MEWA Admin Guide 2023

ADMINISTRATIVE MANUAL

Table of

CONTENTS Contact Information Website Information Enrollment Information Monthly Invoices Enrollee Questionnaires and Forms Summary of Benefits Coverage Guidelines

REGIONAL

Contact

INFORMATION » Sales and Retention Department Company representatives* should contact the Sales and Retention Department to request new enrollment packets and any other issues not listed below.

Phone: 330-363-6390 Fax: 330-454-7845

» Service Center Company representatives and employees should contact Customer Service for questions regarding benefits your plan covers or an outstanding claim. An AultCare Service Representative is available Monday through Friday 7:30 am to 5:00 pm.

Phone: 330-363-6360 or 800-344-8858 TTY: 711 Fax: 330-438-9804 Email: insuredservice@aultcare.com

» Billing Department Company representatives may contact the Billing Department with questions regarding to monthly invoices.

Phone: 330-363-6360 Fax: 330-363-5012

» Member Services/Eligibility Department Company representatives may contact the Member Services/Eligibility Department with enrollment questions.

Phone: 330-363-6360 Fax: 330-363-7746 Email: aultcareeligibility@aultcare.com

» Visit our website at www.aultcare.com *Company representatives are individuals authorized to request information on behalf of the company.

REGIONAL

Canton Regional Chamber Health Fund (MEWA)

WEBSITE EMPLOYER GUIDE

Employer Account

REGISTRATION GUIDE Welcome Welcome to our AultCare family. Whether you are a new client, or have been with us for many years, we are proud to assist you managing your employer account.

We have created an area on www.aultcare.com designed just for you. You can use the online account to retrieve monthly reporting and invoices send us files, view your group’s eligibility, order ID cards, and more.

To get started, you and each authorized representative, must register for a secured, online account. Once you have created an online account, use this document to learn how to retrieve files from your online account.

If you have questions, you can contact your Account Coordinator, Account Executive, or for technical assistance, email the AultCare Web Team at AultConnect@AultCare.com.

Helpful links: • Frequently Asked Questions • Website How to Guides Thank you, Your AultCare Team

CREATING YOUR EMPLOYER LOGIN ON THE AULTCARE WEBSITE

•

Open a web browser and go to www.aultcare.com

•

Click Account Login in the upper right corner and select ‘Employer’ from the drop down menu.

•

Then click on the “Register for a new account” link.

A U L T C A R E

E M P L O Y E R

A C C O U N T

R E G I S T R A T I O N

G U I D E

Select “Employers” as your “Membership Type” and click on the “SIGN UP NOW” button.

•

Select “Employers” as your “Membership Type” and click on the “SIGN UP NOW” button.

4

1. Select “I Agree” to agree with the “Terms of service” outlined on this page.

2. By entering your name next to the “By” textbox, you are signing your signature.

Step # 1

Click onof“CONTINUE” button proceed.

You must agree with our “Terms Service” before youto can create an account with us.

1. Select “I Agree” to agree with the “Terms of service” outlined on this page.

2. By entering your name next to the “By” text-box, you are signing your signature.

Click on “CONTINUE” button to proceed.

A U L T C A R E

E M P L O Y E R

A C C O U N T

R E G I S T R A T I O N

G U I D E

Step # 2

Enter the following information     

Your first name Your middle initial Your last name A phone number where we can reach you The title of your position at your company

Click on “CONTINUE” button to proceed.

Step # 2

Enter the following information

6

•

First Name

•

Middle Initial

•

Last Name

•

A phone number where we can reach you

•

The title of your position at your company

Click on “CONTINUE” button to proceed.

2. Enter the name of the person you know at AultCare; (e.g. Group Click on “CONTINUE” button to proceed.

STEP #3 1.

Enter the 9 digit Tax ID number of your company (without the dash) 2. Enter the name of your company 3. Enter the street address, city and state of your company

Adding Group Numbers 1. Enter the Group Number of your company M P L O Y E R A C C O U N T R E G I S T R A T I O N G U I D E 2. Click “Add” button 3. The Group Number will then appear in a list box he following information: underneath 4.

If you for your accountneed to add more groups, repeat the steps in this section enter a username, the system will tell you if it is already taken or not. If the

is already taken, please choose and enter a different username.

Optional

for your account If you already know someone at AultCare (e.g Account ord that you choose should consist of: Coordinator), you can help us expedite the verification characters process for your employer account by supplying least one uppercase character and one lowercase character the ”optional” information: leastfollowing one number

1. Enter your phone number l address 2. Enter the name the youtoknow at AultCare; (e.g., Group Account Coordinator) er correct email address.

Weof will useperson this email communicate with you.

Click on with “CONTINUE” urity questions answers button to proceed. ect your security questions carefully. We will ask you these questions if you forget name and/or password.

STEP # 4

Entertothe following information: UE” button proceed.

Username for your account When you enter a username, the system will tell you if it is already taken or not. If the username is already taken, 8 please choose and enter a different username.

Password for your account The password you choose should consist of: » 8 characters » At least one uppercase character and one lowercase character » At least one number Your email address Please enter your email address. We will use this email to communicate with you.

Three security questions with answers Please select your security questions carefully. We will ask you these questions if you forget your username and/or password.

Click on “CONTINUE” button to proceed.

9

Step # 5 1.

Reason for requesting access Select your reason(s) for requesting access. You can select more than one reason.

2. SFTP IP Addresses If you will be using secure FTP transfer in addition to our website, please list the IP address(s) that will be used.

3.

Authorization to represent your company Select “I Agree” to state you are an authorized representative of the company you are applying for this account.

Sign your name electronically by entering your name in “By” textbox.

Optional on this page If you need to send us a message or have a question, enter it in the comments box.

Click on the “CONTINUE” button to proceed.

A U L T C A R E

E M P L O Y E R

A C C O U N T

I, John Smith, am an authorized representative of X Company.

R E G I S T R A T I O N

G U I D E

Step # 6

This is the final page of your account registration process. You must agree to the Trading Partner Agreement specified on this page. You can print this agreement by clicking on “Print this agreement.”

From this page: 1.

Select “I Agree” to agree to the “Trading Partner Agreement” outlined on this page.

2. Indicate your approval by entering your name in “By:” textbox.

Click on the “FINISH” button to proceed.

Upon successful completion of your account registration, you will see the following message:

Thank you for the submission of your registration request.

12 You will receive an email advising on the next steps to complete the process.

What to expect next?

•

Upon completion of the registration process, you should receive an email stating the registration process has been completed. (Note: At this time, your account is not active yet)

•

We will review the application and finish with the account setup process.

•

When your account setup has been completed, you will receive an email informing you your account has been set up and is ready for use. (Note: At this time, the process is complete, and you will be able to login to our website) If you have questions, you can contact your group coordinator, or for technical assistance, email the AultCare Web Team at aultconnect@aultcare.com.

Canton Regional Chamber Health Fund (MEWA)

EMPLOYER FILE AND ID CARD RETRIEVAL GUIDE

How to retrieve your monthly files on the AultCare website 1.

Visit www.aultcare.com.

2. Click Account Login on the homepage and select Employer.

3. Enter your username and password. Click Account Login to access your account.

4. You must have an online account to retrieve files. Select Register for new account if you do not have an account.

My Dashboard Once you are logged into your account, your dashboard will appear. All links associated to your account will be displayed.

In the screenshot below, three main areas have been identified.

• Location A lists the last three (3) files AultCare has posted for you. These are on your dashboard so you can easily view these files.

• Location B is a link. This link will take you to your Secure FTP Center. The FTP Center allows you to download all files AultCare uploaded to your account. This is where you can upload files to AultCare.

• Location C is a link similar to Area B. It will take you to the same place and files as Location B.

Secure FTP Center When you click on the Files link from your dashboard (Location C in the example) you will be directed to the Secure FTP Center (see image below). You will see two links: Files for you and Files from you.

VIEWING YOUR FILES Files for you This link will show all of the files AultCare uploaded to your account. Retrieve your files by clicking on this link. The number displayed is the number of available files.

UPLOADING FILES TO SEND TO AULTCARE Files from you This link will take you to a page where you can upload files to AultCare.

Downloading a File Step #1 Click on the text labeled Download files that have been posted for you.

Step #2 When you click the link, a dropdown list will appear. From the list, select the group name to view files. (Based on your authorization, only those particular group names will be displayed.)

Step #3 For employers who have more than one AultCare account, select the appropriate account from the drop down box.

Step #4 Once you see a list of files, click on the Download link to view/download it on your computer.

Uploading a File 1.

Click the link labeled Click here to upload files.

An example of the upload center is shown to the right.

2.

3.

4.

5.

Select the group number associated with your file upload.

Select the specific file type.

Browse for the file you want to upload on your computer.

Select Upload.

Previously Uploaded Files You can also see files previously uploaded.

If you have questions, contact your group coordinator, or for technical assistance, email the AultCare Web Team at AultConnect@AultCare.com.

Member ID Cards on the Employer Portal Step #1 Log in to your employer secured account and select Eligibility.

Step #2 Click Search to view a list of active members.

Step #3 Select a name to view the member’s ID card.

Step #4 To view a copy of the member ID card, select this link: Member Card click here.

:

www.aultcare.com Member

Medical Plan

Employer:

Effective:

Group #: Member: Member ID:

PCP Co-Pay $ Specialist Co-Pay $ In-Network Ded Ind/Family $ Out-of-Network Ded Ind/Family $ In-Network OOP Ind/Family $ Out-of-Network OOP Ind/Family $

Pharmacy Plan Rx Claims: Rx Bin: Rx PCN: Rx Group: Issuer: For Pharmacy Help Desk 888-219-3164

Claims Submission

Customer Service/Eligibility

Mail: AultCare P.O. Box 6910 Canton, OH 44706

This card is not a guarantee of coverage. For verification and coverage details call 330-363-6360 or 1-800-344-8858 weekdays, 7:30 AM to 5:00 PM. Hearing Impaired: Call 711

da

PRECERTIFICATION is required for all elective admissions and within two working days following an emergency admission. For preadmission certification, call Utilization Management at 330-363-6397 or 1-800-344-8858 weekdays, 8:30 AM to 5:00 PM. Benefits may be reduced if this does not occur.

Enrollment

INFORMATION » Cancellation/Continuation Notification

All employee changes, additions, and deletions are to be submitted on a Cancellation/Continuation Notification Form. Please be sure your company’s name and group number on each sheet. Refer to the Transaction Codes listed at the bottom of the form and include an Enrollment Application/Change Form (see explanation below) when indicated.

» Enrollment Application/Change Form Whenever an addition or change is made on the Cancellation/Continuation Notification Form, it is also necessary to have the employee complete an Enrollment Application/Change Form. Be sure to have all new employees and those employees requesting a change in their coverage complete the entire form unless otherwise instructed to prevent delays. If an employee and/or dependent was covered by a prior health plan, attach a Creditable Coverage Letter provided by the former carrier. If this information is not provided, AultCare will not be able to credit the system for the amount of time they were insured.

If you have any questions, please contact the AultCare Customer Service.

Once completed, these forms may be mailed to: AultCare Eligibility Department PO Box 6910 Canton, OH 44706 Forms may also be faxed directly to our Eligibility Department at 330-363-7746. Forms may also be emailed to aultcareeligibility@aultcare.com. All changes must be received by the 10th of the month to be reflected on your next bill.

» MEWA Fact Sheet » HIPAA Disclosure Form/Notice of Privacy Practice /Member Guide Letter

The attached enclosures must be given to any potential AultCare enrollee in addition to the Group Employee Application so the person understands portability and creditable coverage.

» Getting the Most From Your Health Plan

The following info rmation is provided to explai n the process of enrolling and te rminating employees and/or dependents.

Please complete an d return the Membership Repo rt and Group Employee Applicat ion to ensure timely enrollment of newly eligible employee s.

Cancellation/Continuation Notification Today’s Date:

Employer:

Group Numbers: EFFECTIVE DATE OF TRANSACTION

LAST,

EMPLOYEE NAME FIRST,

ID NUMBER

M.

Completed By:

COVERAGE TYPE TRANS. M-Medical, D-Dental, CODE V-Vision

COMMENTS

Please indicate all cancellations on this report. Do not make changes on the monthly premium statement. Utilize transaction codes for each change. Include enrollment form where indicated and provide within 31 days of event. *Signed enrollment forms must include spouse’s signature when applicable.

TRANSACTION CODES Cancellation of Coverage: A. Cancellation – Left Employment/Termination (Include in Comments section Termination Date & if Voluntary, Involuntary or due to Gross Misconduct) B. Cancellation – Deceased (Specify Date of Death in Comments section) C. Cancellation – Layoff (Include in Comments section the Date of Layoff & if Voluntary or Involuntary) D. Cancellation - Waiving (Specify in Comments if waiving coverage, include Enrollment Form with waiver section signed*.)

E. Cancellation – Reduction in hours: no longer meets minimum eligibility requirements

Continuation of Coverage: F. COBRA Coverage Elected (Include Expiration Date, Copy of signed election form & proof of first payment) G. State Continuation of Coverage (For employers under 20 – please indicate expiration date of State Continuation of Coverage in the Comments section. Please include a signed Continuation of Coverage Election Form.)

Other: H. Other (Include detailed explanation)

I understand AultCare is relying on my answers to the above questions to ensure overall compliance for my group health plan. I certify the answers are true to the best of my knowledge and belief. I also understand I am responsible for promptly notifying AultCare if any information changes.

Please submit this form to AultCare by one of the following methods: Email: aultcareeligibility@aultcare.com | Fax: 330-363-7746 | Mail: AultCare Member Services PO Box 6910 Canton, OH 44706

Please contact Customer Service with any questions: 330-363-6360

7121/21

Enrollment Application/Change Form without Medical Questions AULTCARE USE ONLY Date Completed

EMPLOYER USE ONLY Employer Group Numbers Leased Network AultCare Yes No Effective Date

Employer Name Employee Location/ Job Classification

Completed By

Card Sent

A) NEW POLICY APPLICATION  New Group  New Hire  Open Enrollment  Waiving Coverage

ADDITIONAL COVERAGE FOR DEPENDENTS

EMPLOYEE COVERAGE ELECTION

You Only You & Your Spouse You & Your Child(ren) You, Your Spouse & Your Child(ren)

Date of Qualifying Event (Qualified enrollment must be made within 31 days of event)

Qualifying Event — Explain: B) EMPLOYEE INFORMATION

Last Name

First Name

Gender Male Female Home Address (Number & Street) Preferred Phone Number

Date of Birth

Social Security Number County Email Address

Middle Initial

City State Primary Care Physician Name (HMO Only)

Suffix

Zip Code

Marital Status  Married — Date of Marriage Single Widowed Divorced Separated Employment Currently on Hire Hours Worked Are you currently actively at work?

Status Full Time Part-Time Retired COBRA Date Per Week Yes No If not, why?

Coverage Type(s) Requested: Plan Requested: Check All that Apply Medical Dental Rx Vision STD Life Flex HSA HRA Plan Name A(dd), Relationship to C(hange), Enrollee D(elete)

First Name

M.I.

