AultCare Insured Administration Guide 2024 by AultCare

Welcome to

At AultCare, You Matter!

Our commitment to teamwork alongside our network providers and hospital systems, allows us to offer convenient, local, personalized care to our members. Through teamwork, we provide YOU with excellent customer service, and quality cost-effective healthcare.

We are here for You!

1 | 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 the Service Center for questions regarding benefits that 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

Fax | 330-438-9804

Online Chat at aultcare.com

Billing Department

Company representatives may contact the Billing Department with questions in regards to monthly invoices.

Phone | 330-363-6360 or 800-344-8858

Fax | 330-363-5012

Email | aultcarebilling@aultcare.com

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 www.aultcare.com

* Company representatives are individuals authorized to request information on behalf of the company.

Employer Account

Registration Guide

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 in 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.

Thank you,

Your AultCare Team

1. Open a web browser and go to ww w.aultcare.com

2. 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.

• Select “Employers” as your “Membership Type” and click on the “Sign Up Now!” button.

Step 1

You must agree with our “Terms of Service” before you 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.

3. Click on “CONTINUE” button to proceed.

Step 2

Enter the following information

• 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.

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

2. Click “Add” button

3. The Group Number will then appear in a list box underneath

4. If you need to add more groups, repeat the steps in this section

Optional: If you already know someone at AultCare (e.g Account Coordinator), you can help us expedite the verification process for your employer account by supplying the following ”optional” information:

1. Enter your phone number

2. Enter the name of the person you know at AultCare; (e.g., Group Account Coordinator)

Click on “CONTINUE” button to proceed.

Step 4

Enter the following information

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, 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

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.

Optional on this page:

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

Click on “CONTINUE” button to proceed.

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. 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

Employer File and ID Card Retrieval Guide

1. Open a web browser and go to ww w.aultcare.com

2. Click Account Login in the upper right corner and select “Employer” from the drop down menu.

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.

My Dashboard

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

• • • 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

on the text labeled Download files that have been posted for you.

Step #2

When you click the dropdown list appear. From list, select the name to view (Based on your authorization, only particular names will be displayed.)

Step #3

employers who more than one AultCare account, the appropriate account from the down box.

files. (Based on your authorization, only those particular group names will be displayed.)

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.

3. Select the specific

4. Browse for the file you

5. Select

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

2. Select the group number associated with your file upload.

3. Select the specific file type.

Previously Uploaded Files

5. Select Upload.

Previously Uploaded Files

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

5. Select Upload

You can also see files previously uploaded.

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

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

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 #2

Click Search to view a list of active members.

2. Click Search

Enrollment Forms

The following information is provided to explain the process of enrolling and terminating employees and/or dependents. To ensure timely enrollment updates, please complete and return the Enrollment Application/Change Form or Cancellation and Continuation Form. If you would like information regarding electronic methods to complete enrollment changes, contact your Account Coordinator or Account Executive.

1. Step-By-Step Guide

This guide was created to assist with the completion of enrollment application/change form. The text denoted in red provides additional information to help understand what information is being requested.

2. Enrollment Application

All new employees and those employees requesting a change in their coverage, must complete this entire form, unless otherwise instructed. Spouse signature is required when waiving coverage.

3. Cancellation and Continuation Form

List all cancellations on this form. Utilize transaction codes for each change. Include enrollment form where indicated.

4. Important Information

All enrollment changes must be sent to AultCare within 31 days of qualifying event. Enrollment changes received before the 10th of the month will be reflected on the next monthly invoice.

Do not make enrollment changes on your monthly premium invoice.

Return completed enrollment forms to:

Email: aultcareeligibility@aultcare.com

Fax: 330-363-7746

Mail: AultCare Member Services

Questions may be directed to Customer Service 330-363-6360.

Fully Insured Eligibility Fact Sheet

• Effective Dates:

> Members effective on the first day of the month, will be invoiced for the entire month.

> Members effective after the first of the month, will not be invoiced until the following month.

> Members with an effective date and termination date within the same month, will be invoiced for that month.

> Members with a termination date after the first of the month will be invoiced for the entire month.

• Newborns:

> Employee must enroll newborn, and Employer must submit enrollment paperwork to AultCare within 31 days of birth.

• Termination Dates:

> Coverage ends on the end of the month the member terminates.

> Coverage for dependents turning age 26 ends on the end of month.

• Reinstatement of coverage - Return to work rules:

> Employers with 50 or more employees - Members may be reinstated on the plan within 13 weeks with no waiting period.

> Employers with less than 50 employees on a Small Group Marketplace Plan - Members may be reinstated on the plan within 13 weeks with no waiting period.

> Employers with less than 50 employees on a Transitional Relief Plan - Members may be reinstated on the plan within 14 days with no waiting period.

Guide for Completing the Enrollment Application/Change Form

Please complete this form in its entirety.

OTHER COVERAGE INFORMATION

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

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.

EMPLOYER USE ONLY

This section is to be completed by the employer representative.

Leased Network

Designate if the employee is accessing an out-of-area network. (Cigna, First Health Network, etc.) AultCare Effective Date Provide the date the coverage is set to begin.

Employer Group Numbers

List all AultCare group numbers that apply. (Medical, Dental, Vision)

Employee Location/Job Classification Use this section to designate an employee classification, 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.)

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.

Date __________

Signature______________

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.

