard copy issuance on a standalone basis via traditional mail will likely become the de facto standard used by many employers. Moving forward, the issuance will most frequently coincide with methods and materials used to communicate with newly eligible employees.<\/p>\n<h3><span style=\"color: #99cc00;\"><strong><span style=\"text-decoration: underline;\"><br \/>\nAdditional Considerations<\/span><\/strong><\/span><\/h3>\n<h4><span style=\"color: #808080;\">Revised COBRA Election Notice<\/span><\/h4>\n<p>DOL Technical Release 2013-02 also included an updated Model COBRA Election Notice. The revised model notice includes language regarding the Exchanges and potential eligibility for subsidized coverage.<\/p>\n<h4><strong><span style=\"color: #888888;\"><br \/>\nUpdated Template for Summary of Benefits and Coverage (SBC)<\/span><\/strong><\/h4>\n<p>Sections regarding <span style=\"text-decoration: underline;\">minimum essential coverage<\/span> and <span style=\"text-decoration: underline;\">minimum value<\/span> have been added to the (SBC) template. It is important to note that the existing template may continue to be used as long as it is accompanied by a cover letter or similar communication that includes the required minimum essential coverage and minimum value language. All other SBC content and distribution requirements have remained unchanged for the second year of issuance.<\/p>\n<h4><strong><span style=\"color: #888888;\"><br \/>\nLooking Ahead: Code\u00a0Sections 6055\u00a0and 6056 Requirements (2014)<\/span><\/strong><\/h4>\n<p>In 2014, a new information return must be filed by employers subject to Code Section 4980H. This return must provide information about the employer\u2019s plan as well as full-time employees, and will be used by the IRS to administer penalties. As part of these requirements, a written statement must be provided to all full-time employees identified in the report by January 31 of the following year.<\/p>\n<h3><span style=\"text-decoration: underline;\"><strong><span style=\"color: #99cc00; text-decoration: underline;\"><br \/>\n<\/span><\/strong><\/span><span style=\"color: #99cc00; text-decoration: underline;\"><strong>Next Steps<\/strong><\/span><\/h3>\n<p>While the initial notification deadline is still months away, employers should begin taking steps now to determine how they will structure this notice. Also, employers should consider whether or not they will surround the notice with any supplemental communications in an effort to maximize the effectiveness of the messages delivered to employees before the Health Insurance Marketplace goes live. Among the practical considerations include the following:<\/p>\n<p><strong><br \/>\nMake it your own.<\/strong><br \/>\nAs tends to be the case with model notices, which by design are intended for consideration by a multitude of audiences, the released model is riddled with generalities. Most frequently, you\u2019ll see loose statements punctuated by the words \u201cif\u201d and \u201cmay.\u201d Whenever possible, an employer should edit this content into definitive statements that clearly reflect their environment. Doing so will help minimize guesswork among employees.<\/p>\n<p>Also, decide if you will issue different notices to different populations of employees (ineligible vs. eligible, for example). It may cost you more to do so, especially if you mail your statements; however, it may pay off in terms of the overall quality and effectiveness of the message.<\/p>\n<p>The Vantagen Communications Team is ready to assist with helping you \u201cmake it your own.\u201d<\/p>\n<p><strong><br \/>\nDecide on your distribution method.<\/strong><br \/>\nVantagen can support both traditional mail fulfillment and batch email distribution. The initial notification distribution will be priced according to client specifications and billed separately for the costs tied to printing, mailing list preparation, fulfillment, and postage.<\/p>\n<p><strong><br \/>\nPick a date. <\/strong><br \/>\nWork with your Vantagen Account Manager to schedule a preferred release date. For capacity reasons, Vantagen will be staging these releases, especially those scheduled for the second half of September. Therefore, the earlier you reserve a date, the more feasible it will be for us to support it.<\/p>\n<p><strong><br \/>\nAwait future guidance. <\/strong><br \/>\nBecause this is a new notification, additional guidance on the mechanics and content are expected as employers begin to work with the model notice. Future guidance should help clarify any employer confusion or uncertainty and improve the overall effectiveness of the notice.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>On May 8, the Department of Labor issued Technical Release 2013-02 which included the much-anticipated model notice that employers may use to satisfy the Affordable Care Act (ACA) requirement of informing employees about the Health Insurance Marketplace (formerly known as the Exchanges). In addition, updated guidance was released announcing October 1 as the new deadline [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-539","post","type-post","status-publish","format-standard","hentry","category-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Employer exchange notice: updated guidance and model notice now available - Baker Tilly Vantagen<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/sitepreviews.org\/bt-vantagen\/539\/employer-exchange-notice-updated-guidance-and-model-notice-now-available-2\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Employer exchange notice: updated guidance and model notice now available - Baker Tilly Vantagen\" \/>\n<meta property=\"og:description\" content=\"On May 8, the Department of Labor issued Technical Release 2013-02 which included the much-anticipated model notice that employers may use to satisfy the Affordable Care Act (ACA) requirement of informing employees about the Health Insurance Marketplace (formerly known as the Exchanges). 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