Last Name (If different from employee)

Social Security Number

Benefits Gender Other Insurance Selected Date of Birth (M or F) Coverage? (Y/N) (M,D,V,R)

M - Medical D - Dental V - Vision R - Prescription

Enrollment Application/Change Form without Medical Questions AULTCARE USE ONLY Date Completed

EMPLOYER USE ONLY Employer Group Numbers Leased Network AultCare Yes No Effective Date

Employer Name Employee Location/ Job Classification

Completed By

Card Sent

A) NEW POLICY APPLICATION  New Group  New Hire  Open Enrollment  Waiving Coverage

ADDITIONAL COVERAGE FOR DEPENDENTS

EMPLOYEE COVERAGE ELECTION

You Only You & Your Spouse You & Your Child(ren) You, Your Spouse & Your Child(ren)

Date of Qualifying Event (Qualified enrollment must be made within 31 days of event)

Qualifying Event — Explain: B) EMPLOYEE INFORMATION

Last Name

First Name

Gender Male Female Home Address (Number & Street) Preferred Phone Number

Date of Birth

Social Security Number County Email Address

Middle Initial

City State Primary Care Physician Name (HMO Only)

Suffix

Zip Code

Marital Status  Married — Date of Marriage Single Widowed Divorced Separated Employment Currently on Hire Hours Worked Are you currently actively at work?

Status Full Time Part-Time Retired COBRA Date Per Week Yes No If not, why?

Coverage Type(s) Requested: Plan Requested: Check All that Apply Medical Dental Rx Vision STD Life Flex HSA HRA Plan Name A(dd), Relationship to C(hange), Enrollee D(elete)

First Name

M.I.

Last Name (If different from employee)

Social Security Number

Benefits Gender Other Insurance Selected Date of Birth (M or F) Coverage? (Y/N) (M,D,V,R)

M - Medical D - Dental V - Vision R - Prescription 7352/21

OTHER COVERAGE INFORMATION

Do you or your spouse or any enrolled dependents have Medicare coverage?

OTHER INFORMATION

Upon your effective date with this plan, will you or any of your family members have other health insurance?  YES  NO

MEDICARE INFORMATION

IMPORTANT INFORMATION

If yes, what is the name of the other insurance company?

If yes, what type(s) of other health insurance will you have? Check all that apply

 Medical

 Dental

 YES  NO

Medicare Enrollee Name

Medicare ID Number

Do you have Medicare Part D coverage?  YES  NO

If yes, what is the effective date of your coverage?

 Rx

 Vision

If yes, please provide information below.

Hospital Effective Date (Part A)

Medical Effective Date (Part B)

Do you, or any of your dependents, have any cultural or linguistic needs?  YES  NO If yes, what are they?

RELEASE OF INFORMATION/PLEASE READ CAREFULLY I am applying for group health coverage through AultCare Insurance Company and its related entities (“AultCare”). I acknowledge the coverage for which I am applying is subject to eligibility requirements and the terms of the policy. I acknowledge that I have read and understood all of the information contained within this document. Additionally, I acknowledge that all information that I have entered in this application, to the best of my knowledge, is complete, true, and accurate. I understand that any attempt to mislead or defraud AultCare is considered insurance fraud.

INSURANCE FRAUD WARNING: Any person who, with intent to defraud or knowing that he or she is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

I acknowledge that AultCare may use and disclose my protected health information, as well as, the protected health information of my family for payment, treatment, and operations.

This information may be disclosed to other insurance companies, third party administrators, state and federal agencies, health care providers and other organizations and persons that perform professional, business, or insurance functions for AultCare, as permitted by state and federal law.

The information may be used for, but not limited to, processing enrollment applications, risk classifications, detecting or preventing fraud, internal and external audits, claims administration, case management, quality improvement programs, public health reporting, law enforcement investigations, coordination of benefits, medical management programs, and subrogation.

7352/21

All Employees I have read all of the statements contained in this application and declare that by signing this application the information I have provided is true and complete to the best of my knowledge. Electronic Signature Disclaimer: Please be advised that AultCare will not deny the enforceability or effect of an electronic signature solely because it is in an electronic format. Any valid signature provided in this section shall have the same legal effect and enforceability as a manually executed signature. I authorize deduction from my wages, as necessary, for any required premium for the coverage for which I have applied.

Signature

Date

Employees Waiving Coverage I have read all of the statements contained in this application and declare by signing that the information I have provided is true and complete to the best of my knowledge.

I understand that I am eligible to apply for coverage through my employer. And I acknowledge that, subject to the terms and conditions of the policy, by waiving coverage at this time, I may not be able to enroll myself or my family again until the next annual enrollment period or a special enrollment period. I hereby decline coverage for (check all that apply):  Myself  Spouse  Child(ren) Reason for waiver of coverage: Signature

Spouse Signature

Date

Per the 2015 FTC TCPA, AultCare or a vendor of AultCare, may contact you for demographic, satisfaction, and/or medical care management information in accordance with its obligation under Federal Law.

Please submit this form to AultCare by one of the following methods: Email: aultcareeligibility@aultcare.com | Fax: 330-363-7746 | Mail: AultCare Member Services PO Box 6910 Canton, OH 44706 7352/21

Cancellation/Continuation Notification Today’s Date: Employer: Group Numbers: Completed By: EFFECTIVE DATE OF TRANSACTION

LAST,

EMPLOYEE NAME FIRST,

M.

COVERAGE TYPE TRANS. ID NUMBER M-Medical, D-Dental, CODE V-Vision

COMMENTS

Please indicate all cancellations on this report. Do not make changes on the monthly premium statement. Utilize transaction codes for each change. Include enrollment form where indicated and provide within 31 days of event. *Signed enrollment forms must include spouse’s signature when applicable.

TRANSACTION CODES Cancellation of Coverage: A. Cancellation – Left Employment/Termination (Include in Comments section Termination Date & if Voluntary, Involuntary or due to Gross Misconduct) B. Cancellation – Deceased (Specify Date of Death in Comments section) C. Cancellation – Layoff (Include in Comments section the Date of Layoff & if Voluntary or Involuntary) D. Cancellation - Waiving (Specify in Comments if waiving coverage, include Enrollment Form with waiver section signed*.)

E. Cancellation – Reduction in hours: no longer meets minimum eligibility requirements

Continuation of Coverage: F. COBRA Coverage Elected (Include Expiration Date, Copy of signed election form & proof of first payment) G. State Continuation of Coverage (For employers under 20 – please indicate expiration date of State Continuation of Coverage in the Comments section. Please include a signed Continuation of Coverage Election Form.)

Other: H. Other (Include detailed explanation)

I understand AultCare is relying on my answers to the above questions to ensure overall compliance for my group health plan. I certify the answers are true to the best of my knowledge and belief. I also understand I am responsible for promptly notifying AultCare if any information changes.

Please submit this form to AultCare by one of the following methods: Email: aultcareeligibility@aultcare.com | Fax: 330-363-7746 | Mail: AultCare Member Services PO Box 6910 Canton, OH 44706 7121/21

Please contact Customer Service with any questions: 330-363-6360

Guide for Completing the Enrollment Application/Change Form Please complete this form in its entirety.

EMPLOYER USE ONLY This section is to be completed by the employer representative.

Employer Group Numbers Leased Network List all AultCare group numbers that apply. (Medical, Designate if the employee is accessing an out-of-area Dental, Vision) network. (Cigna, First Health Network, etc.)

Employee Location/Job Classification AultCare Effective Date Use this section to designate an employee classification, Provide the date the coverage is set to begin. if needed. These designations should be set-up as rate codes during the implementation of your plan.

(Example: hourly vs. salary; executive or management; physical plant location.)

OTHER COVERAGE INFORMATION This section is to be completed by the employee if any covered persons have other health insurance coverage.

EMPLOYEE COVERAGE ELECTION This section is to be completed by the employee.

All Employees Signature______________ Date __________ Employee must sign and date when electing coverage.

Employees Waiving Coverage Reason for waiver of coverage: ______________ Employee and spouse must provide reason for waiving coverage.

Signature______________ Date __________ Employee and spouse must sign if either are waiving coverage.

Please submit this form to AultCare by one of the following methods: Email: aultcareeligibility@aultcare.com | Fax: 330-363-7746 | Mail: AultCare Member Services PO Box 6910 Canton, OH 44706 Employer to send completed form to AultCare by one of the following methods.

A) NEW POLICY APPLICATION  New Group  New Hire  Open Enrollment  Waiving Coverage Designate the reason for applying for coverage or if coverage is being waived. If waiving coverage, a signature is required on the back of this form. Qualifying Event — Explain: If applying for coverage for a qualifying event, please provide a detailed explanation. (For example: spouse lost coverage, marriage, birth, adoption.)

Hire Date If the original hire date is not available, please provide the month and year.

Coverage Type(s) Requested: Check All that Apply Medical Dental Rx Vision STD Life Flex HSA HRA Be sure to check all benefit options being elected.

Plan Requested: Plan Name Use this section to designate the employee’s plan election. (Example: PPO, HDHP or OPT 1, OPT 2, etc.)

ADDITIONAL COVERAGE FOR DEPENDENTS This section is to be completed by the employee.

A(dd), C(hange), D(elete) Please provide the reason code for enrolling or disenrolling dependents.

Social Security Number SSN are required for all dependents with coverage.

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Benefits Selected (M,D,V,R) List all that apply.

Other Insurance Coverage? (Y/N) If yes, please complete the other coverage information on the back of this form.

MEDICARE INFORMATION This section is to be completed by the employee if any covered persons are enrolled in Medicare.

OTHER INFORMATION This section is to be completed by the employee to designate any specified needs.

MEWA

FACT SHEET » If we do not receive the completed annual MEWA attestation by the date indicated, your group may be placed on hold. Once placed on hold, claims will not be paid, and prescription benefits will be suspended until the MEWA attestation is received. Open enrollment is the month immediately prior to your renewal date.

» Member coverage ends on the date of termination. » If you have an employee who becomes effective on the first day of the month, you will be invoiced for the entire month. If they become effective after the first of the month, you will not be charged until the following month.

» If an employee terminates after the first of the month, you will be charged for the entire month. » COBRA vs. State Continuation •

COBRA is for companies with 20 or more employees on at least half of the previous calendar year. AultCare to administer.

•

State Continuation is for companies with fewer than 20 employees. Must be involuntary termination other than gross misconduct. Employer to handle.

(See attached model audit form.)

» Set-up your account on the AultCare website to retrieve your monthly invoices and to access other important information. Refer to the Administrative Guide for instructions.

» VSP Vision coverage is included with your MEWA plan. Please review benefits and coverage options on VSP’s website: www.VSP.com.

REGIONAL

REGIONAL

Various state and federal laws have requirements based on employee counts. When counting Administered by employees, it’s important to conduct a related employer analysis.

REGIONAL Various state and federal laws have requirements EMPLOYEE COUNT ANALYSIS based on employee counts. When counting Administered by employees, it’s important to conduct a related employer analysis.

The information detailed below does not constitute legal advice and is intended only for informational purposes.

Please reach out to your benefits counsel to discuss your individual circumstances.

EMPLOYEE COUNT ANALYSIS

RELATED EMPLOYER ANALYSIS requires counting all employees of all members of the employers in a The information detailed below does not constitute legal advice and is intended only for informational purposes. controlled group companies or affiliated service groupyour to determine employee count. Below is a summary of Please reachofout to your benefits counsel to discuss individual circumstances. those groups.

•

RELATED EMPLOYER ANALYSIS requires counting all employees of all members of the employers in a A controlled group may exist when two or more companies have any of the following: controlled group of companies or affiliated service group to determine employee count. Below is a summary of those groups.

- A Parent-Subsidiary Relationship: Exists when one or more chains of organizations are connected through ownership of a common parent company and 80% or more of the voting power or total value of each member group is owned another of the group, except for of thethe common parent • of A the controlled group mayby exist whenmember two or more companies have any following: - A Brother-Sister Relationship: Exists when leastone 50% thechains votingof power or total value of two orthrough more - A Parent-Subsidiary Relationship: Existsat when orof more organizations are connected organizations is of owned by theparent samecompany 5 or fewer persons into only the ownership eachmember such ownership a common and 80% ortaking more of theaccount voting power or total value ofofeach of the group byfor another of the group, except for the common parent organization that is owned identical each member other organization - A Brother-Sister Relationship: of the voting or total of that two or - A Combination Relationship: ExistsExists whenwhen two at or least more50% organizations arepower members of avalue group hasmore organizations is which ownedincludes by the same or fewer persons taking into account only the ownership of each such common ownership both5parent-subsidiary relationships and brother-sister relationships, organization that organizations is identical for are eachconsidered other organization in which case all such the same controlled group of business

•

- A Combination Relationship: Exists when two or more organizations are members of a group that has An affiliated service group may exist when two or more organizations have a service relationship and/or common ownership which includes both parent-subsidiary relationships and brother-sister relationships, ownershipinrelationship with one another as satisfied by 1 of 3 tests Test; B-Org Test; or Management which case all such organizations are considered the same (A-Org controlled group of business Group Test)

• An affiliated service group may exist when two or more organizations have a service relationship and/or More information Controlled Groups be found the following IRS ownershipabout relationship with and one Affiliated another asService satisfied by 1 ofcan 3 tests (A-OrginTest; B-Org Test; orpublication: Management https://www.irs.gov/pub/irs-tege/epchd704.pdf Group Test)

More information about Controlled and Affiliated Service Groups can be found in the following IRS publication:

CONSOLIDATED OMNIBUS BUDGET RECONCILIATION ACT (COBRA) ANALYSIS https://www.irs.gov/pub/irs-tege/epchd704.pdf COBRA generally applies to allOMNIBUS private sector group health plans as well as plans sponsored state and local CONSOLIDATED BUDGET RECONCILIATION ACTby (COBRA) ANALYSIS governments. To be subject to COBRA, employers need to have at least 20 employees on more than 50% of their typical business days in the previous calendar year. When counting employees for COBRA purposes, both full- and COBRA generallyare applies to alltaking privateinto sector group health plans as well as plans sponsored by state andpart-time local part-time employees counted, consideration the above Related Employer Analysis.

Each governments. subject COBRA, employers have atshould least 20 on number more than their employee counts asToa be fraction ofto a full-time employee.need The to fraction beemployees equal to the of 50% hoursofworked typical business days in the previous calendar year.

When counting employees for COBRA purposes, both fulland divided by the number of hours required to be considered full-time. (For example, a company requires a full-time part-time employees are counted, taking into consideration the above Related Employer Analysis.

Each part-time employee work 40 hours a week. A part-time employee who works 20 hours a week is considered ½ of a full-time employee counts as a fraction of a full-time employee. The fraction should be equal to the number of hours worked employee.) If you have fewer than 20 employees, you may be subject to state continuation of coverage requirements divided by the number of hours required to be considered full-time. (For example, a company requires a full-time under ORC 3923.38 depending on whether your group health plan is subject to state regulation. These plans typically employee work 40 hours a week. A part-time employee who works 20 hours a week is considered ½ of a full-time include Insured, MEWA plans, and self-funded public employers. employee.) If you have fewer than 20 employees, you may be subject to state continuation of coverage requirements under ORC 3923.38 on whether your group health plan is subject to state regulation. These plans typically For more information, visitdepending https://www.dol.gov/sites/dolgov/files/EBSA/about-ebsa/our-activities/resource-center/ include Insured, MEWA plans, and self-funded public employers. publications/an-employers-guide-to-group-health-continuation-coverage-under-cobra.pdf For more information, visit https://www.dol.gov/sites/dolgov/files/EBSA/about-ebsa/our-activities/resource-center/ publications/an-employers-guide-to-group-health-continuation-coverage-under-cobra.pdf REGIONAL

7060/20

7060/20

Complete this form to update Group Size and Eligibility changes. Changes will become effective on your renewal.