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

Coverage Type(s) Requested: Check All that Apply

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.) This section is to be completed by the employee.

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.)

This section is to be completed by the employee.

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.

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. ADDITIONAL COVERAGE FOR DEPENDENTS

Enrollment Application/Change Form

Upon your effective date with this plan, will you or any of your family members have other health insurance?

If yes, please provide information below.

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

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

NO If yes, what is the effective date of your coverage?

YES

Do you have Medicare Part D coverage?

YES

Do you, or any of your dependents, have any cultural or linguistic needs?

If yes, what are they?

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.

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.

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.

Child(ren)

Spouse

Myself

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):

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.

submit this form to AultCare by one of the following methods:

Today’s Date:

Employer: Group Numbers: Completed By:

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.

Continuation of Coverage: F. COBRA Coverage Elected (Include Expiration Date, Copy of signed election form & proof of first payment) (This is not necessary if AultCare administers the COBRA) G. State Continuation of C overage (For employers under 20 –please indicate expiration date of S tate Continuation of C overage in the Comments s ection. Ple ase include a signed Continuation of C overage Election Form.)

Other : H. Other (Include detailed explanation)

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 Layof f & if Voluntary or Involuntary) D. CancellationWaiving (Specify in Comments if waiving coverage, include Enrollment Form with waiver section signed*.)

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

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

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

Open Enrollment FAQ

Q. What is the expected timeline for a Client/Employer to submit Open Enrollment changes once the Open Enrollment period has ended?

A. Submit Open Enrollment (OE) changes as soon as possible, but no later than 10 business days of the close of your OE period. Delays in OE submission will result in delays in member ID cards and coverage being in effect for prescription fills, as well as denied claims and incorrect monthly invoices. If this timeline is unattainable, contact your Account Coordinator or Eligibility Representative to establish an appropriate date for the submission of your OE changes.

Q. Can we send our OE changes in a different format than our standard process?

A. If you plan to send your OE in a format that you do not use currently, it is advisable to discuss this with your Account Coordinator to obtain approval before proceeding. Sending OE in a format that is not your standard could delay processing which will cause delays in getting ID cards to Employees.

Q. We are adding an ancillary product, i.e., dental, vision, life, etc. to our benefit package, how can we send enrollment to AultCare?

A. An enrollment election, within your standard enrollment process, is required to enroll the appropriate members into the new ancillary product.

Q. What is the expected time frame for our members to obtain ID cards?

A. Typically, it takes 7-10 business days for a member to receive their ID card once they are loaded into our system. At year end, enrollment must be delivered no later than the first Friday in December to guarantee ID card delivery by Jan. 1, otherwise, ID cards may be delayed.

Reminder: Members can view their ID cards on the website and mobile app once they have created a log in.

Q. Will all members receive new ID cards?

A. No, cards will only be issued to members on plans that have made benefit changes, i.e.: copayment, deductible, out of pocket.

Q. If we currently send paper applications for enrollment changes, is it necessary to send an application on every Employee during Open Enrollment?

A. No. If the Employee is not making plan election changes, adding or removing dependents/spouse, and/or does not have a demographic change, i.e. address change, then there is no need to complete and submit an enrollment application. Their current coverage will continue with no changes.

Q. Our current enrollment vendor has questions relating to the Open Enrollment process, who should they contact?

A. Please reach out to your Eligibility Representative or Account Coordinator for additional information.

Employer Group Size Information

Various state and federal laws have requirements based on employee counts in determining how each regulatory guideline applies to an employer sponsored health plan, including; the Patient Protection and Affordable Care Act (ACA), COBRA, State Continuation, Medicare Secondary Payor, etc. Each year, AultCare will request employers to complete the Annual Determination of Group Size Demographics form, to assist employers with this responsibility. When counting employees, it’s important to conduct a related employer analysis. This section will assist you in counting your employees and determining your group size.

• Annual Group Size Demographics:

> Employers with 20 or more employees on at least half of the working days during the previous calendar year are eligible to offer COBRA.

• Medicare Coordination - Working Aged Employees:

> Medicare coordination rules for working age employees are based on the Employer size to determine whether the Employer plan or Medicare is primary.

Employee Count Analysis

EMPLOYEE COUNT ANALYSIS

Various state and federal laws have requirements based on employee counts. When counting 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.

1. RELATED EMPLOYER ANALYSIS requires counting all employees of all members of the employers in a controlled group of companies or affiliated service group to determine employee count. Below is a summary of those groups.Bank Name

A controlled group may exist when two or more companies have any of the following:

• 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 of the group is owned by another member of the group, except for the common parent.

• A Brother-Sister Relationship: Exists when at least 50% of the voting power or total value of two or more organizations is owned by the same 5 or fewer persons taking into account only the ownership of each such organization that is identical for each other organization.

• A Combination Relationship: Exists when two or more organizations are members of a group that has common ownership which includes both parent-subsidiary relationships and brother-sister relationships, in which case all such organizations are considered the same controlled group of business.

An affiliated service group may exist when two or more organizations have a service relationship and/or ownership relationship with one another as satisfied by 1 of 3 tests (A-Org Test; B-Org Test; or Management Group Test).

