Important Update Regarding the Anthem Cyber Attack

Notice from Anthem on February 6, 2015

Members who may have been impacted by the cyber attack against us should be aware of scam email campaigns targeting current and former members.  These scams, designed to capture personal information (known as “phishing”) are designed to appear as if they are from a health plan and the emails include a “click here” link for credit monitoring. These emails are NOT from us.

DO NOT click on any links in email.
DO NOT reply to the email or reach out to the senders in any way.
DO NOT supply any information on the website that may open, if you clicked on a link in email.
DO NOT open any attachments that arrive with email.

We are not calling members regarding the cyber attack and are not asking for credit card information or social security numbers over the phone.

This outreach is from scam artists who are trying to trick consumers into sharing personal data. There is no indication that the scam email campaigns are being conducted by those that committed the cyber attack, or that the information accessed in the attack is being used by the scammers.

We will contact current and former members via mail delivered by the U.S. Postal Service about the cyber attack with specific information on how to enroll in credit monitoring. Affected members will receive free credit monitoring and ID protection services.

For more guidance on recognizing scam email, please visit the FTC Website: http://www.consumer.ftc.gov/articles/0003-phishing.

We have created a dedicated website (www.AnthemFacts.com) where everyone can access information such as frequently asked questions and answers.

Letter From Anthem Regarding Their Hack

To our valued customers: Safeguarding your employee's personal, financial and medical information is one of our top priorities, and because of that, we have state-of-the-art information security systems to protect your data. However, despite our efforts, Anthem was the target of a very sophisticated external cyber attack. These attackers gained unauthorized access to Anthem's IT system and have obtained personal information from our current and former members such as their names, birthdays, member ID/Social Security numbers, street addresses, email addresses and employment information, including income data. Based on what we know now, there is no evidence that banking, credit card, medical information (such as claims, test results, or diagnostic codes) were targeted or compromised. Once the attack was discovered, Anthem immediately made every effort to close the security vulnerability, contacted the FBI and began fully cooperating with their investigation. Anthem has also retained Mandiant, one of the world's leading cybersecurity firms, to evaluate our systems and identify solutions based on the evolving landscape. Anthem's own associates' personal information - including our own - was accessed during this security breach. We join you in your concern and frustration, and we assure you that we are working around the clock to do everything we can to further secure your employees' data. Anthem will individually notify current and former members whose information has been accessed. We will provide credit monitoring and identity protection services free of charge so that those who have been affected can have peace of mind. We have created a dedicated website (www.AnthemFacts.com ) where members can access information such as frequently asked questions and answers. We have also established a dedicated toll-free number that both current and former members can call if they have questions related to this incident. That number is: 1-877-263-7995. As we learn more, we will continually update this website and share that information with you. And, we developed a memo template and FAQ to help you answer questions you may receive from your employees. We want to personally apologize to you and your employees for what has happened, as we know you expect us to protect your information. We will do everything in our power to make our systems and security processes better and more secure, and hope that we can earn back your trust.

Sincerely, Ken Goulet President, Commercial and Specialty Business Erin Hoeflinger Ohio Plan President

What You Need to Know About 2014 Taxes and Your Health Insurance

Confused filing your taxes in 2014 and showing you had health coverage?  You're not alone!  Here are the answers to the question we hear the most.

New check box on this year's tax form
When filing your 2014 federal income tax return, you'll see a new box asking if you had health care coverage last year.  If you were covered in 2014, you must check this box on the tax form so you won’t pay a penalty.

New tax forms 
1095-A   1095-B   1095-C

1095-A will be sent out in early February to everyone who enrolled through the marketplace. If you don't want to wait, you can also download a copy from your marketplace account online.

1095-B - This form shows that you have minimum essential coverage.  These forms will be sent to all fully insured members by the insurance company NEXT year.  These forms are not required until 2015 tax year.

1095-C - Applies to large employer groups. These forms are not required until 2015 tax year.

No special form needed for 2014 taxes if your coverage was NOT through the marketplace
Tax software programs may tell you that your health insurer will send them a form to submit with their taxes to show proof of coverage.  This is not true for the 2014 tax year filing.  You do not need to submit a form.  Most insurance companies are not sending members a form this time, because it's not needed until 2015. So, for next year's 2015 tax return, you will get a form showing you had coverage.

What are the penalties
Penalties for not having health care coverage during 2014 are as follows:
$95 for an adult
$47.50 per child
Maximum of $285 or 1% of a household’s income for a family
In some cases, a person may be exempt from having coverage and not have to pay a penalty. Your clients can visit this Internal Revenue Service (IRS) website  to learn more about that.

