2021 Benefit Yearfor Health Insurance

The 3 Easy Stepsof Enrollment

Administered by:

HealthOne Alliance, LLC

FUNDING

SHOP

ATTESTHow much is available? Go to HRASimple.com to find this information.

Shop the market for the right plan

Go to HRASimple.com & complete the 1Attestation form, the 2Individual/Family Health Coverage form AND a copy of your first 3invoice/statement

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3 Easy Steps

This symbol points to tips that may help along the way

Enter HRASimple.com into your internet browser.

Click the Portal Login link in the top right-hand corner and follow the instructions for registration.

HRASimple PortalAn online tool to assist in navigating the 3 Easy Steps

This is the HRASimple Portal Log-in & Registration Page

1st time users, click Register

HRASimple PortalAn online tool to assist in navigating the 3 Easy Steps

REGISTRATION PAGE

Employee number: found on your ID BadgeGroup Code: HHCS

If you have properly entered this information and receive an error message, contact your HR Department or HRASimple Customer Service at 888-851-9613.

HRASimple PortalAn online tool to assist in navigating the 3 Easy Steps

HRASimple Portal Home Page

Click on the top tool bar or on any of three easy steps in the middle of page to help guide you through the open enrollment process.

Use Request Reimbursement and Account Balance links in the top tool bar to manage your ICHRA after January 1, 2021.

HRASimple PortalAn online tool to assist in navigating the 3 Easy Steps

How much is HHCS making available to spend on health insurance premiums each month?

Register for access to the HRASimple portal on HRASimple.com and the portal will calculate your funding amount or click Hamilton Health Care Associates under the Organizations header and open the 2021 Associate HRA Funding Grid. Note that there are two options. There is one funding grid for full-time and a different one for part-time. Open the right grid for your status. Follow the instructions on the top of that document to determine your funding amount.

This completes Step 1.

Step 1: FUNDINGThe goal is to find that exact amount of funding available to you each month.

SHOP

There are many ways to shop for a health insurance policy.

The following pages provide options for assistance. There are step-by-step instructions on how to navigate HealthCare.gov/See-Plans, where most policies available to you will be displayed. Plans offered only through each insurance carriers' website may be more attractive, although fewer in number.

You can always use a Professional Broker. Brokers provide assistance by showing all your choices and helping you find the right plan.

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Next Steps

Buying a Health Insurance Policy

The monthly premium should be considered in light of your budget.

PRICE

All plans provide essential health benefits, but copayments, deductibles and coinsurance may influence which plan is more attractive.

PLAN

It is essential you verify that your preferred providers are in the network of the plan you choose.

PROVIDER

If you are prescribed maintenance medication, be sure to check the plans formulary to confirm it is available.

PHARMACY

Most plans offer disease management and other programs designed to help you maximize your benefits.

PROGRAMS

OnlineGreat site for viewing

most plans with comparison tools

HealthCare.gov/See-PlansTelephone

Live telephonic assistance

Great resource for those needing one-on-one assistance

BrokersView plans not seen on

HealthCare.gov/See-Plans & call their Customer Service line for

specific plan questions

Insurance Companies

1a 1b 2 3

Step 2: SHOPThe goal is to find the right health insurance plan for you and your budget.

• Professional brokers – find a local broker• LocalHelp.HealthCare.gov

• HealthCare.gov - Phone Assistance• 800-318-2596

• Various Insurance Companies - Customer Service• Visit HRASimple for a list of carriers by State,

along with contact information

Step 2: SHOP

Assistance from Others

Insurance Carrier Websites

Find a list of carriers and contact information on:

HRASimple.com

Other Ways to Shop

Step 2: SHOP

Click on your organization and find the 2021 Health Plan Options section.

Double click to open the appropriate State document.

Remember this website will show most of the plans available, but not all. You will not see off-Market plans offered by insurance carriers.

The good news is this site gives you a great place to start reviewing and comparing plans, with many features that help you narrow your choices.

READY TO BEGIN?

Enter HealthCare.gov/See-Plans and let’s start.

Step 2: SHOP

HealthCare.gov/See-Plans

• Enter your residential ZIP code

• Click your county of residence

• Click Continue

Which plans are available and the monthly cost is based on the county

where you reside.

Step 2: SHOP

In Section #2 “Tell us about you and your household” Click Start

See the blue box at the bottom of the page?

Do not click the box that says “See Full Price Plans” as it will only show you sample plans

based on a 35-year-old“.

You will NOT see YOUR plans.

Step 2: SHOP

Click Skip

Step 2: SHOP

• From this point forward, you must carefully follow the directions provided in this document.

• You will be presented with many options. • Choosing the wrong option will result in plans

displaying with the incorrect price or benefit.

FOLLOW THE INSTRUCTIONS IN THIS DOCUMENT

Remember the goal is to VIEW FULL PRICED PLANS

IMPORTANT INFORMATION

Step 2: SHOP

Do answer this question.

• Click "Just you" to see questions about insuring only you.

• Click "You and other people" to see questions about insuring you, your spouse and dependents.

• If clicking “You and other people” you will be asked questions about being married and how many dependents you claim on your tax filings. Answer the questions as they apply.

Step 2: SHOP

IMPORTANT REMINDER: No funding is available for your spouse if they are eligible for employer-sponsored coverage. This doesn’t mean you should not insure them, if they waive the coverage being offered.