More information about Controlled and Affiliated Service Groups can be found in the following IRS publication: https://www.irs.gov/pub/irs-tege/epchd704.pdf

2. GROUP SIZE FOR A FULLY INSURED PLAN OFFERING UNDER OHIO LAWnk Name

Under Ohio law, a small, Ohio-based employer, for purposes of a group health plan and with respect to a calendar year and a plan year, is an employer who employed an average of at least two but no more than fifty eligible employees on business days during the preceding calendar year and who employs at least two employees on the first day of the plan year. With “Eligible Employee” being defined as an employee who works a normal work week of thirty or more hours. Eligible employee does not include a temporary or substitute employee, or a seasonal employee who works only part of the calendar year on the basis of natural or suitable times or circumstances. Ohio Rev. Code § 3924.01

3. CONSOLIDATED OMNIBUS BUDGET RECONCILIATION ACT (COBRA) ANALYSIS

COBRA generally applies to all private sector group health plans as well as plans sponsored by state and local 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 part-time employees are counted, taking into consideration the above Related Employer Analysis. Each part-time employee counts as a fraction of a full-time employee. The fraction should be equal to the number of hours worked divided by the number of hours required to be considered full-time. (For example, a company requires a full-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.) If you have fewer than 20 employees, you may be subject to state continuation of coverage requirements under ORC 3923.38 depending on whether your group health plan is subject to state regulation. These plans typically include Insured, MEWA plans, and self-funded public employers.

For more information, visit https://www.dol.gov/sites/dolgov/files/EBSA/about-ebsa/our-activities/resource-center publications/anemployers-guide-to-group-health-continuation-coverage-under-cobra.pdf

4. MEDICARE SECONDARY PAYER (MSP) ANALYSIS

MSP is a federal law that requires Medicare pay secondary to group health plans unless certain circumstances apply. These exceptions are based on group size and the scenarios are listed below. This is not intended to be a comprehensive guide to the MSP law. As an employer group sponsoring a group health plan, you are required to maintain documentation regarding your total employee counts during the year. Please use the above Related Employer Analysis to report your employee count.

If Medicare requests a review of MSP status, AultCare will reach out to obtain information regarding your group size during the period in question. Medicare can inquire about claims that are several years old, so it’s imperative to maintain accurate records.

MSP SUMMARY RULES

Age 65 or older (employee or spouse) and group health plan due to current employment of the Medicare beneficiary or the beneficiary’s spouse

Age 65 or older (employee or spouse) and group health plan not due to current employment (e.g. through a retiree health plan or COBRA) of the Medicare beneficiary or the beneficiary’s spouse

Disabled under age 65 (employee, spouse, or dependent) and group health plan due to current employment of the Medicare beneficiary or the beneficiary’s spouse or parent

Employer with fewer than 20 employees

Employer with at least 20 employees full or part-time in at least 20 weeks of the preceding or current year (the 20 weeks do not have to be consecutive)

All employers regardless of the number of employees

Disabled under age 65 (employee, spouse, or dependent) and group health plan not due to current employment (e.g. through a retiree health plan or COBRA) of the Medicare beneficiary of the beneficiary’s spouse or parent

ESRD patient (employee, spouse, or dependent) during the first 30 months of Medicare ESRD coverage

During at least half the year of the employer’s regular business days in the previous calendar year, the employer had:

Employer with fewer than 100 employees

Employer with at least 100 employees during at least half the year of the employer’s regular business days in the previous calendar year

All employers regardless of the number of employees

ESRD patient (employee, spouse, or dependent) regardless of age beginning with the 31st month of Medicare ESRD coverage

All employers regardless of the number of employees

If, when ESRD coverage begins, the employer plan is already primary payer according to MSP provisions

If, when ESRD coverage begins, the employer plan is correctly secondary payer because it is not subject to the applicable MSP provisions for working aged or for disability

and COBRA coverage)

All employers regardless of the number of employees Medicare, regardless of coverage for age 65 or disability, for the duration of ESRD coverage

COBRA coverage)

(Active and COBRA coverage)

Annual Determination of Group Size Demographics

ANNUAL DETERMINATION OF GROUP SIZE DEMOGRAPHICS

Employer Name / Legal Name of Company

Group Number

1. RELATED EMPLOYER ANALYSIS

Employer Identification Number (EIN/TIN)

Does the attached Related Employer Analysis define your company as part of a controlled group or affiliated service group?  Yes  No

a. If yes, list the other Related Employer name(s):_________________________________________________________

b. If yes, consider that fact when answering all of the questions below.

2. GROUP SIZE FOR A FULLY INSURED PLAN OFFERING UNDER OHIO LAW*

For Ohio-based employer plans, provide the number of employees in the preceding calendar year that worked at least 30 hours during a normal work week? (Note: If your answer is between 2 to 50 employees, you will be offered a Small Group or MEWA plan option.)

*Self-funded plans or employers outside Ohio may skip this question.

3. CONSOLIDATED OMNIBUS BUDGET RECONCILIATION ACT (COBRA) ANALYSIS

To determine the appropriate continuation of coverage (COBRA vs State Continuation) provide the following counts for 50% of the typical business days in the previous calendar year:

employee.)