Form is to be completed no later than 15 days days prior to renewal date.

Canton Regional Chamber Health Fund Renewal Attestation GENERAL INFORMATION Company Name: Current Group Number:

Current Plan Design(s):

Are you a Public Employer:  Yes  No If yes, please check one of the options below:  The Broker has not been retained as a consultant by the Public Employer for the purchase of insurance for the Public Employer  The Broker has been retained as a consultant by the Public Employer for the purchase of insurance for the Public Employer and is not authorized to receive commissions or other forms of compensations without the prior written consent of the Public Employer GROUP SIZE INFORMATION 1. Is your company a part of an affiliated service group or controlled group?  YES  NO (Refer to the Employee Count Analysis Fact Sheet) If yes, please list the other Related Employer names b. If yes, please consider that fact when answering the remaining questions in this section.

2. Provide the following current employee counts: Full-time:

Part-time:

Average number of seasonal and temporary employees for current year:

Other (Briefly describe): Total number of employees: 3. To determine the appropriate continuation of coverage (COBRA v State Continuation), provide the following counts for 50% of the typical business days in the previous calendar year: Full-time:

Part-time (Each is counted as a fraction of a full-time employee):

(Refer to the Employee Count Analysis Fact Sheet)

Total number of employees: ELIGIBILITY INFORMATION Waiting Period – New hires on or after renewal date will be eligible to participate in plan on: (Eligible employees are those working 30 hours or more per week)  Keep existing waiting period  Change in the waiting period If a change, complete below:  1st of the month following date of hire  30 days-coverage effective on 31st day  90 days-coverage effective on 91st day

 1st of the month following 30 days  45 days-coverage effective on 46th day  Date of hire

 1st of the month following 60 days  Contract start date

ACKNOWLEDGMENTS AND SIGNATURES I hereby certify that the information provided herein, relative to this application and agreement form, is true and complete to the best of my knowledge. I understand that all terms of the group insurance coverage are governed by the terms of the group insurance policy(ies). I understand that it is the employer’s responsibility to notify all covered employees of any change or termination in coverage. I understand that Workers’ Compensation coverage is not a policy benefit under any of the plans in the application. I also understand that the Group Health Insurance Policy is not a substitute for Workers’ Compensation and does not satisfy any legal requirement for such coverage. Any person who with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

NOTE: FALSE INFORMATION MAY RESULT IN THE FULL OR PARTIAL DENIAL OF A CLAIM AND/OR THE IMMEDIATE CANCELLATION OF COVERAGE FOR THE GROUP. By:

(Signature of Authorized Company Representative) (Title)

Witness: 2021 – CRCCHFATT – 9/20

Date: Date: 7044/20

Ohio’s Statutory Requirements Regarding » Continuation of Employee Health Care Coverage « Ohio’s law provides that an employee has a right to continue coverage under his or her employer’s group health plan upon involuntary termination of employment if certain requirements are met. All employer groups should be knowledgeable about Ohio’s continuation insurance laws; employers with fewer than 20 employees must be particularly aware of the requirements. For those employers, Ohio’s continuation coverage is the only continuation coverage available to their employees.

An employee is eligible for continuation of coverage if he or she satisfies all of the following requirements: •

Employee must have been continuously covered under the employer’s group health plan during the entire three months preceding his or her termination.

•

Employee must have been involuntarily terminated for reasons other than gross misconduct.

•

Employee is not eligible for or enrolled in Medicare or other group health coverage or COBRA.

If an employee satisfies these requirements, then the employer must offer that employee the right to continue coverage under its group health plan (even after the employee loses eligibility as a member of that group). The employer must inform the employee of his or her contribution amount in advance.

Important Notes: •

Coverage is only available for a maximum of twelve months.

•

Coverage is not required to include benefits in addition to the hospital, surgical or major medical coverage, and prescription drug coverage if covered under the group policy.

However, it may include dental, vision, or other benefits under the health plan.

•

Payment is due from the employee to the employer in advance of each month of continuation coverage.

•

Continuation coverage ceases if the employee fails to make timely premium payments. There is no grace period.

•

Coverage ceases if the employee becomes eligible for or is covered under Medicare or any other group health plan.

This information is only intended to highlight the major requirements for the right to receive continuation of coverage and is not intended to offer legal guidance or advice regarding how an employer can comply with Ohio’s laws. There are many other significant requirements relating to continuation insurance not covered in this notice.

Employers are advised to consult with their tax professionals and attorneys to ensure compliance with these state laws. Employers may also call the Ohio Department of Insurance at 614-644-2658 or visit www.insurance.ohio.gov for additional information.

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Ohio » State Continuation Guidelines «

Qualifying Event Termination of Employment

Eligibility Requirement

(Must Meet All)

1) Covered by group health plan at least three months prior to termination;

Eligible Beneficiary Employee Spouse Dependent Child(ren)

Maximum Coverage Time 12 Months

2) Involuntary termination other than gross misconduct

Notice Requirements

Election

Coverage Ceases When

1) Employer must notify Employee of right of continuation at time Employee is notified of termination

Employee must request continuation coverage and pay the first contribution to the Employer by the earliest of the following dates:

1) Premium payments are not made on a timely basis.

NOTE: Payment can be made by parties other than the Employee.

2) Employer must notify Insurer of Employee’s continuation of coverage.

1) 31 days after date Employee’s coverage terminates

2) Group policy is terminated by the Employer.

2) 10 days after date Employee’s coverage terminates, if Employer has notified Employee of right to continuation prior to that date

3) Period of 12 months expires after date Employee’s coverage would have terminated because of termination of employment.

3) 10 days after date Employer notifies Employee of right to continuation if notice is given after Employee’s coverage terminates

4) Employee becomes eligible for or covered by Medicare or any group health plan.

Eligible person files a written election of continuation with the Employer and pays the first required contribution no later than 31 days after the date on which the coverage would otherwise terminate.

1) Premium payments are not made on a timely basis.

NOTE: Payment may be made by parties other than the enrollee.

3) Not eligible for or enrolled in Medicare or other group health coverage.

Reservist called or ordered to active duty

1) Employee is a reservist called or ordered to active duty; and 2) Policy in effect covers eligible person at time of active duty.

Employee Spouse Dependent Child(ren)

18 months after date coverage would otherwise terminate with an option to extend to 36 months.

At the time reservist is called to duty, Employer notifies Employee about continuation.

2) Group policy is terminated by the Employer.

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Notice of HIPAA Special

ENROLLMENT RIGHTS » Special Enrollment Provision Loss of Other Coverage. If you decline enrollment for yourself or for another eligible dependent (including your spouse) while other health insurance or group health plan coverage is in effect, you may be able to enroll yourself and your dependents in this plan if you or your dependents lose eligibility for that other coverage (or if the employer stops contributing toward your or your dependent’s other coverage). However, you must request enrollment within 30 days after you or your dependents’ other coverage ends or after the employer stops contributing toward the other coverage.

We would like to take this opportunity to advise you of an important provision in your healthcare plan.

To participate, you must complete an enrollment form. Dependent upon which specific plan you wish to enroll in, you may have to pay part of the premium through payroll deduction.

Additionally, HIPAA requires that we notify you of the “Special Enrollment Provision.”

In addition, if you have a new dependent because of marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your new dependents. However, you must request enrollment within 30 days after the marriage, birth, adoption, or placement for adoption.

To request special enrollment or to obtain more information about the plan’s special enrollment provisions, contact your Human Resources representative or the AultCare Customer Service at 330-363-6360 or 1-800-344-8858.

» Procedures for Requesting Certificate of Health Plan Coverage HIPAA requires that plan sponsors and/or insurers provide a Certificate of Health Plan Coverage (HIPAA Certificate) to each individual who requests one, as long as it is requested while the individual is covered under the AultCare Health Plan or within 24 months of the individual’s AultCare Health Plan ending. The request also can be made on someone else’s behalf for an individual. For example, an individual who previously was covered under the AultCare Health Plan may authorize a new plan in which the individual enrolls to request a certificate of the individual’s health plan coverage from the AultCare Health Plan. An individual is entitled to receive a certificate upon request even if the AultCare Health Plan has previously issued a certificate to that individual.

Requests for certificates should be directed to AultCare Corporation, Attn: Member Services, P.O. Box 6910, Canton, OH 44706 or by calling the AultCare Customer Service at 330-363-6360 or 1-800-344-8858.

Telephone requests are accepted only if the certificate is to be mailed to the address the plan has on file for the individual to whom the request relates. Other requests must be made in writing.

All requests must include: • The name of the individual for whom the certificate is requested • AultCare Group Number and Identification Number • The last date the individual was covered under the plan • The name of the person who enrolled the individual in the plan • A telephone number to reach the individual for whom the Certificate is requested Required written requests must also include: • The name of the person making the request and evidence of the person’s authority to request and receive the certificate on behalf of the individual • The address to which the certificate should be mailed • The requester’s signature After receiving a request that meets these requirements, the plan will act in a reasonable and prompt fashion to provide the Certificate.

NOTE: A pre-existing condition exclusion does not apply to enrollees of any AultCare plans that have renewed effective January 1, 2014, and after.

The Certificate of Health Plan Coverage can be used as proof of loss of coverage.

2016-HIPAA & LCC

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Notice of Privacy Practices

AULTCARE INSURANCE COMPANY

This notice describes how protected health information about you may be used and disclosed and how you can get access to this information.

Please review it carefully.

AultCare Insurance Company (also dba AultCare HMO, dba PrimeTime Health Plan, and Aultra), which is part of an Organized Health Care Arrangement with AultCare Corporation and Aultra Administrative Group (collectively referred to as “AultCare,” “We,” or “Our”) is a Group Health Plan Covered Entity under HIPAA. AultCare is committed to safeguarding the Privacy and Security of Protected Health Information of its enrollees and their eligible dependants (referred to as “You”) whether it is oral, paper or in electronic form (“PHI/ePHI”).

This Notice of Privacy Practices (NPP) describes our HIPAA-compliant policies and procedures for the Use and Disclosure of your PHI/ePHI. It also describes how you can access your PHI/ePHI and your legal rights.

This NPP is available on our website www.aultcare.com. If you do not have a computer or internet access, or if you prefer a paper copy of this Notice, please call Customer Service at 330-363-6360 or 1-800-344-8858. Please read this Notice. Feel free to share it with your family or personal representative.

Not every use or disclosure of PHI, with or without a signed Authorization, may be listed in this Notice. Uses or disclosures not specified in this Notice generally will require an Authorization.

» Terms Used in this Notice « Business Associates. We contract with outside persons or entities called business associates who may access, use, or disclose PHI/ePHI to perform covered services for us, such as auditing, accounting, accreditation, actuarial services, and legal services.

Business associates must protect the privacy and security of your PHI/ePHI to the same extent we do. If a business associate delegates responsibilities for performing services to a subcontractor or agent, that subcontractor or agent also is considered to be a business associate, which must comply with HIPAA. Covered Entities. Covered entities include healthcare providers (e.g., hospitals, doctors, nurses, nursing homes, home health agencies, durable medical equipment suppliers, and other healthcare professionals and suppliers), group health plans, and health care clearinghouses. AultCare is a group health plan covered entity.

Disclose. Disclose means our releasing, transferring, providing access to, or divulging your PHI/ePHI to a third party, including covered entities and their business associates: (1) for treatment, payment, and healthcare operations; or (2) when you permit us by your signed authorization; or (3) as permitted or required by law.

Health Plan. Health plan means an individual or group health plan that provides, or pays the cost of, medical care and includes a health insurance issuer, HMO, Part A or B of Medicare, Medicaid, voluntary prescription drug benefit program, issuer of Medicare supplemental policy, issuer or a long-term care policy, employee welfare benefit plan, plan for uniformed services, veterans health care program, CHAMPUS, Indian health service program, federal employee health benefit program, Medicare+Choice program, Medicare Advantage plan, approved state child health plan, high-risk pool, and any other individual or group health plans or combination that provides or pays for the cost of medical care. AultCare is a group health plan.

Health Care Operations. We will use PHI/ePHI for health care operations that include quality assurance, performance improvement, utilization review, accreditation, licensing, legal compliance, provider and supplier credentialing, peer review, business management, auditing, enrollment, underwriting, reinsurance, and other functions related to your health plan and its status as a group health plan, as well as offering and providing preventive, wellness, case management, and related services.

We may disclose your PHI/ePHI to another healthcare facility, healthcare professional, or health plan for purposes of quality assurance, case management and related services if that facility, professional, or plan also has a relationship with you.

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Notice of Privacy Practices AULTCARE INSURANCE COMPANY Minimum Necessary. We will limit the use or disclosure of your PHI/ePHI to the minimum needed to accomplish the intended purpose of the use, disclosure, or request.

Payment. Payment means the activities undertaken a group health plan to obtain premiums or to determine or fulfill its responsibility for coverage and the provisions of benefits under your plan and includes eligibility or coverage determination, coordination of benefits, adjudication and subrogation of health benefit claims, billing, claims management, healthcare data processing, reinsurance (including stop-loss and excess), determination of medical necessity, utilization review (including precertification and retrospective review), and related activities.

Protected Health Information (PHI/ePHI). PHI/ePHI means individually identifiable medical and health information regarding your medical condition, treatment of your medical condition, and payment of your medical condition, and includes oral, written, and electronically generated and stored information. PHI/ePHI excludes de-identified information or health information regarding a person who has been deceased for more than 50 years.

Treatment. Treatment means the provision, coordination, and management of healthcare and related services by one or more health care providers, including referrals and consultations between providers or suppliers.

Use. Use means our accessing, sharing, employing, applying, utilizing, examining, or analyzing your PHI/ePHI within the AultCare organization for payment and health care operation purposes. Your PHI/ePHI is accessible only to members of AultCare’s workforce who have been trained in HIPAA Privacy and have signed a confidentiality agreement that limits their access and use of PHI/ePHI, according to the minimum necessary standard, to perform the authorized purpose.

» Use and Disclosure of PHI for Treatment, Payment, & Healthcare Operations « No Authorization Needed. We will create, receive, or access your PHI/ePHI, which we may use or disclose to other covered entities for treatment, payment, and healthcare operations, without the need for you to sign an authorization.

•

Disclosures for Treatment. We will disclose your PHI/ePHI necessary for treatment. For example, a doctor or health facility involved in your care may request your PHI/ePHI that we hold to make decisions about your care.

•

Uses and Disclosures for Payment. We will use or disclose your PHI needed for payment. For example, we will use information about your medical procedures and treatment to process and pay claims, to determine whether services are medically necessary, and to pre-authorize or certify services covered by your health plan. We may disclose PHI/ePHI to other governmental or commercial health plans that may be obligated under coordination of benefit rules to process and pay your claims.

