Healthcare Professionals
Open Enrollment: October 31–November 20, 2022
WELCOME
to your 2023 Benefits!
AMN is committed to providing comprehensive benefits that balance the flexibility you value with the affordability that’s important to all of us. AMN offers you a choice of options to protect you and your family’s health and well-being, so you can take control of your own health care choices and become an active participant in your own healthy living. Before enrollment begins, review the important information in this guide so you know what will be available for you in 2023 and what will happen if you do not make an election.
About this guide The information in this guide is intended to help you make your benefit decisions. It’s based on the plan provisions and laws in effect on January 1, 2023. If any conflicts arise between this guide and any plan provisions, the terms of the actual plan documents and/or insurance and administrative contracts will govern in all cases. AMN Healthcare intends to continue the plans, but reserves the right to change or end them at any time.
WHAT’S INSIDE Section 1
Medical Plan Resources
14
Voluntary Benefits
24
What's New or Changing in 2023
4
Prescription Drug Coverage
15
Legal Services
26
Eligibility
5
How To Find A Provider
16
Commuter Benefits Program
26
Enrollment
6
Health Advocate
17
Connect To Your Health Program Resources
27
Flexible Spending Accounts (FSA) 18
Section 2 How The Health Plan Works
8
Know Your Care Options
9
Blue Cross and Blue Shield (BCBS) Medical Plans 10 Kaiser Medical Plans
12
Hawaii Medical Plans
13
2 | AMN Healthcare
Health Savings Account (HSA)
19
Section 3
Dental Coverage
20
Benefits App
29
Vision Coverage
21
Healthcare Professional Rates
30
Life & Accidental Death & Dismemberment (AD&D)
Important Notices
31
22
Disability Insurance
23
SECTION 1 What's New or Changing in 2023
4
Eligibility5 Enrollment6
2023 Benefits Guide | 3
WHAT'S NEW OR CHANGING IN 2023 • Medical and Pharmacy + Plan networks, designs, and contributions have changed + Additional behavioral health resources + Medical will be offered by 3 medical carriers. The medical carrier that is available to you will depend on your work zip code.
• Dental + Dental will be offered by Cigna • Vision + Vision will be offered by VSP + Eye Exam Vision Copay will decrease to a $10 copay • Life and Disability
– Blue Cross and Blue Shield (BCBS)
+ Life and Disability will be offered by The Hartford
– Kaiser (Kaiser Regions and Hawaii)
+ Supplemental Life Insurance for Children enhanced to a flat $10,000
– HMSA (Hawaii) + NEW FOR 2023: Enhanced medical network access with BCBS
• FSA/HSA/Commuter + Spending Accounts will be offered by Optum
– PPO Plan: lower office visit copays and enhanced pharmacy benefits – Consumer Choice (HDHP $3,000) Plan: lower coinsurance and simplified pharmacy benefits + NEW FOR 2023: If you enroll in BCBS or Kaiser medical plans, you now have fertility benefits up to a $20,000 lifetime benefit + NEW FOR 2023: If you enroll in BCBS’s PPO medical plan, you pay $0 for eligible non-emergent procedures through SurgeryPlus. If you enroll in the Consumer Choice Medical Plan, there will be no out-of-pocket cost after you meet the deductible ($1,500 IRS minimum annual deductible applies).
Have questions about enrollment or your benefits? Beginning October 31, 2022, contact the AMN Benefits Team at 877-744-1546, option 2.
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ELIGIBILITY You are eligible if you work a minimum of 30 hours per week (20 hours per week in Hawaii) and are actively working on an assignment on the start date of your benefits.
Eligible Dependents • Your legal spouse or domestic partner • Your children, who include: + Natural children + Stepchildren + Legally adopted children + Foster children
+ Children of your domestic partner or common-law spouse + Children for whom you have legal guardianship
You can cover your children: • Up to age 26 • Up to any age for physically or mentally disabled children, as long as you provide proof of disability
Required Dependent Documentation Verification of dependent eligibility must be received prior to enrollment of any dependent. When you enroll your dependent, you will be instructed on how to submit proof of dependency. Documents are required to be submitted within 30 days of enrollment. Catch up deductions for your dependents’ portion of insurance premiums will be collected upon submission of the required documentation.
When Coverage Begins The benefits you elect during annual open enrollment will be effective on January 1 of the next plan year. Annual open enrollment occurs in the fall each year and is your opportunity to review your benefit options to determine what best meets your needs. The elections you make will remain in effect for the entire calendar year unless you have a qualifying event. New Hires: The Consumer Choice and PPO plans begin after a 30 day eligibility period. Hawaii coverage begins on the first of the month following your assignment start date. The Preventive Plan, Dental, Vision, Life and Voluntary benefits begin on your assignment start date. Catch-up deductions will be taken in addition to regular deductions once enrollment is complete. Your eligibility period will be waived if you have worked on an assignment within the last 13 weeks. Coverage In Between Assignments: Your benefits will continue if you start a new assignment on or before the 24th day from your last assignment end date. Since your benefits will continue, you do not need to re-enroll in coverage for your next assignment. However, you are responsible for any missed premiums during this time off. Your missed premiums will be added to your benefit deductions on your second paycheck of your next assignment. Missed medical premiums will have a deduction cap of $150 per paycheck until they are fully paid back. If you are not back on assignment within 24 days, you will be required to re-enroll in coverage for your next assignment. You can choose to enroll in any coverage for your next assignment, but you must complete the enrollment within 30 days of starting work or you will not have coverage.