4. MEDICARE SECONDARY PAYER (MSP) ANALYSIS

a. Did you (including all Related Employers) have 100 or more full-time, part-time, seasonal employees or partners on 50 percent or more of your business days during:

The current calendar year?  Yes  No

The preceding calendar year?  Yes  No

b. Did you (including all Related Employers) have 20 or more full-time, part-time, seasonal employees, or partners for each working day in each of 20 or more calendar weeks (weeks do not have to be consecutive) during:

The current calendar year?  Yes  No

The preceding calendar year?  Yes  No

If you checked “Yes” for the current calendar year, and the 20-employee threshold was met during the current year, provide the date:_________________.

I understand AultCare is relying on my answers to the above questions to ensure overall compliance for my group health plan. I also understand the information submitted will be used to determine: whether Medicare will be the primary payer of claims for my Medicare-eligible insured(s), employer size for continuation of coverage, and employer size status under State and Federal regulations. I certify the answers are true to the best of my knowledge and belief. I also understand I am responsible for promptly notifying AultCare (as indicated above) if my answers to any of these questions change because our organization has increased or decreased the number of employees. I understand that CMS penalties may apply.

Signature of Company Officer or Authorized Representative Print Name

Title Daily Contact Email Address

Date Executive Email Address

Ohio’s Statutory Requirements

Continuation of Employee Health Care Coverage

• COBRA vs State Continuation:

> Employers with 20 or more employees on at least half of the working days during the previous calendar year are eligible to offer COBRA.

• Employer to determine COBRA administrator.

> Employers with fewer than 20 employees must offer State Continuation, for involuntary terminations, other than gross misconduct.

• Employer to administer.

Ohio’s

Statutory Requirements

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.

Termination of Employment

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

2) Involuntary termination other than gross misconduct

Ohio » State Continuation Guidelines «

Reservist called or ordered to active duty

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

1) Employee is a reservist called or ordered to active duty; and

Employee Spouse Dependent Child(ren)

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

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

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

1) 31 days after date Employee’s coverage terminates

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

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

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

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

2) Group policy is terminated by the Employer.

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

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

Employee Spouse Dependent Child(ren)

2) Policy in effect covers eligible person at time of active duty.

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.

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.

2) Group policy is terminated by the Employer.

|

Monthly Invoices

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

Examples of column headings include: Medical, Dental, Vision, various PPO Access Fees, COBRA and HIPAA. The last column provides the total fees for each employee.

• 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 invoices run by the 15th of each month and posted to the AultCare website, www.aultcare.com. Payment is then due by the date indicated. You will be notified by email when the invoices are available on your account.

Any adjustments made to enrollments, such as new additions or terminations, 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.

• It is your responsibility to review this monthly billing for accuracy.

• Please note: Payments must equal the Grand Total billed. Do not take adjustments to the amount due. Necessary adjustments due to enrollment changes will be made on next month’s invoice.

• Retrospective terminations will only be credited up to three months.

Please remit premium payment by:

• Electronic payments may be made to AultCare via ACH Transfer or AultCare may draft from your Account. To update your payment options, please contact your AultCare Account Management team for assistance.

The Statement Date is 15 days prior to the payment due.

This bottom portion of your Account Summary Statement is the Remittance Voucher. Every Remittance Voucher must be returned with your bill.

The Account Summary Statement is the name of your new bill(s).

Your group name will appear here.

Your group number will appear here. Each Account Summary Statement will have a unique Invoice Number.

Insured Plans 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

Huntington Bank: 800-480-4862

AultCare Corporation Account Number: 01039732131

Routing Code: 044115090

AultCare Draft from your Account: Yes No

Bank Name: __

Bank Contact & Phone Number: ___

Name on Account:_________________________________________________________

Tax Identification Number: __________________________________________________

Account Number: _____________________

Routing Code:

For quality assurance, please attach a copy of a voided check

Note: Automatic withdrawal on the 1st of every month

Completed by (printed name):

Signature:

Date:

Enrollee Questionnaires

The following section of information provides an explanation of various questionnaires that enrollees may receive if additional information is needed. Encourage employees to respond to any forms received in order to have their claims paid quickly and correctly.

1. Other Coverage Information Form (2-page form)

When other coverage information is needed, an Other Coverage Information form will be mailed to the employee for completion.

2. Accident Questionnaire

The Accident Questionnaire is mailed to a member to determine if an injury may be the responsibility of a third party. If a third party is at fault, AultCare will pursue reimbursement for the plan. Claims may be denied until the requested information is received.

3. 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).

Visit our website here to access important member forms.

OTHER COVERAGE INFORMATION FORM

Enrollee Name

Member ID #

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 the second page and return to AultCare.

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

Do you have health insurance in which you are the enrollee/policyholder for other than this AultCare plan?

 No: Previous Carrier Termination Date

Name

Yes: Complete below

Spouse’s Name Date of Birth Date of Marriage Is spouse employed?

Yes If Yes, Name of Employer

Enrollee Name

Member ID #

Please complete all information in this section for each child covered under your plan who have a different biological parent other than the enrollee and 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

If no, provide Address

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

Name of Other Biological/Adoptive Parent

Other Parent’s Address

Parent’s Date of Birth

Does child(ren) have insurance coverage other than this AultCare plan?  Yes  No

Same as spouse’s coverage?  Yes  No If no, please complete the information below.

