SelfInformed

December 2014


Benefits of The Month

Tuesday, December 16, 2014

Access to Affordable Health, Life and Dental Insurance

Representatives have a wide array of small business health insurance and financial products available to protect you and your assets, including Life insurance, Dental discounts and health insurance. Dental Insurance is provided by Renaissance Dental. Life insurance is provided by MetLife.

The Open Enrollment period for 2015 coverage is November 15, 2014 to February 15, 2015.

  • If you haven’t enrolled in 2015 coverage by February 15, you generally can’t buy Marketplace health coverage for 2015 unless you qualify for a Special Enrollment Period. If you’re enrolled in a 2014 Marketplace plan, your coverage ends December 31, 2014. This is true no matter when your 2014 coverage began.
  • To continue health coverage in 2015, you can renew your current health plan or choose a new plan through the Marketplace until February 15, 2015. If you want a new plan to start January 1, 2015, you must renew or change your plan by December 15, 2014. Learn about your 2015 options if you have 2014 coverage.
  • If you don’t have health coverage during 2015, you may have to pay a penalty. The fee in 2015 is higher than it was for 2014 — 2% of your yearly household income or $325 per adult/$162.50 per child, whichever is more.

If you don’t have coverage in 2015, you’ll pay the higher of these two amounts

  • 2% of your yearly household income. (Only the amount of income above the tax filing threshold, about $10,000 for an individual, is used to calculate the penalty.) The maximum penalty is the national average premium for a bronze plan.
  • $325 per person for the year ($162.50 per child under 18). The maximum penalty per family using this method is $975.


Source: HealthCare.gov/marketplace-deadline/2015

Renaissance Dental

Get exclusive access to dental plans that are designed to help you save money while maintaining a healthy lifestyle. PPO High and Low options are available.

How to Access this Benefit: Call (888) 791-5995 or click My Dental

Compare and Save with Renaissance individual or family plans.Enroll Today!

CVS Caremark Prescription Drug Card - Free for NASE Members

www.rxdiscounts.com/nase.html

The prescription discount program card is free – you can get it just for being an NASE Member! You can also call 888-436-3700 with questions or to fill your prescription. Start saving now on the medicines you need. Everyone can use the prescription discount card and save money regardless of income, age or insurance status. If you are uninsured or taking a drug that is not covered by your health plan, the prescription discount card can save you up to 55% on your entire households prescriptions needs including your pets! Did you know that the prescription discount card:

  • Provides an average savings of 20% per prescription*
  • Has already saved cardholders more than $475 million on prescription drug costs
  • Is accepted at over 59,000 pharmacies nationwide
  • Covers your entire household
  • Never expires!

The prescription discount program card is free – you get it just for being an NASE Member!

This is not insurance.

$10,000 to $20,000 included Term Life Insurance for NASE Members

Your NASE Membership provides you and your family with Principle Member Group Term Life Insurance Coverage from MetLife for no additional cost. No additional contribution is required from the member in order for this insurance protection to be provided.

Members Basic/Dependent Term Life Insurance Coverage:

Enter table for all membership levels.

 

Membership Level

Term
Life

Principle Member

Annual

$10,000

Spouse

Annual

$0

Dependent Children

Annual

$0

 

Sixty-day waiting period from date of joining the NASE required. At age 60 benefits reduce 75% and then cancel at age 65. Visit the MetLife benefit page for details.

All Members should login and download the MetLife Term Life beneficiary form. Designate a beneficiary for your life insurance benefits and return it to NASE at P.O. Box 241, Annapolis Jct., MD 20701-0241.

Like most group life insurance policies, MetLife group policies contain certain exclusions, limitations, terms and conditions for keeping them in force. Please contact NASE Member Services for complete details and a copy of the policy.

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