The Jefferson Health Plan

October 2021

Issue #27

The latest JHP News and Announcements

CHECK IT OUT! www.thejeffersonhealthplan.org

Don’t forget to turn clocks back

November 7,2021

We’re upgrading the JHP website to better serve our members, prospects and broker partners. Please check it out!

Registration is Open!

JHP Fall Semi-Annual Membership Meeting & Educational Seminar 2021

Please join us for the Jefferson Health Plan Fall Semi-Annual Membership Meeting & Educational Seminar

Click the link above to register!

October Semi-Annual Membership Meeting & Educational Seminar

Wednesday, October 20 & Thursday, October 21 The Columbus Marriott Northwest
5605 Blazer Parkway ●Dublin, OH 43017

Biometric Screenings – Available for Participating Members JHP Financial Reports & Unwrapping Underwriting JHP & HealthReach
JHP Prescription Drug Programs Employee Assistance Program
Meet other member groups and JHP service providers Meet your JHP Team

Meeting and educational seminar attendees will receive professional development certificates.

Questions please contact: Shaye Nemeth Email: snemeth@thejeffersonhealthplan.org

Legal Update

JHP SERVICE CONTACTS
Billing billing@thejeffersonhealthplan.org

Investment (US Bank/Audit) invest@thejeffersonhealthplan.org

IRS Announces Indexing Adjustments for 2022 Employer Health Plan Affordability

Under the Affordable Care Act's (ACA) employer shared responsibility rules, applicable large employers (ALEs) are required to offer affordable, minimum value health coverage to their full-time employees (and offer coverage to the full-time employees’ dependents), or risk paying a penalty to the IRS. I.R.C. § 4980H.An ALE's health coverage is considered affordable if the employee's required contribution to the plan does not exceed 9.5% of the employee's household income for the taxable year (as adjusted each year). The IRS annually adjusts the affordability threshold by considering the ratio of premium growth to income growth in the preceding calendar year. The adjusted percentage was 9.83% for 2021. On August 30, 2021, in Revenue Procedure 2021-36 (https://www.irs.gov/irb/2021-35_IRB#REV-PROC-2021-36), the IRS announced that an employer-sponsored health coverage will satisfy the ACA affordability requirement in 2022 if the lowest-cost,self-only coverage option an ALE offersdoes not exceed 9.61%of anemployee'sincome. Becauseemployers arenot likelyto know the household income of their employees, there are three safe harbors under which an employer could determine affordability based on information that is readily available to the employer. These
three safe harbors are:

Moratoria moratoria@thejeffersonhealthplan.org

Renewals renewals@thejeffersonhealthplan.org

Legal and Compliance legal@thejeffersonhealthplan.org

Ohio Valley Pool ovp@thejeffersonhealthplan.org

Quotes quotes@thejeffersonhealthplan.org

Employee with Questions (Wellness & EAP)
jhpmember@thejeffersonhealthplan.org

Employer with Questions jhpemployer@thejeffersonhealthplan.org

Broker with Questions broker@thejeffersonhealthplan.org

Life Insurance lifeinsurance@thejeffersonhealthplan.org

Don’t know who to contact?

•	 Employees' W-2 wages, as reported in Box 1, generally as of the first day of the plan year.
•	 Employees' rate of pay, which is the hourly wage rate multiplied by 130 hours per month as of the first day of the plan year or, for salaried employees, 9.61 percent of the monthly salary as of the first day of the 2022 coverage period.
•     The federal poverty level, as published by the Department of Health and Human Services near the start of the new year.

Reach out to any

JHP ACCOUNT MANAGER

Kristin Fischer kfischer@thejeffersonhealthplan.org

Michelle Milliken mmilliken@thejeffersonhealthplan.org

Jen Motter jmotter@thejeffersonhealthplan.org

Legal Update continued . . .

These safe harbors are all optional. An employer may choose to use one or more of these safe harbors for all of its employees or for any reasonable category of employees, provided itdoes so on a uniform and consistent basis for all employees in a category.

ALEs (employers with 50 or more full-time and full-time equivalent employees, on average, in the prior calendar year) should be aware of the above updated, reduced affordability percentage for plan years beginning in 2022, when determining their group health plan offerings (for 2022 Maximum Out-Of-Pocket/HDHPs/HSAs Limits, see the JHP's Newsletter 26,

https://www.thejeffersonhealthplan.org/Newsletters.aspx)

and contribution strategies for the upcoming plan year since failure to offer affordable, minimum value coverage to full-time employees may result in employer shared responsibility penalties. Because this affordability percentagedecreased, an employer may end up with an unaffordable offer of coverage if 2022 health plan rates are the same as 2021. To maintain affordability, an employer may have to lower health plan rates in 2022. Employers that set their health insurance premiums based on ACA affordability should consider carefully reviewing their rates, and may contact a JHP Account Manager who will provide suggestionsas to the JHP’s unique minimum value plan.