Policyholder’s Name

Insurance Name

Check

Child’s Name

Relationship to Child

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

Policyholder’s Name

Relationship to Child Insurance

Part A Effective Date _______________

Part B Effective Date _______________

Part D Effective Date _______________

Reason for Medicare coverage:  Age 65 or older  Disabled  End Stage Renal Disease (ESRD)

Date dialysis treatment began _______________ Dialysis started at  Facility  Self/home dialysis Date of kidney transplant _______________

Part A Effective Date _______________

Part B Effective Date _______________

Part D Effective Date _______________

Reason for Medicare coverage:

 Age 65 or older  Disabled

 End Stage Renal Disease (ESRD)

Date dialysis treatment began _______________

Dialysis started at  Facility  Self/home dialysis

Date of kidney transplant _______________

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.

Enrollee’s Signature _______________________________________ __ Date ____________

Enrollee’s Phone Number _________________________ Email _____

Please mail, email, or fax this form to: AultCare Attn: COB, PO Box 6910 Canton, OH 44706 | email: aultcareeligibility@aultcare.com | or 330-363-7746 | Attn: COB Note: If any changes occur during the year, please notify AultCare at 330-363-6360 | 1-800-344-8858 | TTY: 711

INJURY/ACCIDENT QUESTIONNAIRE

Mail the completed form to: PO Box 6910 Canton, OH 44706

Group Number

Member Name

Member ID

Patient Name

All claims related to this injury/accident questionnaire will be DENIED until this questionnaire is fully completed and returned. If you have any questions, please contact AultCare at 330-363-6360 or 1-800-344-8858 (TTY: 711).

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

2. How did your injury/accident occur? _____________________________________________________________

3. Where did the injury/accident occur? (Please select the appropriate box.)

 Auto/motorized vehicle

 Home

 Business Property (Commercial)

 Private Property

 Medical treatment related

 Work (If yes, was a workers’ compensation claim filed?)  Yes  No

 There was no accident, sudden onset (Please contact AultCare)

Please sign and return form, or contact the Service Center.

 Other, please specify ________________________________________________________________________

4. Automobile Accident Information

a. If an automobile accident, were you  a driver,  a passenger,  a pedestrian?

b. If this was an auto accident, were all the covered family members involved wearing seatbelts at the time of the accident?  Yes  No

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

 Yes  No

d. If this was a motor vehicle accident, were you or a covered family member under the influence of drugs or alcohol? (Includes all motorized recreational vehicles, boats, etc.)  Yes  No

e. Is there a police report?  Yes  No

If yes, where can we obtain a copy? ______________________________________________________________

Member

5. Other insurance carrier information where a claim has been filed

Insurance name

Address

6. Were you responsible for the accident?  Yes  No

If yes, please sign and return the form. Do not complete questions 8-10.

7. Was another party responsible for your accident?  Yes  No

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

Name

Address Phone number

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

Address Phone

9. Have any payments been made for expenses incurred as a result of this accident?  Yes  No

If yes, please explain. _________________________________________________________________________

10. Have you retained an attorney?  Yes  No

If yes, what is the name, address, and telephone number of your attorney?

Name

Address

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.

I hereby authorize 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) outlined 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

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, AultCare Health Insuring Corporation (AHIC) which also does business as PrimeTime Health Plan, 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

Member 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 the personal representative must provide to access PHI about me

OR  No Password Needed

I understand I have the right to limit the information 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. However, if my authorization is for use/disclosure of substance abuse information, I understand 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. The following items must be checked to be included in the use and/or disclosure of health information pursuant to this Authorization (by leaving this section blank, I am imposing the following limitations on disclosure).

 (a) HIV/AIDS related information and/or records  (b) Mental health information and/or records

 (c) Genetic testing information and/or records  (d) Drug/alcohol diagnosis, treatment

Any other limitations described here:

I understand this authorization is voluntary and 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 this authorization is consistent with my request. I understand, 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.

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.

EMPLOYER GUIDE

SUMMARY OF BENEFITS AND COVERAGE

GLOSSARY OF HEALTH COVERAGE AND MEDICAL TERMS

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?

• 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

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

limit?

/ $5,000

non-participating

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

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

What’s an SBC and a Uniform Glossary?

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

• Out-of-pocket and annual limits

• In- and out-of-network provider coverage

• Coverage of common medical events

• Excluded services

• 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.

What is Culturally and Linguistically Appropriate Manner?

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.

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

Who will provide me with the materials I need for

distribution to my employees?

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.

• 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.

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.

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.

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.

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.

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).

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.

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

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.

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

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.

& What You Pay for

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 this 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, contact AultCare at 3303636360 or go to www.aultcare.com . For general definitions of common terms, such as allowed amount , b alance billing , coinsurance , copayment , deductible , provider , or other underlined terms , see the Glossary. You can view the Glossary at www. aultcare .com or call 3303636360 or 18003448858 to request a copy.

Generally, you must pay all of the costs from providers up t o the calendar year deductible amount before this plan begins to pay. If you have other family members on the plan , each family member must meet their own individual deductible until the total amount of deductible expenses paid by all family members meets the overall family deductible

Matters: What is the overall

Are there services covered before you meet your deductible ? Yes. Network preventive care and services that apply a copayment are covered before you meet your deductible . 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/preventivec arebenefits/ .

No. You don’t have to meet deductibles fo r specific services.

Are there other deductibles for specific services?

