Important Notices cont.
Notice of Privacy Practices
The School District of Clayton is subject to the HIPAA privacy rules. In compliance with these rules, it maintains a Notice of Privacy Practices. You have the right to request a copy of the Notice of Privacy Practices by contacting the Business Office at extension 6011.
Marketplace Options
Health Insurance Marketplace Coverage Options and Your Health Coverage
General Information... When key parts of the health care law took effect in 2014, there was a new way to buy health insurance: the Health Insurance Marketplace. To assist you as you evaluate options for you and your family, this notice provides some basic information about the Marketplace and employment - based health coverage offered by the School District of Clayton. What is the Health Insurance Marketplace? The Marketplace is designed to help you find health insurance, which meets your needs and fits your budget. The Marketplace offers “ one - stop shopping ” to find and compare private health insurance options. You may also be eligible for a new kind of tax credit, which lowers your monthly premium right away. Open enrollment for health insurance coverage through the Marketplace begins November 1, 202 3 through January 15, 202 4 .
Can I Save Money on my Health Insurance Premiums in the Marketplace? You may qualify to save money and lower your monthly premium. Savings depends on your household income.
Does Employer Health Coverage Affect Eligibility for Premium Savings through the Marketplace? Yes. If you have an offer of health coverage from your employer, which offers minimum essential coverage and meets affordability standards, you will not be eligible for a tax credit through the Marketplace. If you purchase health coverage through the Marketplace, you may lose any employer contribution offered for the employer - offered coverage. Employer and employee contributions for employer - offered coverage are often excluded from Federal income tax. Payment for Marketplace coverage is made on an after - tax basis.
More Information... New employees will receive a notice of Marketplace Coverage Options advising the standards of offered coverage. Please visit HealthCare.gov for more Marketplace information.
Medicaid CHIP Notice Premium Assistance under Medicaid and the Children's Health Insurance Program (CHIP) If you or your children are eligible for Medicaid or CHIP and you are eligible for health coverage from your employer, your state may have a premium assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs. If you or your children are not eligible for Medicaid or CHIP, you will not be eligible for these premium assistance programs but you may be able to buy individual insurance coverage through the Health Insurance Marketplace. For more information, visit healthcare.gov .
If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed on the DOL website provided below, contact your State Medicaid or CHIP office to find out if premium assistance is available.
If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, contact your State Medicaid or CHIP office or dial 1 - 877 - KIDS NOW or insurekidsnow.gov to find out how to apply. If you qualify, ask your state if it has a program that might help you pay the premiums for an employer - sponsored plan.
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