•

Uses and Disclosures for Healthcare Operations. We will use and disclose your PHI/ePHI as necessary or permitted by law for our healthcare operations. For example, we may use or disclose PHI/ePHI for underwriting purposes; however, we will not use or disclose your genetic information for underwriting purposes.

No Authorization Needed for Business Associates. We may disclose PHI/ePHI to business associates with whom we contract to perform certain covered services. It is not necessary for you to sign an authorization for us to share PHI/ePHI with our business associates.

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Notice of Privacy Practices AULTCARE INSURANCE COMPANY » Other Uses and Disclosures of PHI/ePHI « Authorization. Except for treatment, payment, or health care operations, or as stated below, we will not use or disclose your PHI/ePHI for any other purpose without your signed HIPAA-compliant authorization unless required by law. We will not condition your treatment or coverage on your signing an authorization.

We will not disclose psychotherapy notes without a signed authorization unless required by law.

We will not disclose your PHI/ePHI to your employer without your signed authorization. We will not release medical records if we are subpoenaed, unless you sign an authorization, or the lawyers enter into a qualified protective order, or if we receive a valid court or administrative order.

You may cancel your authorization at any time by notifying us in writing. Once we receive your written cancellation, we no longer will disclose your PHI/ePHI. We are not responsible for any use or disclosure of PHI/ePHI according to your authorization before we receive your written cancellation.

Communications With You. We may communicate with you about your claims, premiums, or other things connected with your health plan. You may request us to communicate with you by alternative means or at alternatives locations. For example, you may request messages not to be left on voice mail or that explanation of benefits (EOBs) be sent to post office box or address other than your home. You may send your request to: Privacy Coordinator, P.O. Box 6029, Canton, OH 44706. We will honor reasonable requests.

Communications with Family or Others Involved In Your Care. With your approval, we may disclose your PHI/ePHI to designated family, friends, guardians, persons authorized by a durable power of attorney for healthcare, personal representative, or others involved in your care or payment for your care to assist that person’s caring for you or paying your medical bills. If you are unavailable, incapacitated, or facing an emergency medical situation, and we determine a limited disclosure may be in your best interest, we may share limited PHI/ePHI with these individuals without your approval. We may disclose limited PHI/ePHI to a public or private entity authorized to assist in disaster relief efforts, so it may locate a family member or other persons who may be involved in caring for you.

Minors and Emancipated Minors. We will disclose PHI/ePHI of a minor (a person less than 18 years old) to the minor’s parent(s) or guardian. We will not disclose PHI/ePHI to the parent(s) or guardian of an emancipated minor. A minor is considered emancipated if he/she: (1) does not live with his/her parent(s); (2) is not covered by parental health insurance; (3) is financially independent of parent(s); (4) is married; (5) has children; or (6) is in the military.

Deceased Enrollees and their Dependents. If you die, we will disclose your PHI/ePHI to the probate court’s appointed executor or administrator of your estate. We may disclose PHI/ePHI to your spouse, family, personal representative, or others who were involved in your care or management of your affairs, unless doing so would be inconsistent with your expressed wishes made known to us.

Other Health-Related Products or Services. We may periodically use your PHI/ePHI to determine whether you may be interested in, or benefit from, treatment alternatives, wellness, preventive, disease management, or health-related programs, products or services that may be available to you as an enrollee or eligible beneficiary under your health plan. For example, we may use your PHI/ePHI to identify whether you have a particular illness and contact you to advise you that a disease management program is available to help manage your illness. If you do not want to be contacted or receive information about these services and programs, you may opt-out by contacting Customer Service. Your opting out will not affect any coverage or services we provide to you. We will not use your information to communicate with you about products or services that are not health-related without your authorization. We will not sell or disclose your PHI/ePHI to third-parties for marketing without your authorization, which will indicate whether we receive remuneration for selling PHI. Fundraising. We may contact you about charitable fundraising. If you do not want to be contacted or receive fundraising materials, you may opt-out by contacting Customer Service. Your opting out will not affect any coverage or services we provide to you.

Research. In limited circumstances, we may use and disclose your PHI/ePHI for research. For example, a research organization wishing to compare outcomes of patients by payer source would need to review a series of records we hold. In all cases where your specific authorization has not been obtained, your privacy will be protected by strict confidentiality requirements applied by an Institutional Review Board or privacy board that oversees the research.

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Notice of Privacy Practices AULTCARE INSURANCE COMPANY » Use and Disclosure of Health Information Permitted or Required by Law « We may use or disclose PHI/ePHI, without your authorization, as permitted or required by law, including, but not limited to, the following: Plan Sponsor. We may disclose PHI/ePHI to the plan sponsor of your health benefit plan on condition that the plan sponsor certifies that it will maintain PHI/ePHI provided a confidential manner and will not use it for employment-related decisions, other improper employee benefit determinations, or in any other manner not permitted by law.

Workers’ Compensation. Ohio law permits us to disclose PHI/ePHI to workers’ compensation agencies and for related purposes when an employee files a workers’ compensation claim or seeks benefits for work-related injuries or illnesses.

Public Health Agencies. Ohio law requires us to disclose PHI/ePHI to public health agencies for reporting births and deaths, to help control disease, injury or disability and for reporting cases of suspected abuse, neglect, or domestic violence.

FDA and OSHA. Certain Federal laws from the FDA and OSHA require us to disclose PHI/ePHI for reporting adverse events, product problems, and biological product deviations, so safety precautions, recalls, and notifications can be conducted.

Regulatory and Licensing Agencies. We will disclose PHI/ePHI to certain Ohio and Federal governmental regulatory and licensing agencies (including the Ohio Department of Insurance) and health oversight agencies for purposes of their reviewing health care system, civil rights, privacy laws, and compliance with other governmental programs.

National and Homeland Security. We may disclose information concerning enrollees and their eligible dependents to authorized federal officials for intelligence and other National and Homeland Security purposes.

Protective Services for the President and Others. We may disclose PHI/ePHI to authorized federal officials, so they may protect the President, other authorized persons and foreign heads of state and officials, or to conduct special investigations.

Red Cross and Armed Forces. We may disclose PHI/ePHI to the Red Cross or Armed Forces to assist them in notifying family members of your location, general condition, or death.

Coroners, Medical Examiners, and Funeral Directors. We may disclose PHI/ePHI to coroners, medical examiners, or funeral directors for them to perform legally authorized responsibilities.

Law Enforcement. We may disclose PHI to law enforcement officials when it: (1) is limited to identification purposes; (2) applies to victims of crime; (3) involves a suspicion that injury or death has occurred because of criminal conduct; (4) is needed for a criminal investigation; (5) is needed to prevent or lessen the threat to the health or safety of a person or to the public; (6) is in response to a valid court order; (7) is used to identify or locate a suspect, fugitive or missing person; (8) is used to report a crime on our premises; or (9) is otherwise required by law.

Reporting of Wounds. We may disclose PHI/ePHI to law enforcement officials as required by law to report gunshot wounds, stabbing, burns, injuries and crimes.

Emergency or Disaster. If the President declares an emergency or disaster, and the Secretary of HHS declares a public health emergency, the Secretary may waive our obligation to comply with any or all of the following Privacy requirements to: (1) obtain your agreement to speak to family members or friends involved in your care; (2) your right to request privacy restrictions; or (3) your right to request confidential communications. Waiver only applies during an emergency period up to 72 hours.

Prevent Threat of Serious Harm. We will disclose PHI/ePHI if a reasonable belief exists that it may prevent or lessen a serious and imminent threat to the health or safety to you, another person, or the public, and disclosure is made to a person(s) reasonably able to prevent or lessen the threat, including the target or intended victim of the threat.

Proof of Immunization. We may disclose PHI to schools for the limited purpose of showing proof of immunization of a student or prospective student, and the parent, guardian, or person acting in loco parentis does not object.

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Notice of Privacy Practices AULTCARE INSURANCE COMPANY Organ and Tissue Donation. If you are an organ or tissue donor, we may disclose medical information to the organizations that handle: (1) organ procurement; (2) organ, eye, or tissue transplantation; or (3) an organ donation bank, as applicable, to facilitate organ or tissue donation and transplantation.

Correction Institution or Custody. If you are an inmate of a jail, prison, correctional institution, or under the custody of law enforcement officials, we may use or disclose medical information about you for purposes of: (1) the institution’s providing you with health care; (2) protecting your health and safety and the health and safety of others; and (3) protecting the safety and security of the correctional institution or custodial facility.

Institutional Review Board. We may release PHI/ePHI for certain research purposes where the research is approved by a formal institutional review board with established rules to ensure privacy.

» Your Rights « Restrictions on Use and Disclosure of Your PHI. You have the right to request restrictions on our use and disclosures of your PHI/ePHI for treatment, payment, or health care operations by notifying us in writing of your request. A restriction request form can be obtained by calling the AultCare Service Center or by visiting our website at www.aultcare.com. We are not required to agree to your request for restriction, unless disclosure is for the purpose of carrying out payment or healthcare operations and is not otherwise required by law, or the PHI/ePHI pertains solely to a healthcare item or service for which you or your personal representative has paid out-of-pocket the covered entity in full. In other instances, we will attempt to accommodate reasonable requests, if appropriate. We reserve the right to terminate a restriction at any time if we believe termination is appropriate. We will notify you if we terminate the restriction. You also have the right to terminate any by calling or sending the termination notice to the Privacy Coordinator.

Access to Your PHI. You have the right to copy and/or inspect your PHI/ePHI maintained in a designated record set. There are exceptions. You may not have the right to inspect or copy psychotherapy notes or information compiled for civil, criminal or administrative proceedings. Your right may not extend to information covered by other laws or information obtained from someone other than another covered entity. We may deny you access if, in our judgment, seeing the information could endanger the life or safety of you or another. All requests for access must be made in writing and signed by you or your personal representative. If the subject of the request for access is ePHI maintained in one or more designated record sets electronically, and if you request an electronic copy, we will provide you with access to your ePHI in the electronic form and format requested if it is readily producible in such form or format or, if not, in a mutually agreed-to readable electronic form and format. If your request for access directs us to transmit a copy of the ePHI to another person whom you designate, we will provide a copy of the requested ePHI to that designated person. We may charge you for postage if you request a mailed paper copy and will charge for preparing a summary of the requested information if you request such summary. You may obtain an access request form by calling AultCare Customer Service or by visiting our website at www.aultcare.com.

Amendments to Your PHI. You have the right to request in writing that PHI/ePHI we maintain about you in a designated record set be amended or corrected. We are not obligated to make all requested amendments but will give each request careful consideration. All amendment requests, in order to be considered by us, must be in writing, signed by you or your personal representative, and must state the reasons for the amendment/correction request. If an amendment or correction you request is made by us, we may also notify others who work with us and have copies of the uncorrected record if we believe that such notification is necessary. You may obtain an amendment request form by calling AultCare Customer Service or by visiting our website at www.aultcare.com.

Accounting for Disclosures of Your PHI. You have the right to receive an accounting of certain disclosures we made of your PHI after April 14, 2003. There are certain exceptions and limitations, including, but not limited to disclosures made: (1) for treatment, payment, and healthcare operations; (2) to you or personal representative of your own PHI; and (3) according to your signed authorization. Requests must be made in writing and signed by you or your personal representative. Accounting request forms are available by calling AultCare Customer Service or by visiting our website at www.aultcare.com. The first accounting in any 12-month period is free. You may be charged a fee for each subsequent accounting you request within the same 12-month period.

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Notice of Privacy Practices AULTCARE INSURANCE COMPANY Breach Notification. You have the right to notification if a breach of your PHI/ePHI occurs. We will promptly notify you by first-class mail, at your last known address, or by email (if you prefer) if we discover a breach of unsecured PHI/ePHI, which includes the unauthorized acquisition, access, use, or disclosure of your PHI/ePHI, unless we determine that a low probability exists that the compromise of your PHI would cause you financial, reputational, or other harm. We will include in the breach notification a brief description of what happened, a description of the types of unsecured PHI involved, steps you should take to protect yourself from potential harm, a brief description of what we are doing to investigate the breach and mitigate any potential harm, as well as contact information for you to ask questions and learn additional information.

» Patient Concern and Complaint Resolution « We are committed to protecting your PHI/ePHI. Despite our best efforts, questions, concerns, or problems may occur. If you have a concern, or if you believe that your privacy rights have been violated or breached, we encourage you to contact us immediately. You may ask a question, express a concern, or file a complaint by writing to the Privacy Coordinator, P.O. Box 6029, Canton, OH 44706. You may also file a complaint with the Secretary of the U.S. Department of Health and Human Services in Washington D.C. in writing within 180 days of a violation of your rights. Under no circumstances, will we “retaliate” against you for expressing a concern or filing a complaint regarding your privacy rights.

» Changes to this Notification of Privacy Practices « We reserve the right to change this Notice of Privacy Practices at any time, which we may make effective for PHI/ePHI we already used or disclosed, and/or for any PHI/ePHI we may create, receive, use, or disclose in the future. We will make material amendments based on changes in the HIPAA laws. The revised notice will be posted on our website www.aultcare.com. Copies of revised notices will be mailed to all enrollees covered by the plan, and copies may be obtained by mailing a request to: Privacy Coordinator, P.O. Box 6029, Canton, OH 44706.

If you have questions or need further assistance regarding this Notice, you may contact AultCare Customer Service at 330-3636360 or 1-800-344-8858. If you are hearing impaired and have access to a TTY phone, you may reach us at our TTY line at 711. Our call center hours of business are from 7:30 a.m. to 5:00 p.m., Monday-Friday.

EFFECTIVE DATE This Notice of Privacy Practices became effective on April 14, 2003.

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Monthly

INVOICES » An example of the monthly invoice that each company receives is provided on the following page. The invoice you receive may differ in column headings and amounts.

The top portion of the invoice indicates the Run Date of the invoice and the Due Date of the payment. AultCare strives to have all bills run by the 15th and mailed by the 25th of each month. Payment is then due by the date indicated. If you have signed up to receive your bill electronically, you will be notified by email the invoices are available and you will access your invoice throughout our website at www.aultcare.com.

Any adjustments made to membership, such as termination, will be indicated in a section before the Grand Total. Eligibility changes that were received by the 10th of the month will be reflected on that month’s bill. General policy is to credit up to three months for terminations, so it is important to be up-to-date with eligibility changes. It is your responsibility to review this monthly billing for accuracy. Please note when mailing in your payment that no adjustments are to be written on the invoices and the amount sent should equal the Grand Total.