What is the outofp ocket limit for this plan ? For network medical providers $6 00 Individual / $ 1,5 00 Family For outofnetwork providers $ 1, 8 00 Individual/ $ 4,500 Family For Prescription Drugs $ 8, 85 0 Individual/ $ 17,4 00 Family The outofpocket limit is the most you could pay in a calendar year for covered services. If you have other family members in this plan , they have to meet their own outofpocket limits until the overall family outofpocket limit has been met.

Premiums , balancebilling charges , penalties, prescription medication coupon, discount, or other manufacturer assistance programs for Specialty or other qualified medications , and health care this plan doesn’t cover. Even though you pay these expenses, they don’t count toward the outofpocket limit .

What is not included in the outofpocket limit ?

Why This Matters:

Important Questions Answers

Will you pay less if you use a network provider ? Yes. See www.aultcare.com or call 3303636360 or 18003448858 for a list of network providers 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 outofnetwork 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 outofnetwork provider for some services (such as lab work). Check with your provider before you get services.

Do you need a referral to see a specialist ? No. You can see the specialist you choose without a referral .

costs shown in this chart are after

Deductible does not apply.

Specialty Medications must be obtained from AultCare’s Preferred Specialty pharmacies.

If a prescription drug is purchased without using your card, this Plan will pay up to the allowed amount . Certain Generic Medications may be subject to an incentive , which may reduce member cost share under the Generic Incentive Program. Certain p reventive medications may be covered at 100%, with no cost to you.

Certain classes of medications require Preauthorization or Step Therapy.

, whichever is greater;

$ 130 copayment or 45 %

, whichever is greater, up to a maximum of $400

You Will Pay Limitations , Exceptions , & Other Important

Provider (You will pay the most)

Network Provider (You will pay the least) Outof -

Prescription medication coupon, discount, or other manufacturer assistance programs for Specialty or other qualified medications will not apply toward your Deductible or OutofPocket Maximum . For a complete list of these medications and programs, visit the AultCare website at www.aultcare.com .

Deductible does not apply to this service.

You May

Services for Mental Health, Behavioral Health, or Substance Abuse are payable on the same basis as any other illness.

Benefits paid based on the corresponding medical benefit.

Preauthorization is required.

based on the

Benefits

You Will Pay

of -

Provider (You will pay the most)

Provider (You will pay the least)

Cost sharing does not apply to certain preventive services . Depending on the type of service, a copayment , deductible or coinsurance may apply.

Benefits paid based on the corresponding medical benefit.

Preauthorization is required.

Preauthorization

Must be injury/illness related. Manipulation therapy is limited to 35 treatments per calendar year.

Coverage is limited to Autism Spectrum Disorder. Services are limited to the following: Speech/Language/Occupational Therapy20 visits per calendar year for each service; and Clinical Therapeutic Intervention including ABA at 20 hours per week; and Mental/ Behavioral Healt h Outpatient Services.

Preauthorization is required. Coverage is limited to 50 days per calendar year.

Preauthorization is required for a single item with a

paid based on the corresponding medical benefit.

paid based on the corresponding

benefit.

Preauthorization is

Limitations , Exceptions , & Other Important Information

Network Provider (You will pay the least) OutofNetwork Provider (You will pay the most)

Services You May Need What You Will Pay

Coverage is provided for vision screening for all children at least once through age 18 years, to detect the presence of amblyopia or its risk factors.

Children’s eye exam No cost share

Children’s glasses Not covered Not covered

Children’s dental checkup Not covered Not covered

If your child needs dental or eye care

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 .)

• NonEmergency care when traveling outside the U.S.

• Routine Eye Care (Adult)

• Routine Foot Care

• Weight Loss Programs

• Bariatric Surgery

• Cosmetic Surgery

• Dental Care (adult)

• Hearing Aids

• Long Term Care

• Abortion (except in cases of rape, incest, or when the life of the mother is endangered , as allowed under applicable law )

• Acupuncture

Other Covered Services (Limitations may apply to these services. This isn’t a complete list. Please see your plan document .)

• Private Duty Nursing

• Habilitation Services

• Infertility Treatment

• Chiropractic Care

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 186 6444EBSA(3272) or www.dol.gov/ebsa/healthreform ; f or nonfederal governmental group health plans, contact Department of Health and Human Services, Center for Consumer Information and Insurance Oversight, at 18772672323 x61565 or www.cciio.cms.gov . C hurch 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 , v isit www.HealthCare.gov or call 18003182596.

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 1866444EBSA(3272) or www.dol.gov/ebsa/healthreform or call the Ohio Department of Insurance

180 06861526; for nonfederal governmental group health plans and church plans that are group health plans, contact AultCare at 18003448858 or call the Ohio Department of Insurance 18006861526.

For more information about limitations and exceptions, see the plan or policy document at

Does this plan provide Minimum Essential Coverage? Yes 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. If you are eligible for certain types of Minimum Essential Coverage , you may not be eligible for the premium tax credit . Does this plan meet the Minimum Value Standards? Yes 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: [Spanish (Español): Para obtener asistencia en Español, llame al 3303636360 / 18003448858.] [Tagalog (Tagalog): Kung kailangan ninyo ang tulong sa Tagalog tumawag sa 3303636360 / 18003448858.] [Chinese ( 中文 ): 如果需要中文的帮助 , 请拨打这个号码 3303636360 / 18003448858.] [ Navajo (Dine): Dinek'ehgo shika at'ohwol ninisingo, kwiijigo holne' 3303636360 / 18003448858.]

