posted on Sep, 26 2013 @ 05:02 PM
Hey everyone, as promised, please find the wording of the memo sent out to Federal Civilian Employees that must be endorsed by 30SEP13. Federal
employees are NOT exempted from this Healthcare Act, but, since they already have insurance, don't have to buy more insurance.
I would think the Tea Partiers and conservatives would like this Act since it is requiring people to pay for their own health insurance instead of
leeching off the workers.
Enjoy. If you have any questions or need further information, please let me know.
To: Federal Civilian Employees
Subj: NOTICE OF HEALTH INSURANCE MARKETPLACE COVERAGE OPTIONS
Ref: (a) The Patient Protection and Affordable Care Act, Public Law 111-148
(b) The Health Care and Education Reconciliation Act of 2010, Public Law 111-152
(c) Fair Labor Standards Act (FLSA), Affordable Care Act, Section 18B
1. Reference (a) and (b), collectively, the Affordable Care Act, establishes the Health Insurance Marketplace under Section 1311(b).
2. In accordance with reference (c), all Coast Guard Federal civilian employees require notification of coverage options available through the Health
Insurance Marketplace, please see the enclosed overview document for more information. It is important to note that the Health Insurance Marketplace
does not affect the Federal Employee Health Benefit Program (FEHB).
3. If you are ineligible to enroll in the FEHB Program or if you are eligible to enroll in the FEHB Program but you are not enrolled due to
affordability issues or concerns or if you are enrolled in the FEHB Program and have affordability issues or concerns, then you may wish to visit the
Health Insurance Marketplace to review marketplace coverage options at www.healthcare.gov. Please be aware that there is no government or employer
contribution to the premiums for Health Insurance Marketplace plans. Also, premiums are paid on an after-tax basis for Health Insurance Marketplace
4. The Affordable Care Act establishes a minimum value standard of benefits for employer-sponsored health plans. All health plans in the FEHB Program
are eligible employer-sponsored health plans. An employer-sponsored health plan meets the “minimum value standard” if the plan’s share of the
total allowed benefit costs covered by the plan is no less than 60 percent of such costs. Therefore, the minimum value standard is 60% (actuarial
value). The health coverage of all the plans in the FEHB Program meets the Affordable Care Act’s minimum value standard for the benefits that each
FEHB plan provides.
5. As a comparison point, the actuarial value of most FEHB plans meets or exceeds the actuarial value of the Silver Plan in the Health Insurance
6. If you are a Federal employee who is eligible to enroll in the FEHB Program but you do not enroll or if you cancel your FEHB enrollment, you should
be aware of the consequences of such actions including the following but not limited to:
If you die, you will not have an FEHB Self and Family enrollment for your survivor to continue, even if they are eligible for a survivor
If you retire, you will not have an FEHB enrollment to continue into retirement. Also, to be eligible to continue FEHB coverage after retirement,
a retiring employee must be enrolled or covered under the FEHB Program for the five years of service immediately before retirement, or, if less than
five years, for all service since the first opportunity to enroll. Employees can count their coverage under TRICARE toward meeting this
requirement. However, the employee must be enrolled in an FEHB health plan on the date of retirement to continue coverage.
7. For more information about your FEHB health insurance coverage, please visit www.opm.gov/insure or contact your Command Staff Advisor.
8. In accordance with reference (a), employees are required to acknowledge receipt of this notification by providing their immediate supervisor a
signed copy of enclosure (2).
Enclosure (1): New Health Insurance Marketplace Coverage Options and Your Health Coverage
(2): Acknowledgement Memo to Management