» Please remit premium payment to: Canton Regional Chamber Health Fund Insurance Premium Enclosed PO Box 6910 Canton, OH 44706 • •

Upon Initial Set-Up: Automatically enrolled in Electronic Invoicing, unless otherwise specified Monthly Premium Funding Form

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INVOICE TOTAL: 0.00

0.00

0.00 0.00 0.00 0.00 0.00

LIFE/ VISION

0.00

0.00 0.00 0.00 0.00 0.00

BROKER FEES

4191.79

1476.65 476.34 881.23 881.23 476.34

TOTAL FEES

Total Enrollee Count Total Adjustment Count

Total Counts:

$4,191.79

$0.00

0.00

0.00 0.00 0.00 0.00 0.00

RIDERS/ REINS

EMPLOYEE EMP/DEPENDENTS EMP/FAMILY

0.00

0.00 0.00 0.00 0.00 0.00

HRA/HSA/ FLEX

$4,191.79

0.00

4191.79

0.00 0.00 0.00 0.00 0.00

DENTAL FEES

05/2018

PERIOD:

Coverage Counts:

GRAND TOTAL:

0.00 0.00 0.00 0.00 0.00

1476.65 476.34 881.23 881.23 476.34

MEDICAL NETWORK ADMIN FEES

INVOICE:

PO BOX 6910 l CANTON OH 44799-6117 Phone: 330.363.6360 l Toll Free: 1.800.344.8858 l TTY Line: 330.363.2393 1.866.633.4752

EMP/FAMILY EMPLOYEE EMP/DEPENDENTS EMP/DEPENDENTS EMPLOYEE

BALANCE FORWARD:

COVERAGE TYPE

NUMBER:

NAME:

ENROLLEE NAME

GROUP

GROUP

Monthly Premium Funding Company Name: Group Number: Monthly Invoice (Pay as billed, enrollment adjustments will be made to subsequent invoices) FUNDING ARRANGEMENT (SELECT AND COMPLETE ONE OPTION) ACH Transfer to AultCare:

• Yes • No Canton Regional Chamber Health Fund Account Number: 01030329006 Routing Code: 044115090 Mail Check:

• Yes • No Make check payable to: Canton Regional Chamber Health Fund AultCare Draft From Your Account:

• Yes • No

If yes, provide the following:

Bank Name: Bank Contact: Phone Number: Account Number: Routing Code: Note: Automatic withdrawal on the 1st of every month

Completed by (printed name): Signature: Date: Forward to AultCare Billing Department

Administered by

Revised 6/19/2018

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Enrollee Questionnaires

& FORMS

» This section provides an explanation of various questionnaires enrollees may receive if there is a question regarding how to pay a claim.

Encourage employees to respond to any forms received in order to have their claims paid quickly and correctly.

» Other Coverage Information Form (2-page form) Unless otherwise instructed by a self-funded company, AultCare will send out a yearly Other Coverage Information Form to be updated with the next claims received for any member of the family following one year on the plan. Upon receipt of the completed form, the system is noted with the updated information and any pended claims are processed.

» Accident Questionnaire The Accident Questionnaire is mailed in the cases of accidents mainly to determine if a third party might be responsible for an accident.

Claims are pended until we receive a signed response to the questionnaire. Cases involving a third party are referred to our Subrogation Department to pursue reimbursement for the Plan.

» Designation of Authorized Representative Form The Designation of Authorized Representative Form is used to confirm permission to discuss with or disclose to a person’s Protected Health Information (PHI).

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Other Coverage Information Form Group #:

• Actively Working

Enrollee Name:

• Retired: Date of Retirement___/____/____

Member ID#:

• Disabled-Working

• Disabled-Not Working

Have you, your spouse, or any dependents covered under this AultCare plan had any other Medical, Dental, Vision, RX, or Medicare coverage in the past 24 months?

• No: The rest of the form does not need to be completed, please sign and date second page, and return to AultCare.

• Yes: Please complete entire form, sign, date, and return to AultCare.

PART 1 - ENROLLEE INFORMATION Do you have health insurance in which you are the enrollee/policyholder other than this AultCare plan?

• No

• Yes

Previous carrier termination date___/____/____

Is OTHER coverage: • Active plan • Retiree plan Insurance Name:

• COBRA

Current Employer Name:

Who is covered under OTHER plan?

Check coverage(s):

• MEDICAL

• DENTAL

complete below.

• Individual Plan

Group#

• VISION

• PRESCRIPTION

• Medicare

Effective Date: ___/____/____

• SUPPLEMENTAL

PART 2 - SPOUSE INFORMATION (COMPLETE IF MARRIED) Spouse’s name ____________________________Date of Birth ____/____/____ Is spouse employed? • No • Yes

Employer

Does spouse have other coverage?

• No

• Part-time

• Benefits not offered

• Yes

Is OTHER coverage: • Active plan

• Unemployed

Date of Marriage ____/____/____

• Self Employed

• Cost

• Waiting period Eligible for coverage ____/____/_____ • Prior coverage terminated date ___/____/_____ • Retiree Plan

Policyholder’s Name:

• COBRA • Individual Plan ID#:

• Medicare

Group #:

Insurance Name: Effective Date: ____/____/____ Who is covered under spouse’s plan?

Check coverage(s): • MEDICAL • DENTAL • VISION

• PRESCRIPTION

• SUPPLEMENTAL

PART 3 - CHILDREN INFORMATION (IF ADDITIONAL SPACE IS NEEDED, COMPLETE ON THE BACK OF FORM) Children’s first and last names a. b. c. d.

Relationship • Natural child of enrollee & spouse • Natural child of enrollee

Part 4

• Natural child of enrollee & spouse • Natural child of enrollee

Part 4

• Natural child of enrollee & spouse • Natural child of enrollee

Part 4

• Natural child of enrollee & spouse • Natural child of enrollee

Part 4

• Natural child of spouse

• Natural child of spouse • Natural child of spouse • Natural child of spouse

Part 4 • Other

Part 4 • Other

Part 4 • Other Part 4 • Other

Part 4 Part 4

Part 4 Part 4

**For any children age 18 or older who have insurance coverage other than through a natural/step parent, please complete part 4A.**

Other Coverage Information Form

Page 2 of 2

Group #: Enrollee Name: Member ID#: PART 4 - DIVORCED, LEGALLY SEPARATED, SINGLE PARENT OR OTHER ***Please complete all information in this section for each child covered under your plan who have a different biological parent other than the enrollee & spouse listed on the first page. If not previously provided, court documentation and/or divorce decrees must be submitted to AultCare in order to accurately update your records*** Child’s Name:

Is their address the same as the enrollee? • Yes • No

provide address:

If 17 or older, please provide date of graduation from high school:

Name of other biological/adoptive parent:

Parent’s Date of Birth ____/____/____

Does child(ren) have insurance coverage other than this AultCare plan? • Yes

• No

Other Parent’s address:

Same as spouse’s coverage? • Yes

• No

complete below

Policyholder’s Name: Relationship to child: Insurance Name: Check coverage(s): • MEDICAL

• DENTAL

• VISION

Effective Date: ____/____/____ Term date: ____/____/____

• PRESCRIPTION

• SUPPLEMENTAL

PART 4A - CHILDREN WITH INSURANCE COVERAGE OTHER THAN A PARENT’S PLAN Child ’s Name:

Is insurance coverage available through adult child’s employer? • Yes • No

Policyholder’s Name: Relationship to child: Insurance Name: Check coverage(s): • MEDICAL

• DENTAL

• VISION

Effective Date: ____/____/____ Term date: ____/____/____

• PRESCRIPTION

• SUPPLEMENTAL

PART 5 - MEDICARE INFORMATION (PLEASE COMPLETE FOR ALL MEDICARE RECIPIENTS) Name:

Name:

Part B Effective Date ____/____/____

Part B Effective Date ____/____/____

Part A Effective Date ____/____/____ Part D Effective Date ____/____/____

Part A Effective Date ____/____/____ Part D Effective Date ____/____/____

Reason for Medicare coverage:

Reason for Medicare coverage:

• End Stage Renal Disease (ESRD)

• End Stage Renal Disease (ESRD)

• Age 65 or older

• Disabled

Date dialysis treatment began ____/____/____

Dialysis started in a: • Facility • Self / Home Dialysis Date of kidney transplant ____/____/____

• Age 65 or older

• Disabled

Date dialysis treatment began ____/____/____

Dialysis started in a: • Facility • Self / Home Dialysis Date of kidney transplant ____/____/____

Insurance Fraud Warning: “Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files any claim containing false or deceptive statements is guilty of insurance fraud.”

Enrollee’s Signature: Enrollee’s Phone Number:

Email:

AULTCARE • ATTN: COB • PO BOX 6910, CANTON OH 44706 • FAX 330-363-7746

Note: If any changes occur during the year, please notify Customer Service at 330-363-6360 or 1-800-344-8858.

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Group #: Member ID: Member Name:

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Patient Name:

Injury / Accident Questionnaire All claims related to this injury / accident questionnaire will be PENDED / DENIED until this fully completed

questionnaire is returned. If you have any questions, please contact customer service at the number listed below.

1. What was the date of your injury / accident?

2. How did your injury / accident occur?

3. Where did the injury / accident occur? (Please check appropriate box) • Auto / Motorized Vehicle • Home

• Work - if yes, was a workers’ compensation claim filed? • Yes

• No

• There was no accident, sudden onset (please contact customer service) • Other, please specify

4. Automobile Accident Information

a) If an automobile accident, were you a driver, a passenger, or a pedestrian? b) If an auto accident, were all the covered family members involved wearing seatbelts at the time of

the accident? c)

If accident involved a motorcycle or recreational vehicle, was a helmet being worn at the time of accident?

d) If motor vehicle accident, were you or a covered family member under the influence of drugs or alcohol?

(includes all motorized recreational vehicles, boats, etc.)?

e) Is there a police report? • Yes If yes, where can we obtain a copy? f)

• No

Were any parties in the accident charged? Who? What offense?

5. What is the name, address, and telephone number of other insurance carriers that a claim has been filed with?

What is the claim number and adjuster’s name?

P.O. Box 6910 / Canton, OH 44706 / PHONE: 330-363-6360 / TOLL FREE: 1-800-344-8858 TTY LINE: 711 for the hearing impaired / WEBSITE: www.aultcare.com

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Page 2 of 2

Group #: Member ID: Member Name:

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Patient Name: 6. Were you responsible for the accident? • Yes

• No

7. Was another party responsible for your accident? • Yes questions 8 - 10.)

• No - (Please sign and return form, do not complete

8. a) What is the name, address, and telephone number of the party responsible for your accident?

b) What is the name, address, and telephone number of the other party’s insurance carrier?

Claim number and adjuster’s name?

9. Have my payments been made for expenses incurred as a result of this accident? • Yes If yes, please explain.

• No

10. Have you retained an attorney? • Yes • No If yes, what is the name, address, and telephone number of your attorney?

I hereby authorize that the plan administrator is entitled to recover claim payments made on my behalf, from any future settlement in my favor, from the third party of other insurance carriers responsible for my accident and corresponding claim(s) outline above. Recovery can also be made from me if I receive the settlement directly from the third party or other insurance carrier.

I hereby authorize the plan administrator to forward copies of claims to the insuring company and attorney.

I hereby authorize release of any information necessary to verify or investigate items pertaining to this accident.

Signature Date Relationship to Patient

P.O. Box 6910 / Canton, OH 44706 / PHONE: 330-363-6360 / TOLL FREE: 1-800-344-8858 TTY LINE: 711 for the hearing impaired / WEBSITE: www.aultcare.com

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Designation of Authorized Representative Form You have the right to appoint a representative, including an attorney, to act on your behalf. This form is used to confirm permission to discuss with or disclose a person’s Protected Health Information (PHI) held by the affiliated entities AultCare Corporation, Aultra Administrative Group (AAG), and AultCare Insurance Company (AIC) which also does business as AultCare HMO, to a particular individual who acts as the person’s personal representative. We are not always required to grant such access, but each request will be carefully reviewed and approved if warranted. Use of this information is strictly limited to that purpose.

Name: Date of Birth: ID Number: Group Number: I hereby authorize the following person to act as my personal representative as indicated below. (Must fill out) Name of Representative: Relationship: Password that the personal representative must provide to access “PHI” about me: Password: OR No Password needed • (Check Box) I understand that I have the right to limit the information that is released under this authorization. For example, I may limit my personal representative’s access to information about a particular issue. *Any such limitations must be described below in writing. I understand that by leaving this section blank, I am imposing no limitations on disclosure.* However, if my authorization is for use/disclosure of substance abuse information, I understand that the recipient may be prohibited from disclosing substance abuse information under the Federal Substance Abuse Confidentiality Requirements. Therefore I release the affiliated entities AultCare Corporation, AultCare Insurance Company, and Aultra Administrative Group from all liability arising from this disclosure of my health information.

Note: State Law mandates that Authorizations are limited to 12 months. This form will expire upon 12 months from the date of signature unless an earlier date is noted here. *Any limitations described here: I understand that this authorization is voluntary and that I may revoke this authorization at any time by providing written notice of such revocation to the Health Plan, except to the extent that action has been taken in reliance on this authorization.

I have had full opportunity to read and consider the content of this form. I understand that this authorization is consistent with my request. I understand that, by signing this form, I am confirming my authorization that the Health Plan may use and/or disclose my PHI to the person named as personal representative for the purpose as described above.

Your Signature: Date: Form must be signed by member. If form is signed by Power of Attorney or Legal Representative, a copy of documentation of position must be in AultCare’s receipt or attached to form. Please designate position held.

Please return the completed form to: ATTN: Privacy Coordinator, PO Box 6029, Canton, OH 44706.

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Summary of Benefits

COVERAGE (SBC)

Employer’s Guide to SBC « Sample SBC «

Glossary of Health Coverage & Medical Terms «

EMPLOYER GUIDE SUMMARY OF BENEFITS AND COVERAGE GLOSSARY OF HEALTH COVERAGE AND MEDICAL TERMS

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Summary of Benefits and Coverage On Feb. 14, 2012, the Departments of Treasury, Internal Revenue Service, Labor, Health and Human Services, and Employee Benefits Security Administration released a final rule that implemented disclosure requirements under section 2715 of the Public Health Service Act. This health insurance market reform under the Patient Protection and Affordable Care Act requires group health plans and health insurance issuers in the group market to provide a summary of benefits and coverage and uniform glossary to members of their health plans.

Final Regulations were again issued in June 2015. A revised SBC template and uniform glossary was finalized for Plan Year 2021.

What’s an SBC and a Uniform Glossary?

Table of Contents • What’s an SBC and a Uniform Glossary?

• What is Culturally and Linguistically Appropriate Manner?

• How do I meet the Electronic Disclosure requirements to distribute the SBC to my employees?

• What happens if I fail to comply?

• Who will provide me with the materials I need for distribution to my employees?

• When will I receive my SBC? • Who should receive the SBC? • When do I need to distribute the materials?

• FAQs

The Summary of Benefits and Coverage or “SBC” and Glossary of Health Coverage and Medical Terms or “Uniform Glossary” are designed to help consumers better understand their health coverage and allow for easy comparison of other coverage options when shopping, applying, enrolling and re-enrolling into a health plan. The SBC is a resource for your employees that will summarize your health plan options including: • Deductible

Insurance Company 1: Plan Option 1

Summary of Benefits and Coverage: What this Plan Covers & What it Costs

Coverage Period: 01/01/2013 – 12/31/2013 Coverage for: Individual + Spouse | Plan Type: PPO

This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.[insert] or by calling 1-800-[insert].

Important Questions

Answers

What is the overall deductible?

You must pay all the costs up to the deductible amount before this plan begins to pay for $500 person / covered services you use. Check your policy or plan document to see when the deductible $1,000 family starts over (usually, but not always, January 1st). See the chart starting on page 2 for how Doesn’t apply to preventive care much you pay for covered services after you meet the deductible.

Why this Matters:

Are there other deductibles for specific services?