To see examples of how this plan might cover costs for a sample medical situation, see the next section.

PRA Disclosure Statement : According to the Paperwork Reduction Act of 1995, no persons are required to respond to a collection of information unless it displays a valid OMB control number. The valid OMB control number for this information collection is 09381146 . The time required to complete this information collection is estimated to average 0.08 hours per response, including the time to review instructions, search existing data resources, gather the data needed, and complete and review th e information collection. If you have comments concerning the accuracy of the time estimate(s) or suggestions for improving this form, please write to: CMS, 7500 Security Boulevard, Attn: PRA Reports Clearance Officer, Mail Stop C42605, Baltimore, Maryland 212441850.

For more information about limitations and exceptions, see the plan or policy document

About th ese Coverage Examples : 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 costsharing 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 a re based on selfonly coverage.

Glossary of Health Coverage & Medical Terms

This glossary has 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. Some of these terms also might not have exactly the same meaning when used in your policy or plan, and in any such case, the policy or plan governs. (See your Summary of Benefits and Coverage for information on how to get a copy of your policy or plan document.)

Bold blue text indicates a term defined in this Glossary. Also, See page 60 for an example showing how deductibles, co-insurance and out-of-pocket limits work together in a real life situation.

Allowed Amount

Maximum amount on which payment is based for covered health care services. This may be called “eligible expense,” “payment allowance” or “negotiated rate.” If your provider charges more than the allowed amount, you may have to pay the difference. (See Balance Billing.)

Appeal

A request for your health insurer or plan to review a decision or a grievance again.

Balance Billing

When a provider bills you for the difference between the provider’s charge and the allowed amount. For example, if the provider’s charge is $100 and the allowed amount is $70, the provider may bill you for the remaining $30. A preferred provider may not balance bill you for covered services.

Co-insurance

Co-payment

A fixed amount (for example, $15) you pay for a covered health care service, usually when you receive the service. The amount can vary by the type of covered health care service.

Deductible

The amount you owe for health care services your health insurance or plan covers before your health insurance or plan begins to pay. For example, if your deductible is $1000, your plan won’t pay anything until you’ve met your $1000 deductible for covered health care services subject to the deductible. The deductible may not apply to all services.

Durable Medical Equipment (DME)

Your share of the costs of a covered health care service, calculated as a percent (for example, 20%) of the allowed amount for the service. You pay co-insurance plus any deductibles (See page 4 for a detailed example.) you owe. For example, if the health insurance or plan’s allowed amount for an office visit is $100 and you’ve met your deductible, your co-insurance payment of 20% would be $20. The health insurance or plan pays the rest of the allowed amount.

Equipment and supplies ordered by a health care provider for everyday or extended use. Coverage for DME may include: oxygen equipment, wheelchairs, crutches or blood testing strips for diabetics.

Emergency Medical Condition

An illness, injury, symptom or condition so serious that a reasonable person would seek care right away to avoid severe harm.

Emergency Medical Transportation

Ambulance services for an emergency medical condition.

Emergency Room Care

Emergency services you get in an emergency room.

Emergency Services

Evaluation of an emergency medical condition and treatment to keep the condition from getting worse.

Excluded Services

Health care services that your health insurance or plan doesn’t pay for or cover.

Grievance

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

Habilitation Services

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

Health Insurance

A contract that requires your health insurer to pay some or all of your health care costs in exchange for a premium

Home Health Care

Health care services a person receives at home.

Hospice Services

Services to provide comfort and support for persons in the last stages of a terminal illness and their families.

Hospitalization

Care in a hospital that requires admission as an inpatient and usually requires an overnight stay. An overnight stay for observation could be outpatient care.

Hospital Outpatient Care

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

In-network Co-insurance

The percent (for example, 20%) you pay of the allowed amount for covered health care services to providers who contract with your health insurance or plan. In-network co-insurance usually costs you less than out-of-network co-insurance.

In-network Co-payment

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

Medically Necessary

Health care services or supplies needed to prevent, diagnose or treat an illness, injury, condition, disease or its symptoms and that meet accepted standards of medicine.

Network

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

Non-Preferred Provider

A provider who doesn’t have a contract with your health insurer or plan to provide services to you. You’ll pay more to see a non-preferred provider. Check your policy to see if you can go to all providers who have contracted with your health insurance or plan, or if your health insurance or plan has a “tiered” network and you must pay extra to see some providers.

Out-of-network Co-insurance

The percent (for example, 40%) you pay of the allowed amount for covered health care services to providers who do not contract with your health insurance or plan. Out-of-network co-insurance usually costs you more than in-network co-insurance.

Out-of-Network Co-payment

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

Out-of-Pocket Limit

The most you pay during a policy period ( usually a year) before your health insurance or plan begins to pay I00% of the allowed amount This limit never includes your premium, balance-billed charges or (See page 4 for a detailed example.) health care your health insurance or plan doesn’t cover. Some health insurance or plans don’t count all of your co-payments, deductibles, co-insurance payments, out-of-network payments or other expenses toward this limit.

Physician Services

Health care services a licensed medical physician (M.D. -Medical Doctor or 0.0. - Doctor of Osteopathic Medicine) provides or coordinates.

Plan

A benefit your employer, union or other group sponsor provides to you to pay for your health care services.