Information from:
Anthem Broker updated January 27,2015; "We’re telling members what they need to know about their taxes and health insurance"
https://www.healthcare.gov/taxes/marketplace-health-plan/ "If you had a health plan through the Health Insurance Marketplace in 2014"

Tiffany Geiger, President, Creekstone Benefits

InHealth Individual Premium Payments for 2015

Due to a high volume of interest and unforeseen delays in processing applications at the Federal Marketplace, InHealth is extending the payment deadline for January 1, 2015 coverage!

CURRENT Members (had coverage in 2014 with InHealth) will now have will have until January 30^th to pay without penalty for coverage effective January 1. Their new Member Kit and ID cards will be sent as soon as their payment is received. If they were already set up with automatic bill pay (ACH), their new premium payment will be deducted as in the past unless they informed us of a change.

If you not received an invoice yet? The invoice is on its way and should be received by January 5^th.

If you or the member has any questions or concerns, please call our Customer Care team at (800) 580-8502.

New members to InHealth and applied on the Federal Marketplace by December 15^th for January 1 coverage? They will have until January 15^th to pay for their coverage effective January 1st. Member Welcome Kits and ID cards will be sent once payment has been received.

To make a payment, new members should submit their payments as instructed on the invoice or call our Customer Care team at (800) 580-8502.

2015 Individual & Family Renewals

Due to changes in the health care law, we now have an Annual Open Enrollment Period.  As a result, insurance companies were required to change their renewal process.  If you applied for new individual/family coverage anytime in 2014 your renewal date will be January 1, 2015.    

During the upcoming open enrollment period, you will only have from November 15th - December 15th to make changes to your plan.   If you make changes after December 15th, your effective date will be later.  Please see the chart below for details on when you can make changes.

Completed Application	Effective
November  15 – December 15	January 1
December 16-January 15	February 1
January 16-February 15	March 1
After February 15 you must have a qualifying event to apply for coverage

This renewal date applies to:

• Anyone who has coverage through the Marketplace.
• Anyone who applied for new individual/family coverage in 2014.
• Anyone who enrolled during  the past open enrollment period
• Any new policy effective between June and December as a result of a qualifying event.  Please click on the following link for examples of a qualifying event

If you have any questions please contact us at (740) 967-0210.

Written By: Bud Fassnacht, Your Insurance Specialist

Modified Adjusted Gross Income (MAGI) What the Heck is It?

The Federal Government determines your eligibility for a premium subsidy and penalties for not having insurance on your Modified Adjusted Gross Income (MAGI). We get questions on this all the time.  To help simplify things (as much as taxes can be simplified) here is a quick explanation. (Please note, we are NOT tax professionals, this is NOT tax advice.)

What is MAGI?

Modified Adjusted Gross Income is your adjusted gross income (AGI) plus a few specific deductions.  In order to find your modified adjusted gross income, you first need to find your adjusted gross income.

Find Your AGI

Your adjusted gross income is your total or gross income minus certain deductions. You can find it on:

• Form 1040, line 38
• Form 1040A, line 22
• Form 1040EZ, line 4
• Form 1040NR, line 37

The Modified

Here is where the “modified” part comes into play. To find your MAGI you’ll have to add deductions some deductions back into your AGI:

• Non-taxable Social Security benefits
• Tax-exempt interest 
• Income from the foreign earned income exclusion
• Qualified Savings Bond interest income exclusion
• A few other things that are even rarer. . .

Once you add these deductions back to your AGI, you’ll have your MAGI.  Congratulations! 

The ever famous disclaimer:   This just an example.  We are not tax advisors, this is NOT tax advise!  Please contact your tax professional with any questions.  You can also find more detailed information here: UC Berkley Labor Center

Author, Tiffany Geiger, President

Where Can I Set Up an HSA Account?

You have a lot of options when setting up your HSA bank account.

• Your local bank
• Online banks
• Credit Unions

We recommend finding a place that does NOT charge setup or monthly of fees.

The 2 main places we recommend are:

Tower Bank or The HSA Authority .  They have no fees, easy set up and will work with employers to help make deductions easier. They know A LOT about HSAs.  If you have a question, they can answer it!

http://www.thehsaauthority.com/

The other local (Ohio) place we use is Powerco Credit Union.  They are great with local groups or individuals who really want a brick and mortar place.  They will even go out to an employer group and enroll employees.  This is great for groups with more than 15 employees on an HSA.    There are no monthly fees . The catch, the individual enrolling needs to either live, work, worship or attend school in Delaware, Franklin, Madison, or Union County.

http://www.pathwayscu.com/powerco/saving/health-savings-accounts/

We do not get any compensation from these places.  They have just done a good job in the past for our clients.

Author:Tiffany Geiger. President