Yes. $300 for prescription drug coverage. There are no other specific deductibles.

Is there an out–of– pocket limit on my expenses?

Yes. For participating providers $2,500 person / $5,000 The out-of-pocket limit is the most you could pay during a coverage period (usually one family year) for your share of the cost of covered services. This limit helps you plan for health For non-participating providers care expenses. $4,000 person / $8,000 family

What is not included in the out–of–pocket limit?

Premiums, balance-billed charges, and health care this plan doesn’t cover.

Even though you pay these expenses, they don’t count toward the out-of-pocket limit.

Is there an overall annual limit on what the plan pays?

No.

The chart starting on page 2 describes any limits on what the plan will pay for specific covered services, such as office visits.

Does this plan use a network of providers?

Yes. See www.[insert].com or call 1-800-[insert] for a list of participating providers.

If you use an in-network doctor or other health care provider, this plan will pay some or all of the costs of covered services. Be aware, your in-network doctor or hospital may use an out-of-network provider for some services. Plans use the term in-network, preferred, or participating for providers in their network. See the chart starting on page 2 for how this plan pays different kinds of providers.

Do I need a referral to see a specialist?

No. You don’t need a referral to You can see the specialist you choose without permission from this plan. see a specialist.

Are there services this plan doesn’t cover?

Yes.

Some of the services this plan doesn’t cover are listed on page 4. See your policy or plan document for additional information about excluded services.

OMB Control Numbers 1545-2229, 1210-0147, and 0938-1146

• In- and out-of-network provider coverage • Coverage of common medical events • Excluded services

You must pay all of the costs for these services up to the specific deductible amount before this plan begins to pay for these services.

Questions: Call 1-800-[insert] or visit us at www.[insert].

If you aren’t clear about any of the underlined terms used in this form, see the Glossary. You can view the Glossary at www.[insert] or call 1-800-[insert] to request a copy.

• Out-of-pocket and annual limits

• Common covered services • Rights to continue coverage • Member grievance and appeal rights • Coverage examples for having a baby and managing type 2 diabetes The “Uniform Glossary” lists commonly used terms in insurance coverage. You can access the glossary by logging on to www.aultcare.com.

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Corrected on May 11, 2012

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What is Culturally and Linguistically Appropriate Manner?

Who will provide me with the materials I need for distribution to my employees?

This requirement provides employees and dependents the option to request their SBC in a non-English language if they reside in a county that meets or exceeds a 10 percent threshold of non-English speaking residents. The SBC that we provide will contain directions for non-English speaking individuals to receive further information in their non-English language.

As your health issuer or third-party administrator, we are committed to providing you with the tools that you need to meet this regulatory requirement.

How do I meet the Electronic Disclosure requirements to distribute the SBC to my employees?

Under the Department of Labor Electronic Disclosure requirement, if your employees are able to effectively access documents provided in electronic format at their worksite (i.e. e-mail) and this access is a part of their duties as an employee, you can send the SBC to them electronically. You can also allow the employees to elect to receive their SBC electronically.

Eligible employees (not currently enrolled) can receive the SBC electronically as long as a paper version option is available upon request. You can accomplish this by email, e-card, posting on your intranet or sending a postcard.

What happens if I fail to comply?

POTENTIAL FINES AND PENALTIES • Up to $1,000 per day (adjusted for inflation) for each instance of willing non-compliance • A fine of $100 per day per affected individual until compliant

• We will provide you with an SBC master copy for distribution (electronically or paper copy) for your employees, dependents and eligible employees for health insurance coverage. This will include an SBC for each benefit package you offer and a new SBC when coverage changes.

• Continuously monitor changes to regulation that may impact you.

When will I receive my SBC? We will deliver your SBC to you at the following times: • Upon my application for coverage or within 7 days • Within 7 days upon my request • If terms of my plan are not yet final, upon the first day of coverage • Upon changes to my plan • If automatically re-enrolled, a new SBC will be provided at that re-enrollment

Who should receive the SBC? If you have an employee and all of the dependents reside at one address, only one SBC is required to be distributed.

However, if an employee has dependents who have an alternate address, you are required to distribute an SBC to those alternate addresses.

You are also required to distribute an SBC to all of your employees who are eligible for health insurance coverage, even if they are not currently enrolled in your health plan.

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When do I need to distribute the materials?

OPEN ENROLLMENT You need to provide the SBC with open enrollment materials. If you do not hold an open enrollment period, provide the SBC no later than the first date your employees are eligible to enroll for coverage.

ONLINE ENROLLMENT If you offer online enrollment, you are permitted to provide the SBC at the time of online enrollment or online renewal of coverage electronically but must provide the option to receive a paper copy.

Frequently Asked Questions 1. Does this regulation impact small and large groups?

Yes. Whether you are a small or large employer group, the SBC requirements apply to your health plan.

2. Does this apply to both fully insured and self-insured plans?

Yes, this impacts both fully insured and selfinsured plans.

3. Am I exempt because I am in a “grandfathered” plan?

No, the SBC requirement applies to both “grandfathered” and “non-grandfathered” plans.

AUTOMATIC RENEWAL If you have an automatic renewal, the SBC must be provided 30 days prior to the first day of the new plan year. This SBC will reflect the plan that the employee and dependents are currently enrolled.

4. Do I need an SBC for stand-alone dental or vision benefits?

UPON REQUEST If you have an employee or dependent who requests an SBC or Uniform Glossary, you must fulfill the request within seven business days. If the request is online, then you can deliver it electronically but you must provide the option to receive a paper copy.

5. Can I combine the SBC and Uniform Glossary with other documents?

SBC CHANGES If the SBC changes from what was distributed at enrollment, you must provide an updated SBC prior to the first day of coverage.

SPECIAL ENROLLMENT For Special Enrollment, you must provide an SBC within 90 days after they enrolled in your plan.

No, the SBC regulations do not apply to standalone excepted benefits. Excepted benefits are generally benefits that require the individual to pay an additional premium.

Yes, as long as the SBC is displayed at the beginning.

6. Do COBRA enrollees receive SBCs? Yes, COBRA enrollees have the same rights as other enrollees to receive SBCs.

7. Do I have to provide the SBC and Uniform Glossary in color?

No you are permitted to provide in color or grayscale.

MIDYEAR BENEFIT CHANGES If you make a midyear change to your plan that changes the content of your SBC, you must provide a 60-day advance notice to employees. This can be complete via a new SBC or a separate notice (summary of material modification).

2600 Sixth Street SW • Canton, Ohio 44710 • 330-363-6360 • 1-800-344-8858 • www.aultcare.com INSURANCE

COMPANY

REGIONAL

5066/19

60

Coverage for: Individual/Family| Plan Type: PPO

Coverage Period: Beginning on or after 01/01/2018

No.

Are there other deductibles for specific services?

You don’t have to meet deductibles for specific services.

This plan covers some items and services even if you haven’t yet met the deductible amount. But a copayment or coinsurance may apply. For example, this plan covers certain preventive services without cost-sharing and before you meet your deductible. See a list of covered preventive services at https://www.healthcare.gov/coverage/preventive-care-benefits/.

Premiums, balance- billing charges, and health care this plan doesn’t cover.

Non-GF/ Non-Integrated MOOP/ Embedded Ded & OOP

Even though you pay these expenses, they don’t count toward the out–of–pocket limit.

OBM Control Numbers 1545-2229, 1210-0147, and 0938-1146; Released on April6, 2016

What is not included in the out-of-pocket limit?

1 of 7

For Network Providers The out-of-pocket limit is the most you could pay in a year for covered services. If you have other What is the out-of- pocket $4,500 individual / $9,000 family; family members in this plan, they have to meet their own out-of-pocket limits until the overall limit for this plan?

For Out-of-network Providers family out-of-pocket limit is met. $13,500 individual / $27,000 family; For Prescription Drugs $2,850 Individual / $5,700 family

Yes. Network preventive care services are covered before you meet your deductible.

Are there services covered before you meet your deductible?

The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services. NOTE: Information about the cost of his plan(called the premium)will be provided separately.

This is only a summary. For more information about your coverage, or to get a copy of the complete terms of coverage, call AultCare at 330-363-6360 or go to www.aultcare.com. For general definitions of common terms, such as allowed amount, balance billing, coinsurance, copayment, deductible, provider, or other underlined terms see the Glossary. You can view the Glossary at www.aultcas.com/aultcare/login.aspx or call 330-363-6360 or 1-800-344-8858 to request a copy.

Important Questions Answers Why This Matters: For Network Providers Generally, you must pay all of the costs from providers up to the deductible amount before this What is the overall $500 individual / $1,000 family; plan begins to pay. If you have other family members on the plan, each family member must deductible?

For Out-of-network Providers meet their own individual deductible until the total amount of deductible expenses paid by all $1,500 individual / $3,000 family family members meets the overall family deductible.

Canton Regional Chamber Health Fund 500B

Summary of Benefits and Coverage: What this Plan Covers & What You Pay for Covered Service

61

Do you need a referral to see a specialist?

Will you pay less if you use a network provider?

You can see the specialist you choose without a referral.

No

2 of 7

This plan uses a provider network. You will pay less if you use a provider in the plan’s network.

You will pay the most if you use an out-of-network provider, and you might receive a bill from a provider for the difference between the provider’s charge and what your plan pays (balance billing). Be aware, your network provider might use an out-of-network provider for some services (such as lab work). Check with your provider before you get services.

Yes. See www.aultcare.com or call 330-363-6360 or 1-800-344-8858 for a list of network providers.

62

40% coinsurance

$25 copayment/visit No charge

Preventive care/screening/ immunization 50% coinsurance

40% coinsurance

$25 copayment/visit

What You Will Pay Out-of-Network Provider Network Provider (You will pay the most) (You will pay the least)

Primary care visit to treat an injury or illness Specialist visit

Services You May Need

Deductible does not apply to office visits to a network provider.

Deductible does not apply to office visits to a network provider.

You may have to pay for services that aren’t preventive. Ask your provider if the services needed are preventive. Then check what your plan will pay for.

Limitations, Exceptions, & Other Important Information

Specialty/Limited Distribution Non-Preferred

Brand Non-Preferred

$250 copayment/prescription or 40% coinsurance whichever is greater. Limited to a 30-day supply per fill.

Retail: $45 copayment/prescription or 50% coinsurance (Tier 4) whichever is greater; Mail order: $85 copayment/prescription or 45% coinsurance whichever is greater, up to maximum of $250 Most Non-Preferred (Tier 5) 75% coinsurance Specialty/Limited Distribution $125 copayment/prescription or 20% coinsurance whichever is greater. Limited to a 30-day supply per fill.

Preferred

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Diagnostic test (x-ray, blood 20% coinsurance 40% coinsurance work) If you have a test None Imaging (CT/PET scans, MRIs) 20% coinsurance 40% coinsurance Generic Preferred (Tier 1) Retail: $10 copayment/prescription or 20% coinsurance Deductible does not apply. A 34-day supply If you need drugs to whichever is greater for 1-34 day supply; Retail or Mail is available at the retail pharmacy for generic treat your illness or order: $27 copayment / prescription or 20% coinsurance and brand name prescription drugs. You may condition whichever is greater for 35-60 day supply obtain up to a 60-day supply of generic More information about prescription drug Generic Non Preferred (Tier 2) Retail: $20 copayment/prescription or 30% coinsurance prescription drugs at the retail pharmacy for coverage is available at whichever is greater for 1-34 day supply; Retail or Mail the mail order amount. A 90-day supply is www.aultcare.com order: $45 copayment/prescription or 30% coinsurance available through the mail order program. If a prescription drug is purchased without using your whichever is greater Brand Preferred (Tier 3) Retail: $30 copayment/prescription or 30% coinsurance card, this Plan will pay up to the allowed amount. whichever is greater; Mail order: $55 copayment/prescription or 25% coinsurance whichever is Once the prescription drug out-of-pocket limit is reached, the copayment is $0. greater, up to maximum of $125

If you visit a health care provider’s office or clinic

Common Medical Event

All copayment and coinsurance costs shown in this chart are after your deductible has been met, if a deductible applies.

63

20% coinsurance $50 copayment/visit 40% coinsurance 40% coinsurance 40% coinsurance

$150 copayment/visit 20% coinsurance $50 copayment/visit

20% coinsurance

Emergency medical transportation Urgent care

Facility fee (e.g., hospital room) 20% coinsurance 20% coinsurance 20% coinsurance

Emergency room care

Physician/surgeon fees Outpatient services

Inpatient services

Office visits

If you have a hospital stay

20% coinsurance 20% coinsurance 20% coinsurance

Skilled nursing care

Durable medical equipment

Hospice services

20% coinsurance

20% coinsurance

Rehabilitation services

40% coinsurance

40% coinsurance

40% coinsurance

40% coinsurance

40% coinsurance

40% coinsurance

20% coinsurance

Preauthorization is recommended.

4 of 7

Preauthorization is recommended for a single item with a purchase price over $1,000.

Coverage is limited to Autism Spectrum Disorder. Services are limited to the following: Speech/ Language/ Occupational Therapy – 20 visits per calendar year for each service; and Clinical Therapeutic Intervention at 20 hours per week; and Mental/Behavioral Health Outpatient Services.

Preauthorization is recommended. Coverage is limited to 50 days per illness.

Preauthorization is recommended. Coverage is limited to 60 visits per calendar year.

Must be illness/injury related.

Preauthorization is recommended.

40% coinsurance

20% coinsurance 40% coinsurance

Depending on the type of services, a copayment, coinsurance or deductible may apply.

None

40% coinsurance

20% coinsurance

20% coinsurance

Preauthorization is recommended.

None None

Deductible does not apply to this benefit.

Preauthorization is recommended.

Network deductible will apply.

Deductible does not apply to this benefit.

40% coinsurance

Childbirth/delivery professional services Childbirth/delivery facility services Home health care

Autism Spectrum Disorder If you need help recovering or have other special health needs

If you are pregnant

If you need mental health, behavioral health, or substance abuse services

$150 copayment/visit

40% coinsurance

If you need immediate medical attention

If you have outpatient surgery None

Limitations, Exceptions, & Other Important Network Provider Out-of-Network Provider Information (You will pay the least) (You will pay the most) 20% coinsurance 40% coinsurance None 20% coinsurance

Services You May Need

What You Will Pay

Facility fee (e.g., ambulatory surgery center) Physician/surgeon fees

Common Medical Event

64

Children’s glasses Children’s dental check-up

Children’s eye exam

Services You May Need

Not covered Not covered

No charge

Not covered Not covered

50% coinsurance

Network Provider Out-of-Network Provider (You will pay the least) (You will pay the most)

What You Will Pay

Coverage is provided for vision screening for all children at least once between the ages of 3 and 5 years, to detect the presence of amblyopia or its risk factors.

Limitations, Exceptions, & Other Important Information

5 of 7

Does this plan provide Minimum Essential Coverage? Yes. If you don’t have Minimum Essential Coverage for a month, you’ll have to make a payment when you file your tax return unless you qualify for an exemption from the

Your Grievance and Appeals Rights: There are agencies that can help if you have a complaint against your plan for a denial of a claim. This complaint is called a grievance or appeal. For more information about your rights, look at the explanation of benefits you will receive for that medical claim. Your plan documents also provide complete information to submit a claim, appeal, or a grievance for any reason to your plan. For more information about your rights, this notice, or assistance, contact: for group health coverage subject to ERISA, contact Department of Labor’s Employee Benefits Security Administration at 1-866-444-EBSA(3272) or www.dol.gov/ebsa/healthreform or call the Ohio Department of Insurance 1-800-686-1526; for non-federal governmental group health plans and church plans that are group health plans, contact AultCare at 1-800-344-8858 or call the Ohio Department of Insurance 1-800-686-1526.