DO answer these questions

Enter your age Enter your sexClick Continue

Your age is based on when the plan starts (which is January 1 for this enrollment period)

DO NOT CHECK ANY OF THESE BOXESYou may not see final plans for all people in

your family.

If you entered a spouse and dependents this same list of questions will appear. Apply the rules on this page to each person you enter.

Step 2: SHOP

YES… DO answer the age and sex questions

NO… DO NOT check any of these optional questions including ‘None of these’

Review and confirm:

• Age• Sex • No additional lines of data show (see next page

for an example)

If everything is correct, click Confirm

Step 2: SHOP

Here is an example of “Confirm your household member” with incorrect data.

If information like this is present,click on Edit and remove the check boxes.

Nothing other than Age and Sex should be present

Step 2: SHOP

Enter 987654321

This avoids confusion about subsidies and cost-share reduction plans

Click Continue

Because recipients of ICHRA funding are typically not eligible for subsidies or cost-share reductions,

entering this fictitious number helps avoid confusion.

Step 2: SHOP

Verify that you’re on the right track:

You should see this message, “May NOT be eligible for a premium tax credit”

You should see everyone you want insured listed in this box.

Click View Full Price Plans

Step 2: SHOP

This pop-up window will explain ways to assist you in comparing plans.

Click Next

Step 2: SHOP

This pop-up window will offer more information about the plans you are about to view.

Click See All Plans

The button says See All Plans, but you will only see On-Marketplace plans.

Step 2: SHOP

Once again, verify everyone you want insured is listed in this box.

If not, go back and make sure no optional checkboxes were selected.

Click on View Full Priced Plans

Step 2: SHOP

You can now review plans.Use “Filter Plans” to help narrow your options.

You may find the compare feature to be helpful.

Step 2: SHOP

If you find a plan you like and want to enroll in that plan on HealthCare.gov/See-Plans… click on

Step 2: SHOP

Insurance Carrier Websites

Be sure to check carrier websites to see off-Marketplace plans that might be attractive.

Carrier websites below are only examples and aren’t meant to be all inclusive in your area.

Other Ways to Shop

Step 2: SHOP

Once you have found the right plan, you must apply (enroll).

Step 2: SHOP

Complete the enrollment questions on the application of the health insurance plan you have chosen.

The last step is usually a request for payment. DO NOT MAKE A PAYMENT*

You can have HRASimple make payment for you.

If you are electing to have HRASimple make your payment… you have completed Step 2: SHOP

IMPORTANT NOTE: It may be necessary for you to say you will pay via check to have an invoice/statement generated.

Just send the invoice to HRASimple for payment.

Proceed to Step 3: ATTEST

*Part-time employees must pay the entire premium and submit a receipt for reimbursement

Step 2: SHOP

• If you would like to make the premium payment yourself be sure to make that payment prior to January 1, 2021 so your policy will become active.

• To be reimbursed, you must submit a receipt for reimbursement.

• You must still complete the Attestation and Individual Coverage forms.

Note that reimbursement for the January premium payment is not reimbursed until the start of the ICHRA plan, which is January1, 2021. Future reimbursements will take only a few days to process. If you are choosing this option, you are encouraged to sign up for Direct Deposit.

ATTEST

Go to HRASimple.com

Click on Hamilton Health Care Associates under the Organization header.

Under Required Forms, you will find two forms you will need to complete:• Annual Attestation Form• Individual/Family Plan Coverage Form

You are almost done.

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Step 3: ATTESTThe goal is to provide information about your insurance plan.

Step 3: ATTEST

After you have enrolled in a qualified health insurance plan come back to the HRASimple Portal and log on.

Click on Attest in the top tool bar.

A message bar will pop-up (shown here)

Click on the link that says Proceed to Step 3: ATTEST

ATTEST using the HRASimple Portal

Step 3: ATTEST

Answer the questions as they apply and click SUBMIT

The next page will show a summary of your options

Using the HRASimple Portal

Step 3: ATTEST

If you answer yes, please select a payment method option and submit

Using the HRASimple Portal

Step 3: ATTEST

After adding each member that is covered by the health insurance plan, this page will summarize your progress.

Be sure to come back and complete any outstanding requirements.

Once complete, the status bar will read:

Using the HRASimple Portal

Step 3: ATTEST

Part A: Complete and submit:• Annual Attestation form• Individual/Family Plan Coverage form

Part B: Submit a copy of your invoice or statement; which may not arrive for several days after enrollment.

HOW TO SUBMIT FORMS:• FAX:• US MAIL: HRASimple

PO BOX 1128Dalton, GA 30722

• EMAIL: Assist@HRASimple.com

This completes Step 3: ATTEST

HRASimple.com – ATTEST Manually

Step 3: ATTEST

CONGRATULATIONS, your enrollment is complete.

If you modify your health insurance policy in any way, be sure to contact HRASimple and update your account information.

If you have money left in your ICHRA, use HRASimple.com to manage forms, reimbursements, etc.

• Information• Educational documents• Educational videos• Forms

• Dedicated Customer Service - 888-851-9613• Extended hours• Saturday (certain dates)• Subject Matter Experts

• Email – Assist@HRASimple.com

HRASimple.com(HRASimple is the ICHRA Administrator for HHCS Associates)

Administered by:

HealthOne Alliance, LLC