Preauthorization

A decision by your health insurer or plan that a health care service, treatment plan, prescription drug or durable medical equipment 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.

Preferred Provider

A provider who has a contract with your health insurer or plan to provide services to you at a discount. Check your policy to see if you can see all preferred providers or if your health insurance

or plan has a “tiered” network and you must pay extra to see some providers. Your health insurance or plan may have preferred providers who are also “participating” providers. Participating providers also contract with your health insurer or plan, but the discount may not be as great, and you may have to pay more.

Premium

The amount that must be paid for your health insurance or plan. You and/ or your employer usually pay it monthly, quarterly or yearly.

Prescription Drug Coverage

Health insurance or plan that helps pay for prescription drugs and medications.

Prescription Drugs

Drugs and medications that by law require a prescription.

Primary Care Physician

A physician (M.D. - Medical Doctor or 0.0. - Doctor of Osteopathic Medicine) who directly provides or coordinates a range of health care services for a patient.

Primary Care Provider

A physician (M.D. - Medical Doctor or 0.0. - Doctor of Osteopathic Medicine), nurse practitioner, clinical nurse specialist or physician assistant, as allowed under state law, who provides, coordinates or helps a patient access a range of health care services.

Provider

A physician (M.D. - Medical Doctor or 0.0. - Doctor of Osteopathic Medicine), health care professional or health care facility licensed, certified or accredited as required by state law.

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.

Rehabilitation Services

Health care 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.

Skilled Nursing Care

Services from licensed nurses in your own home or in a nursing home. Skilled care services are from technicians and therapists in your own home or in a nursing home.

Specialist

A physician specialist focuses on a specific area of medicine or a group of patients to diagnose,

manage, prevent or treat certain types of symptoms and conditions. A non-physician specialist is a provider who has more training in a specific area of health care.

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.

How You and Your Insurer Share Costs - Example:

Jane hasn’t reached her $1500 deductible yet. Her plan doesn’t pay any of the costs.

Office visit costs: $125

Jane pays: $125

Her plan pays: $0

Jane reaches her $1500 deductible, co-insurance begins.

Jane has seen a doctor several times and paid $1,500 in total. Her plan pays some of the costs for her next visit.

Office visit costs: $75

Jane pays: 20% of $75 = $15 Her plan pays: 80% of $75 = $60

Jane reaches her $5,000 out-of-pocket limit.

Jane has seen the doctor often and paid $5,000 in total. Her plan pays the full cost of her covered health care services for the rest of the year.

Office visit costs: $200

Jane pays: $0

Her plan

$200

AultCare Insured Administration Guide 2024

Welcome to

1 | Contact Information

Sales and Retention Department

Service Center

Billing Department

Member Services/Eligibility Department

Employer Account

Registration Guide

Welcome

Employer File and ID Card Retrieval Guide

My Dashboard

My Dashboard

Secure FTP Center

Downloading a File

Step #4

Uploading a File

Uploading a File

Member ID Cards on the Employer Portal

Enrollment Forms

Fully Insured Eligibility Fact Sheet

Guide for Completing the Enrollment Application/Change Form

Guide for Completing the Enrollment Application/Change Form

Enrollment Application/Change Form

TRANSACTION CODES

Open Enrollment FAQ

Employer Group Size Information

Employee Count Analysis

EMPLOYEE COUNT ANALYSIS

2. GROUP SIZE FOR A FULLY INSURED PLAN OFFERING UNDER OHIO LAWnk Name

3. CONSOLIDATED OMNIBUS BUDGET RECONCILIATION ACT (COBRA) ANALYSIS

4. MEDICARE SECONDARY PAYER (MSP) ANALYSIS

MSP SUMMARY RULES

Annual Determination of Group Size Demographics

ANNUAL DETERMINATION OF GROUP SIZE DEMOGRAPHICS

1. RELATED EMPLOYER ANALYSIS

2. GROUP SIZE FOR A FULLY INSURED PLAN OFFERING UNDER OHIO LAW*

3. CONSOLIDATED OMNIBUS BUDGET RECONCILIATION ACT (COBRA) ANALYSIS

4. MEDICARE SECONDARY PAYER (MSP) ANALYSIS

Ohio’s Statutory Requirements

Continuation of Employee Health Care Coverage

Ohio’s

Statutory Requirements

Continuation of Employee Health Care Coverage

Ohio » State Continuation Guidelines «

|

Monthly Invoices

Insured Plans Monthly Premium Funding

Enrollee Questionnaires

2. Accident Questionnaire

3. Designation of Authorized Representative Form

OTHER COVERAGE INFORMATION FORM

Enrollee Name

Member ID #

INJURY/ACCIDENT QUESTIONNAIRE

DESIGNATION OF AUTHORIZED REPRESENTATIVE FORM

EMPLOYER GUIDE

Summary of Benefits and Coverage

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?

POTENTIAL FINES AND PENALTIES

distribution to my employees?

When will I receive my SBC?

Who should receive the SBC?

When do I need to distribute the materials?

OPEN ENROLLMENT

ONLINE ENROLLMENT

AUTOMATIC RENEWAL

UPON REQUEST

SBC CHANGES

SPECIAL ENROLLMENT

MIDYEAR BENEFIT CHANGES

Frequently Asked Questions

Why This Matters:

Important Questions Answers

Glossary of Health Coverage & Medical Terms

Allowed Amount