Your Rights to Continue Coverage: There are agencies that can help if you want to continue your coverage after it ends. The contact information for those agencies is: for group health coverage subject to ERISA, contact Department of Labor’s Employee Benefits Security Administration at 1-866-444-EBSA(3272) or www.dol.gov/ebsa/healthreform; for non-federal governmental group health plans, contact Department of Health and Human Services, Center for Consumer Information and Insurance Oversight, at 1-877-267-2323 x61565 or www.cciio.cms.gov. Church plans are not covered by the Federal COBRA continuation coverage rules. If the coverage is insured, individuals should contact their State insurance regulator regarding their possible rights to continuation coverage under State law. Other coverage options may be available to you too, including buying individual insurance coverage through the Health Insurance Marketplace. For more information about the Marketplace, visit www.HealthCare.gov or call 1-800-318-2596.

Other Covered Services (Limitations may apply to these services. This isn’t a complete list. Please see your plan document.)  Chiropractic Care  Private Duty Nursing  Infertility Treatment

Excluded Services & Other Covered Services: Services Your Plan Generally Does NOT Cover (Check your policy or plan document for more information and a list of any other excluded services.)  Cosmetic Surgery  Abortion (except in cases of rape, incest, or  Non-Emergency care when traveling outside the U.S.  Dental Care(adult) when the life of the mother is endangered)  Routine Eye Care(Adult)  Hearing Aids  Acupuncture  Routine Foot Care  Long Term Care  Bariatric Surgery  Weight Loss Programs

If your child needs dental or eye care

Common Medical Event

65

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requirement that you have health coverage for that month. requirement that you have health coverage for that month.

Does this plan meet Minimum Value Standards? Yes. meet Minimum Value Value Standards?

Yes.you may be eligible for a premium tax credit to help you pay for a plan through the Marketplace.

IfDoes yourthis planplan doesn’t meet the Minimum Standards, If your plan doesn’t meet the Minimum Value Standards, you may be eligible for a premium tax credit to help you pay for a plan through the Marketplace.

Language Access Services: Language(Español): Access Services: [Spanish Para obtener asistencia en Español, llame al 330-363-6360 / 1-800-344-8858 [Spanish (Español): Para obtener asistencia en Español, llame al 330-363-6360 / 1-800-344-8858 [Tagalog (Tagalog): Kung kailangan ninyo ang tulong sa Tagalog tumawag sa 300-363-6360 / 1-800-344-8858 [Tagalog (Tagalog): Kung kailangan ninyo ang tulong sa Tagalog tumawag sa 300-363-6360 / 1-800-344-8858 [Chinese (中文): 如果需要中文的帮助，请拨打这个号码 330-363-6360 / 1-800-344-8858 [Chinese (中文): 如果需要中文的帮助，请拨打这个号码 330-363-6360 / 1-800-344-8858 [Navajo (Dine): Dinek'ehgo shika at'ohwol ninisingo, kwiijigo holne' 330-363-6360 / 1-800-344-8858 [Navajo (Dine): Dinek'ehgo shika at'ohwol ninisingo, kwiijigo holne' 330-363-6360 ––––––––––––––––––––––To see examples of how this plan might cover costs/ 1-800-344-8858 for a sample medical situation, see the next section.–––––––––––––––––––––– ––––––––––––––––––––––To see examples of how this plan might cover costs for a sample medical situation, see the next section.––––––––––––––––––––––

66

What isn’t covered Limits or exclusions The total Peg would pay is

What isn’t covered Limits or exclusions The total Joe would pay is

$60 $2,500

$500 $440 $1,500

Cost Sharing

What isn’t covered Limits or exclusions The total Mia would pay is

Deductibles Copayments Coinsurance

In this example, Mia would pay:

The plan would be responsible for the other costs of these EXAMPLE covered services.

$260 $2,830

Deductibles Copayments Coinsurance

Cost Sharing

$500 $40 $2,030

Cost Sharing

Deductibles Copayments Coinsurance

In this example, Joe would pay:

In this example, Peg would pay:

$7,400

$500 $25 20% 20%

7 of 7

$0 $750

$500 $50 $200

$1,900

Total Example Cost

$12,800

Total Example Cost

 The plan’s overall deductible  Specialist copayment  Hospital (facility)coinsurance  Other coinsurance

Total Example Cost

$500 $25 20% 20%

This EXAMPLE event includes services like: Emergency room care (including medical supplies) Diagnostic test (x-ray) Durable medical equipment (crutches) Rehabilitation services (physical therapy)

 The plan’s overalldeductible  Specialistcopayment  Hospital (facility)coinsurance  Other coinsurance

(in-network emergency room visit and follow up care)

Mia’s Simple Fracture

This EXAMPLE event includes services like: Primary care physician office visits (including disease education) Diagnostic tests (blood work) Prescription drugs Durable medical equipment (glucose meter)

$500 $25 20% 20%

(a year of routine in-network care of a wellcontrolled condition)

Managing Joe’s type 2 Diabetes

This EXAMPLE event includes services like: Specialist office visits (prenatal care) Childbirth/Delivery Professional Services Childbirth/Delivery Facility Services Diagnostic tests (ultrasounds and blood work) Specialist visit (anesthesia)

 The plan’s overalldeductible  Specialistcopayment  Hospital (facility)coinsurance  Other coinsurance

(9 months of in-network pre-natal care and a hospital delivery)

Peg is Having a Baby

This is not a cost estimator. Treatments shown are just examples of how this plan might cover medical care. Your actual costs will be different depending on the actual care you receive, the prices your providers charge, and many other factors. Focus on the cost sharing amounts (deductibles, copayments and coinsurance) and excluded services under the plan. Use this information to compare the portion of costs you might pay under different health plans. Please note these coverage examples are based on self-only coverage.

About these Coverage Examples:

T E L E H E A LT H

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The provider is always in _ midnight or midday, we’re available. Sign up today!

Consult with a provider by smartphone, tablet or computer.

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Affordable, easy and convenient Your choice of U.S. board-certified providers No appointment, no waiting 24/7/365 mobile or web access Consultation, diagnosis, and prescriptions (when appropriate)

Download Now! Search the App Store or Google Play for “AultmanNow” Step 1: Enroll to create your account Step 2: Select the provider you’d like to see If you are unable to use the mobile app, you can call 844-606-1603 for a telephonic appointment.

You have the right to assistance and information in your language at no cost. To speak with an interpreter, call 330-363-6360 (TTY 711).

ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 330-363-6360 (TTY: 711). 注意： 如果您使用繁體中文，您可以免費獲得語言援助服務。請致電330-363-6360（TTY：711）。AultCare/Aultra complies with applicable federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex.

T E L E H E A LT H

www.aultmannow.com 7673/22

powered by T E L E H E A LT H

7795/23

You have the right to assistance and information in your language at no cost. To speak with an interpreter, call 330-363-6360 (TTY 711).

ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 330-363-6360 (TTY: 711). 注意： 如果您使用繁體中文，您可以免費獲得語言援助服務。請致電330-363-6360（TTY：711）。AultCare/Aultra complies with applicable federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex.

•

Glossary of: » Health « & Medical Terms Glossary of Coverage Health Coverage and Medical Terms

This glossary defines many commonly used terms, but isn’t a full list. These glossary terms and definitions are intended to be educational and may be different from the terms and definitions in your plan or health insurance » This glossary defines commonly butexactly isn’t athe fullsame list. These terms and policy definitions areand intended policy.

Somemany of these terms alsoused mightterms, not have meaningglossary when used in your or plan, in to be educational andpolicy may be different from(See theyour terms and definitions your plan orforhealth insurance policy.

Some any case, the or plan governs.

Summary of Benefitsinand Coverage information on how to get a of copyalso of your policy or plan document.) these terms might not have exactly the same meaning when used in your policy or plan, and in any case, the policy • governs.

Underlined indicates a term this Coverage Glossary. for information on how to get a copy of your policy or or plan (Seetext your Summary of defined Benefitsinand • See page 6 for an example showing how deductibles, coinsurance and out-of-pocket limits work together in a real plan document.) lifetext situation. » Underlined indicates a term defined in this glossary. » The last page in the Allowed Amountglossary illustrates how deductibles, coinsurance Compliand catiout-of-pocket ons of Pregnanlimits cy work together in a real lifeThis situation. is the maximum payment the plan will pay for a Conditions due to pregnancy, labor, and delivery that covered health care service. May also be called "eligible require medical care to prevent serious harm to the health expense", "payment allowance", or "negotiated rate". of the mother or the fetus. Morning sickness and a nonAllowed Amount Complications of Pregnancy emergency caesarean section generally aren’t This is the maximum payment the plan will pay for a Conditions due to pregnancy, labor, and delivery that complications of pregnancy.

Appehealthcare al covered service. May also be called “eligible require medical care to prevent serious harm to the health A request that your health insurer or plan review a expense,” “payment allowance,” or “negotiated rate.” of the mother or the fetus. Morning sickness and a nonCemergency opaymencesarean t decision that denies a benefit or payment (either in whole section generally are not complications Aoffixed amount or in part).

Appeal pregnancy. (for example, $15) you pay for a covered health care service, usually when you receive the service.

A request that your health insurer or plan review a decision thatBdenies a benefit or payment (either in whole or in part).

The amount can vary by the type of covered health care alance Billing Copayment service.

When a provider bills you for the balance remaining on A fixed amount (for example, $15) you pay for a covered Balance Billing the bill that your plan doesn’t cover. This amount is the healthcare service, usually when you receive the service.

When a provider bills you for the balance remaining on C ostamount Sharincan g vary by the type of covered healthcare difference between the actual billed amount and the The the bill that your plan doesn’t cover. This amount is the allowed amount.

For example, if the provider’s charge is Your share of costs for services that a plan covers that service. difference between the actual billed amount and the $200 and the allowed amount is $110, the provider may you must pay out of your own pocket (sometimes called allowed amount. For example, if the provider’s charge is bill you for the remaining $90.

This happens most often “out-of-pocket Cost Sharing costs”). Some examples of cost sharing $200 and the allowed amount is $110, the provider may when you see an out-of-network provider are copayments, deductibles, andthat coinsurance.

Family (non-preferred Your share of costs for services a plan covers that bill you for the remaining $90. This happens most often you must pay out of your own pocket (sometimes called cost sharing is the share of cost for deductibles and outprovider).

A network provider (preferred provider) may when you see an out-of-network provider (non-preferred “out-of-pocket costs”).

Some examples of cost sharing of-pocket costs you and your spouse and/or child(ren) not bill you for covered services. provider). A network provider (preferred provider) may not are copayments, deductibles, and coinsurance. cost must pay out of your own pocket.

Other costs, Family including bill you for covered services. sharing is the share of cost formay deductibles andor out-ofyour premiums, penalties you have to pay, the Claim pocket costsa plan you and yourcover spouse and/or child(ren) must Claim cost of care doesn’t usually aren’t considered A request for a benefit (including reimbursement of a pay out of your own pocket.

Other costs, including your A request for a benefit (including reimbursement of a cost sharing. health care expense) made by you or your health care premiums, penalties you may have to pay, or the cost of healthcare made by you or healthcare providerexpense) to your health insurer or your plan for items or provider to your health insurer or plan for items or services Ccare osta-splan haridoesn’t ng Redcover uctiousually ns aren’t considered cost services you think are covered. sharing. you think are covered.

Discounts that reduce the amount you pay for certain services covered by an individual plan you buy through Coinsurance Coinsurance Cost-sharing the Marketplace.Reductions You may get a discount if your income Your share of the costs Your share of the costs Discounts that reduce the amount you pay for certain is below a certain level, and you choose a Silver level a covered health care of aofcovered healthcare services covered by an individual plan you buy through health plan or if you're a member of a federallyservice, calculated service, calculated as as a a the Marketplace. You may get a discount if your income is recognized tribe, which includes being a shareholder in an percentage percentage (for(for example, below a certain level, and you choose a Silver level health Alaska Native Claims Settlement Act corporation. example, 20%) of the 20%) of the allowed plan or if you’re a member of a federally-recognized tribe, Jane pays Her pays Her plan plan pays for the allowed amount foramount the service.

You Jane pays which includes being a shareholder in an Alaska Native 20% 80% 20% 80% service.pay You generally generally coinsurance Claims Settlement Act corporation. plus any deductibles plus (See page 6 for a detailed example.) pay coinsurance youany owe.

(For example, if the(For health insurance or health plan’s you owe. example, if the deductibles allowed amount for an office visit is $100 and you’ve metis insurance or plan’s allowed amount for an office visit your deductible, your coinsurance payment of 20% would $100 and you’ve met your deductible, your coinsurance be payment $20. Theof health planThe payshealth the rest of the or 20%insurance would beor $20. insurance allowed amount.) plan pays the rest of the allowed amount.)

Glossary of Health Coverage and Medical Terms OMB Control Numbers

Control Numbers 1545-2229, 1210-0147, and 0938-1146 Glossary of Health Coverage and Medical Te1545-2229, rms OMB 1210-0147, and 0938-1146

REGIONAL

Page 1 of 6

Glossary of: » Health Coverage & Medical Terms « Deductible

An amount you could owe during a coverage period (usually one year) for covered healthcare services before your plan begins to pay.

An overall deductible Jane pays Her plan plan pays Jane pays Her pays applies to all or almost 100% 0% 1 0 0 % 0 % all covered itemsitems and almost all covered plan with an overall(See deductible have page 6may for also a detailed and services. services.A A plan with separate deductibles that apply to specific services or example.) an overall deductible may groups of services. A plan may also have only separate alsodeductibles. have separate deductibles that apply to specific (For example, if your deductible is $1000, services groups plan maymet alsoyour have$1000 only youror plan won’t of payservices. anything A until you’ve separate deductibles.

(For example, if your deductible is deductible for covered healthcare services subject to the $1000, your plan won’t pay anything until you’ve met deductible.)

your $1000 deductible for covered health care services Diagnostic Test subject to the deductible.)

Tests to figure out what your health problem is. For example, an x-ray can be a diagnostic test to see if you have Diaagbroken nosticbone.

Test

Tests to figure out what your health problem is. For example, an x-ray can Equipment be a diagnostic test to see if you Durable Medical (DME) Equipment and supplies ordered by a healthcare provider have a broken bone. for everyday or extended use. DME may include: oxygen equipment, wheelchairs, and crutches.