COVID-19 Vaccine Booster Doses

The U.S. Food and Drug Administration (FDA) and Centers for Disease Control and Prevention (CDC) have authorized a booster dose of the Pfizer-BioNTech/Comirnaty COVID-19 vaccine for fully vaccinated people at highest risk for serious outcomes to maximize ongoing protection against COVID-19. At this time, recipients of the Moderna and Johnson & Johnson vaccines are not eligible for booster doses, pending ongoing evaluation. Immunocompromised individualswho meet certain, specific criteria and received an mRNA vaccine (eitherPfizerorModerna) arealreadyeligibleforathird dose
at least 28 days after the second dose to strengthen the initial

Annual

Medicare Part D

Notices Are Due

Before October 15

As another way to reach out to current JHP groups and communicate issues that directly impact our members, we will be providing updates on what is happening in the consortium.

If you have items that you would like to see in these updates, feel free to let us know!

Email: jhpemployer@thejeffersonhealthplan.org

immune	response.	Ohioans	will	be	able	to	check gettheshot.coronavirus.ohio.gov for the latest eligibility information and to find a vaccine provider near them.

Account Management Update

	
		Employee Assistance Program

Your organization and employees deserve the BEST!

EAP		JHP EAP Program Employee

Assistance Program
Upcoming monthly webinars for 2021:

October 19 - Embracing Diversity and Differences November 16 – Caring for Our Elders
December 21 – Paying it Forward

These 30-minute long webinars are free and can be accessed via: www.achievesolutions.net/jhp

Depression is a common mental health disorder that can rob people of hope, motivation, and focus. Worldwide, more than 264 million people of all ages suffer
from depression. And it has bottom-line consequences for their employers. Depression is the leading cause of disability, costing companies billions of dollars in lost work and decreased productivity each year.

The good news is that people with depression often respond well to treatment. With support, they’re able to lift themselves up and resume normal, productive lives.

The JHP EAP Program includes: EAP Counseling Achieve Solutions Work/Life Service Legal/Financial Services

www.achievesolutions.net/jhp Articles
Audio-Video Clips Webinars Trainings Assessments Resources

EAP Workplace Consultants (EWCs) work directly with managers and human resources staff to help them grow their skills and learn how to deal effectively with employees and workgroups providing: Trainings Health Fairs
Management Consultations

•	Flyer

o Webinar- “Recognizing Depression”- Achieve Solutions |

Recognizing Depression

Management Referrals Critical Incident Consultation Disruptive Event Management Consultation

o Assessment- “Depression Screening Questionnaire”- Achieve Solutions | Depression Screening Questionnaire

o Articles –

EWCs are available 24/7 to consult with managers on an unlimited basis at no additional charge.

Call: 1.877.233.0976

•	 “How Do I Help A Loved One or Friend Who Is Depressed?”-Achieve Solutions | How Do I Help a Loved One or Friend Who Is Depressed?

•	“What Is Chronic Depression?”- Achieve Solutions | What Is Chronic Depression?

•	“Change Thoughts That Make You Feel Depressed”- Achieve

Solutions | Change Thoughts That Make You Feel Depressed

Achieve Solutions is a Beacon Health Options website.

Finance & Underwriting Update

January 1 renewals will be released by October 8, 2021.

Annual Actuarial Valuation Reports

Annual reports are prepared by the JHP’s contracted Actuarial Firm in accordance with the requirements of ORC 9.833.

Reports for June 30, 2021 were uploaded to the Gilmore, Jasion, Mahler (GJM) ShareFile site in late September for all members.

If you need access to the GJM ShareFile site, please contact your Account Manager.

Current and historical reports are available on the site.

Documents for each fiscal year include: •	JHP Actuarial Valuation Report
•	Member specific “Liability and Funded Status Detail” which includes the Incurred But Not Reported (IBNR) amount used in your financial statements.

JHP offers an Infrastructure Loan Program for qualifying members. Contact Account Management for more information.

Over the last 3 years, JHP has helped members save over $134,280,000 in taxes and fees including:

A tax savings of $23,150,000 and Administrative fee savings of $111,130,000

In addition, JHP and our members have received Rx Rebates in the amount of $15,190,000

The Jefferson Health Plan
2023 Sunset Blvd. ● Steubenville, OH 43952 740.792.4010 www.thejeffersonhealthplan.org Facebook: JHP Twitter: @JHealthplan