What is FreedomCare?
Your employer has chosen to auto-enroll you into the FreedomCare Minimum Essential Coverage healthcare program. This plan includes 63 preventative and wellness benefits and fully satisfies your individual mandate.
Some benefits include:
- Vision screenings
- Diet counseling
- Cancer screening
- Oral health assessments
- Diabetes screenings
- Cholesterol screenings
How do I enroll?
You will be automatically enrolled within 90 days of your first assignment, unless you decline the coverage. During that time, you will have the opportunity to purchase additional products, including limited medical plans and FreedomCare’s Minimum Value Plan, or you can opt out entirely. If you would like to keep the auto-enrolled Minimum Essential Coverage, you simply do nothing. You will be charged $25 a month through a payroll deduction. Your spouse and dependents are also eligible for coverage at an additional rate of $40.77 per person per month. To enroll or opt out of FreedomCare Minimum Essential Coverage, please complete the Verification of Insurance Status form. To purchase additional products from the Value Plan, call the FreedomCare Enrollment Center at 1-844-300-6497.
Frequently Asked Questions
The Health Care Reform law is intended to ensure that all Americans have access to health insurance coverage. Here are some questions and answers to help you understand Health Care Reform and how it affects you.
DO I HAVE TO HAVE HEALTH COVERAGE?
As of 2014, U.S. citizens and lawful residents are required to have a basic level of health coverage for themselves and their dependents or they will pay a penalty (see below). You can avoid the penalty if you have basic health care coverage offered through:
- A government-sponsored program (e.g. Medicare, Medicaid, CHIP, TRICARE for Life, veteran’s health care program, or the health plan for Peace Corps volunteers)
- An eligible employer-sponsored plan (such as your employer’s health plan)
- A state’s individual health plan, or other approved coverage
ARE THERE ANY CONSEQUENCES FOR NOT HAVING COVERAGE?
As of 2014, individuals who do not have qualifying health care coverage will pay a tax penalty consisting of the greater of:
- A set dollar amount for each individual, spouse or dependent who is without coverage (the amount for individuals ages 18 or younger is half of the amount) — up to a maximum of three times the amount per family, or
- A percentage of household income (after exemptions and standard deductions) over the set level of income required for income tax return filing.
According to federal law, individuals who do not have qualifying health care coverage will pay a tax penalty consisting of the greater of a set dollar amount or a percentage of household income. The tax penalty for not having health care coverage begins in 2014 and increases in 2015 and 2016. Following 2016, the flat dollar penalty will be indexed for inflation, and the percentage of income will remain at 2.5 percent.
HOW MUCH IS THE MONTHLY PENALTY IF I DON’T HAVE QUALIFYING COVERAGE?
If you do not have qualifying coverage, the annual penalty may be divided by 12 to determine the penalty for each month you do not have coverage. The first penalties are due when you file your 2014 tax returns in 2015. The IRS provides additional information on the tax penalty requirements. We recommend that you consult with a tax adviser.
HOW CAN I FIND OUT IF I AM ELIGIBLE FOR MEDICAID OR MEDICARE?
Please visit www.medicaid.gov to determine your eligibility.
WHY IS MY EMPLOYER ENROLLING EMPLOYEES INTO MINIMUM ESSENTIAL COVERAGE?
A key part of the law requires employers to offer employees coverage and provide documentation to support this.
- Your employer is offering this plan as qualifying insurance for the individual mandate to help you avoid any tax penalties.
- Employers must offer Minimum Essential Coverage to be compliant with Health Care Reform.
- You have the ability to opt out of this coverage if you have other qualifying coverage or choose to pay the penalties.
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