Durable Medical Equipment (DME)

Equipment and Medical supplies Condition ordered by a health care provider Emergency for everyday extended use.(including DME may include: An illness, or injury, symptom severe pain), oroxygen equipment, wheelchairs, and crutches. condition severe enough to risk serious danger to your

health if you didn’t get medical attention right away. If geteimmediate Emyou ergedidn’t ncy M dical Comedical nditionattention you could reasonably expect one of the following: 1) Your health An illness, injury, symptom (including severe pain), or would be put in serious danger; or 2) You would have condition enough to risk serious dangerorto3) your serioussevere problems with your bodily functions; You health if you didn’t get medical attention If would have serious damage to any part orright organaway. of your you body. didn’t get immediate medical attention you could

reasonably expect one of the following: 1) Your health Emergency Transportation would be put inMedical serious danger; or 2) You would have Ambulance services for an emergency medicalor condition. serious problems with your bodily functions; 3) You Types of emergency medical transportation may would have serious damage to any part or organ include of your transportation by air, land, or sea. Your plan may not cover body. all types of emergency medical transportation, or may pay less for certain types.

Emergency Medical Transportation

Emergency Room / Emergency Services Ambulance services forCare an emergency medical condition.

Services to check for an emergency medical condition and Types of emergency medical transportation may include treat you to keep an emergency medical condition from transportation by air, land, or sea. Your plan may not getting worse. These services may be provided in a licensed cover all types of emergency medical transportation, or hospital’s emergency room or other place that provides maycare payfor lessemergency for certain types.conditions. medical

Emergency Room Care / Emergency Services

Services to check for an emergency medical condition and treat you to keep an emergency medical condition from getting worse. These services may be provided in a

EExcluded xcludedServices Services

Healthcare plan doesn’t pay pay for or Health careservices servicesthat thatyour your plan doesn’t forcover. or cover.

Formulary

of drugs your plan covers. A formulary may include FAhow olist rmmuch ularyour y share of the cost is for each drug. Your Aplan listmay of drugs yourinplan covers. formulary may put drugs different cost A sharing levels or tiers. include how amuch yourmay shareinclude of thegeneric cost isdrug for and each drug.

For example, formulary brandplan namemay drugput tiersdrugs and different cost cost sharing amounts Your in different sharing levels will apply to each tier. or tiers. For example, a formulary may include generic

drug and brand name drug tiers and different cost sharing Grievance amounts will apply to each tier.

A complaint that you communicate to your health insurer or plan.

Grievance

AHabilitation complaint that you communicate to your health insurer Services or plan. services that help a person keep, learn or Healthcare

improve skills and functioning for daily living. Examples include therapy for a child who isn’t walking or talking at H abilitation Services the expected age. These services may include physical Health care services that speech-language help a person keep, learn or and occupational therapy, pathology, and improve skills and functioning for daily living. other services for people with disabilities in a varietyExamples of include a childsettings. who isn’t walking or talking at inpatienttherapy and/or for outpatient

the expected age. These services may include physical Health Insurancetherapy, speech-language pathology, and occupational A contract that requires a healthwith insurer to pay some and other services for people disabilities in aorvariety all of your healthcare costs in exchange for a premium. A of inpatient and/or outpatient settings. health insurance contract may also be called a “policy” or “plan.”

Health Insurance

Healthcare AHome contract that requires a health insurer to pay some or Healthcare services and costs supplies get in your all of your health care in you exchange for ahome premium. under your doctor’s orders.

Services may be provided A health insurance contract may also be called a “policy” by nurses, therapists, social workers, or other licensed or “plan”. healthcare providers. Home healthcare usually doesn’t include help with non-medical tasks, such as cooking, H ome H alth Care cleaning, oredriving.

Health care services and supplies you get in your home under yourServices doctor’s orders. Services may be provided by Hospice Servicestherapists, to providesocial comfort and support for persons the nurses, workers, or other licensedinhealth last stages of a terminal illness and their families. care providers. Home health care usually doesn’t include help with non-medical tasks, such as cooking, cleaning, or Hospitalization driving.

Care in a hospital that requires admission as an inpatient and usually requires an overnight stay. Some plans may H ospiceanSovernight ervices stay for observation as outpatient consider care instead of inpatient care. and support for persons in Services to provide comfort

the last stages of a terminal illness and their families.

Hospital Outpatient Care

Care in a hospital that usually doesn’t require an overnight

H ospitalization stay.

Care in a hospital that requires admission as an inpatient and usually requires an overnight stay. Some plans may consider an overnight stay for observation as outpatient care instead of inpatient care.

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Hospital Outpatient Care

Glossary of: » Health Coverage & Medical Terms « Individual Responsibility Requirement

Sometimes called the “individual mandate,” the duty you may have to be enrolled in health coverage that provides minimum essential coverage. If you don’t have minimum essential coverage, you may have to pay a penalty when you file your federal income tax return unless you qualify for a health coverage exemption.

In-network Coinsurance

Your share (for example, 20%) of the allowed amount for covered healthcare services. Your share is usually lower for in-network covered services.

In-network Copayment

Minimum Essential Coverage

Health coverage that will meet the individual responsibility requirement. Minimum essential coverage generally includes plans, health insurance available through the Marketplace or other individual market policies, Medicare, Medicaid, CHIP, TRICARE, and certain other coverage.

Minimum Value Standard

A basic standard to measure the percent of permitted costs the plan covers. If you’re offered an employer plan that pays for at least 60% of the total allowed costs of benefits, the plan offers minimum value and you may not qualify for premium tax credits and cost sharing reductions to buy a plan from the Marketplace.

A fixed amount (for example, $15) you pay for covered healthcare services to providers who contract with your health insurance or plan. In-network copayments usually are less than out-of-network copayments.

The facilities, providers and suppliers your health insurer or plan has contracted with to provide healthcare services.

Marketplace

Network Provider (Preferred Provider)

A marketplace for health insurance where individuals, families and small businesses can learn about their plan options; compare plans based on costs, benefits and other important features; apply for and receive financial help with premiums and cost sharing based on income, and choose a plan and enroll in coverage. Also known as an “Exchange.”

The Marketplace is run by the state in some states and by the federal government in others. In some states, the Marketplace also helps eligible consumers enroll in other programs, including Medicaid and the Children’s Health Insurance Program (CHIP). Available online, by phone, and in-person.

Maximum Out-of-pocket Limit

Yearly amount the federal government sets as the most each individual or family can be required to pay in cost sharing during the plan year for covered, in-network services. Applies to most types of health plans and insurance. This amount may be higher than the out-ofpocket limits stated for your plan.

Medically Necessary

Healthcare services or supplies needed to prevent, diagnose, or treat an illness, injury, condition, disease, or its symptoms, including habilitation, and meet accepted standards of medicine.

Network

A provider who has a contract with your health insurer or plan who has agreed to provide services to members of a plan. You will pay less if you see a provider in the network.

Also called “preferred provider” or “participating provider.”

Orthotics and Prosthetics

Leg, arm, back and neck braces, artificial legs, arms, and eyes, and external breast prostheses after a mastectomy.

These services include: adjustment, repairs, and replacement required because of breakage, wear, loss, or a change in the patient’s physical condition.

Out-of-network Coinsurance

Your share (for example, 40%) of the allowed amount for covered healthcare services to providers who don’t contract with your health insurance or plan. Out-ofnetwork coinsurance usually costs you more than in-network coinsurance.

Out-of-network Copayment

A fixed amount (for example, $30) you pay for covered healthcare services from providers who do not contract with your health insurance or plan. Out-of-network copayments usually are more than in-network copayments.

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Glossary of: » Health Coverage & Medical Terms « Out-of-network Provider (Non-Preferred Provider)

A provider who doesn’t have a(Non-Preferred contract with your plan to Out-of-network Provider Provider) A provider who doesn’t contract with your plan provide services.

If your have plan acovers out-of-network to provide yourmore plan covers services, you’llservices. usuallyIf pay to see out-of-network an out-of-network services, you’ll usually payprovider. more to see an out-ofprovider than a preferred Your policy will network provider than a preferred provider. Your policy explain what those costs may be. May also be called will explain what those costs may be. May also be called “non-preferred” or “non-particiapting” instead of “out“non-preferred” or “non-participating” instead of “out-ofof-network provider”. network provider.”

OuOut-of-pocket t-of-pocket LLimit imit

mostyou youcocould TheThe most uld pay during coverage pay during a acoverage period (usually one period (usually one year) year) for your share of forthe your share of the costs of covered costs of covered services. After you meet services.

After you will this limit the plan Janepays pays Her plan plan pays Jane Her pays usually meet this pay limit100% theof the 0% 100% 100% 0% allowed amount. plan will usually payThis (See page 6 for a detailed example.) limit of helps 100% theyou plan for healthcare costs. This limit never includes your premium, balance-billed charges or healthcare allowed amount. This limit helps you plan for health your plan doesn’t cover. Some plans don’t count all of your carecopayments, costs. Thisdeductibles, limit nevercoinsurance includes your premium, payments, out-ofbalance-billed charges or health care your plan doesn’t network payments, or other expenses toward this limit. cover. Some plans don’t count all of your copayments, deductibles, Physiciancoinsurance Services payments, out-of-network Healthcare a licensedtoward medicalthis physician, payments, or services other expenses limit. including an M.D. (Medical Doctor) or D.O. (Doctor of Osteopathic Medicine), provides or coordinates.

Physician Services

Health care services a licensed medical physician, Plan including an M.D.issued (Medical Doctor) D.O. (Doctor Health coverage to you directly or (individual plan) of Osteopathic Medicine), provides or coordinates. or through an employer, union or other group sponsor (employer group plan) that provides coverage for certain costs. Also called “health insurance plan,” Plahealthcare n “policy,” “health insurance policy” or “health insurance.”

Health coverage issued to you directly (individual plan)

or through an employer, union or other group sponsor Preauthorization (employer group plan) thatinsurer provides coverage for certain A decision by your health or plan that a healthcare health care costs.

Also called "health insurance plan", service, treatment plan, prescription drug or durable "policy", insurance ornecessary. "health medical"health equipment (DME) ispolicy" medically Sometimes called prior authorization, prior approval or insurance". precertification. Your health insurance or plan may require Prepreauthorization authorizationfor certain services before you receive them, except in an emergency. Preauthorization isn’t a A decision by your health insurer or plan that athe health promise your health insurance or plan will cover cost.

carePremium service, treatment plan, prescription drug or durable medical equipment (DME) is medically necessary.

Sometimes called prior authorization, prior approval or precertification. Your health insurance or plan may require preauthorization for certain services before you receive them, except in an emergency. Preauthorization isn’t a promise your health insurance or plan will cover the cost.

Premium

The amount that must be paid for your health insurance or plan.

You your usuallyinsurance pay it The amount thatand/or must be paidemployer for your health or plan.

You and/or your employer usually pay it monthly, monthly, quarterly, or yearly. quarterly, or yearly.

Premium Tax Credits

Premium Tax Credits

Financial help that lowers your taxes to help you and

Financial help that lowers your taxes to help you and your your family for health privateinsurance. health insurance. can get family pay forpay private You can getYou this help this help if you get health insurance through the if you get health insurance through the Marketplace and your income is and below a certain level.

Advance payments Marketplace your income is below a certain level. of the tax credit can be right away can to lower yourright Advance payments of used the tax credit be used monthly costs. away to premium lower your monthly premium costs.

Prescription Drug Coverage

Prescripunder tion aDplan rugthat Cohelps verapay ge for prescription drugs.

Coverage Coverage under a plan that helps pay prescription for prescription If the plan’s formulary uses “tiers” (levels), drugs.areIfgrouped the plan’s formulary uses (levels), drugs together by type or “tiers” cost. The amount you’ll pay in cost sharing be different for by each “tier” prescription drugs are will grouped together type or of cost. covered prescription drugs.

The amount you'll pay in cost sharing will be different for each "tier" of covered prescription drugs.

Prescription Drugs

Drugs and medications that by law require a prescription.

Prescription Drugs

Drugs and medications that by law require a prescription.

Preventive Care (Preventive Service) Routine healthcare, including screenings, check-ups, and patient Prevencounseling, tive Careto(prevent Prevenortivdiscover e Serviillness, ce) disease, or other health problems.

Routine health care, including screenings, check-ups, and

patient counseling, to prevent or discover illness, disease, or other health problems.

A physician, including an M.D. (Medical Doctor) or D.O. Primary Care Physician

(Doctor of Osteopathic Medicine), who provides or Primary Ca arange re Pof hyhealthcare sician services for you. coordinates

A physician, including an M.D. (Medical Doctor) or Primary Care Provider D.O. (Doctor of Osteopathic Medicine), who provides Aorphysician, including an M.D. (Medical or for D.O.you. coordinates a range of health careDoctor) services (Doctor of Osteopathic Medicine), nurse practitioner, clinical nurse specialist, or physician assistant, as allowed Primary Care Provider under state law and the terms of the plan, who provides, A physician,orincluding M.D. (Medical Doctor) or coordinates, helps you an access a range of healthcare D.O. (Doctor of Osteopathic Medicine), nurse services.

practitioner, clinical nurse specialist, or physician

Provider assistant, as allowed under state law and the terms of the

An individual or facilitycoordinates, that providesor healthcare services. plan, who provides, helps you access a Some examples of a provider include a doctor, nurse, range of health care services. chiropractor, physician assistant, hospital, surgical center, skilled nursing facility, and rehabilitation center. The plan Prorequire vider the provider to be licensed, certified, or may An individual or facility thatlaw. provides health care services. accredited as required by state

Some examples of a provider include a doctor, nurse, chiropractor, physician assistant, hospital, surgical center, skilled nursing facility, and rehabilitation center. The plan may require the provider to be licensed, certified, or accredited as required by state law.

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Glossary of: » Health Coverage & Medical Terms « Reconstructive Surgery

Surgery and follow-up treatment needed to correct or improve a part of the body because of birth defects, accidents, injuries, or medical conditions.

Referral

A written order from your primary care provider for you to see a specialist or get certain healthcare services. In many health maintenance organizations (HMOs), you need to get a referral before you can get healthcare services from anyone except your primary care provider. If you don’t get a referral first, the plan may not pay for the services.

Rehabilitation Services

Healthcare services that help a person keep, get back, or improve skills and functioning for daily living that have been lost or impaired because a person was sick, hurt, or disabled. These services may include physical and occupational therapy, speech-language pathology, and psychiatric rehabilitation services in a variety of inpatient and/or outpatient settings.

Screening

A type of preventive care that includes tests or exams to detect the presence of something, usually performed when you have no symptoms, signs, or prevailing medical history of a disease or condition.

Skilled Nursing Care

Services performed or supervised by licensed nurses in your home or in a nursing home. Skilled nursing care is not the same as “skilled care services,” which are services performed by therapists or technicians (rather than licensed nurses) in your home or in a nursing home.

Specialist

A provider focusing on a specific area of medicine or a group of patients to diagnose, manage, prevent, or treat certain types of symptoms and conditions.

Specialty Drug

A type of prescription drug that, in general, requires special handling or ongoing monitoring and assessment by a healthcare professional, or is relatively difficult to dispense.

Generally, specialty drugs are the most expensive drugs on a formulary.

UCR (Usual, Customary and Reasonable)

The amount paid for a medical service in a geographic area based on what providers in the area usually charge for the same or similar medical service. The UCR amount sometimes is used to determine the allowed amount.

Urgent Care

Care for an illness, injury, or condition serious enough that a reasonable person would seek care right away, but not so severe as to require emergency room care.

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Revised: 03/22; 04/22

P.O. Box 6910 • Canton, OH 44706

7574/22