When Coverage Ends Qualified Life Events Must be submitted within 31 days of the event You can only make changes to your benefits during the year if you have a qualified life event (e.g., marriage, divorce, birth, adoption, death). If you have a qualified life event, go to your AMN Healthcare Benefits Portal. Qualified life events must be submitted within 31 days of the event.
When Coverage Ends: Your insurance ends on the last day worked of your assignment unless you rebook and start within 24 days. You are responsible for any claims incurred after your assignment end date if you do not rebook. A COBRA packet will be mailed to your last known address to notify you of your rights to continue coverage on your own.
2023 Benefits Guide | 5
ENROLLMENT
Enrolling in your benefits is easy through the AMN HEALTHCARE BENEFITS PORTAL administered by Winston. Just follow these simple instructions to set up your account and enroll.
STEP 1: Create a New Account. Go to amnhealthcarebenefits.com and click Create Account. STEP 2: Enter Personal Information. Once you enter your
personal information, click Next.
STEP 3: Create Your User Name. Select and/or enter an email address of your choice as your user name. STEP 4: Create a Password. Password must be at least eight characters long and have three of these four elements: one uppercase character, one lowercase character, one special character, one numeric character.
STEP 5: Verify Your Information. Your recovery phone number and email address will pre-populate from information on file. Edit or verify the information, then click Next to log in. STEP 6: Enroll. Once in the system, click on Manage My Benefits and select the appropriate transaction (Open Enrollment, New Hire Enrollment, Change in Status, etc.). Follow the instructions. STEP 7: Confirmation. Review and confirm your elections and keep the confirmation page for your records.
Please note: If you are newly hired in 2023, and you do not make benefit elections during your new hire election period, you will not have coverage during your assignment. If you are working with O’Grady Peyton Int’l, you will be automatically enrolled in the Consumer Choice medical plan. You will need to waive that coverage within 30 days if you do not require medical while on assignment. Additionally, note that you will not be able to make any changes until the next annual open enrollment period unless you start a new assignment more than 24 days from your previous assignment’s end date or have a qualifying life event, such as marriage, domestic partnership, birth of a child or divorce, in which case you have 31 days to enroll and submit proof.
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SECTION 2 How The Health Plan Works
8
Know Your Care Options
9
Blue Cross and Blue Shield Medical Plans
10
Kaiser Medical Plans
12
Hawaii Medical Plans
13
Medical Plan Resources
14
Prescription Drug Coverage
15
How To Find A Provider
16
Health Advocate
17
Flexible Spending Accounts (FSA)
18
Health Savings Account (HSA)
19
Dental Coverage
20
Vision Coverage
21
Life & Accidental Death & Dismemberment (AD&D)
22
Disability Insurance
23
Voluntary Benefits
24
Legal Services
26
Commuter Benefits Program
26
Connect To Your Health Program Resources 27
2023 Benefits Guide | 7
HOW THE HEALTH PLAN WORKS AMN partners with the following medical plan carriers—BCBS, Kaiser and HMSA. The carrier you will be offered is based on your work ZIP code. When you enroll in the health plan, you pay a premium out of each paycheck. The outline below illustrates how your health plan works when you seek care.
January 1, 2023: (start of the plan year)
For those enrolled in a PPO (non-HDHP) plan, a copay is a fixed amount that you pay out-of-pocket for covered services, such as Primary Care Office Visits, Specialist Office Visits, Urgent Care and prescription drugs. For those enrolled in a PPO or HDHP plan, a deductible is the total amount you pay for covered services before the plan starts cost-sharing with you. The deductible applies to MRIs, Inpatient and Outpatient Care, Emergency Room, etc.
Once your deductible is met, you start sharing costs (coinsurance) with the health plan. For example, the health plan pays 80% while you pay 20% of your health care costs.
The annual out-of-pocket maximum is the total amount you will pay out of pocket for covered services during the plan year. Copays, deductibles, and coinsurance add up to the annual out-of-pocket maximum. Although most people do not meet their out of pocket maximum unless they require major health care, once the out-of-pocket is met, you are covered at 100% for the remainder of the plan year.
December 31, 2023: (end of the plan year) 8 | AMN Healthcare
You pay for the cost of care until your annual deductible is met.
You pay 20% coinsurance until you meet the out-of-pocket maximum.
You are covered at 100% for the remainder of the plan year.
KNOW YOUR CARE OPTIONS Call your primary care provider, even after hours, if you are unsure where to go.
Telehealth When you’re not feeling well or need care fast, have a visit in just minutes with a board-certified doctor. Open: 24/7/365
Primary Care Physician The go-to place for managing your health care. Your primary care provider knows your medical history best. Open: Weekdays. Providers are always on call.
Urgent Care Center Immediate care for conditions that are not life-threatening. Shorter average wait times than the emergency room. Open: Usually every day, morning to early evening.
Good for: • Cold & Flu
• Sinus Problems
• Ear Pain
• UTI Infections (Female, 18+)
• Pink Eye
Good for: • Annual physicals
• Chronic conditions
• Routine screenings
• Prescription refills
• Vaccines
• Anxiety and depression
• Sprains and strains
Good for: • Asthma
• Concussions
• Cuts requiring stitches
• Vomiting and diarrhea
• Broken bones
Good for: • Fever in a child less than 3 months old
• Severe stomach pain
Immediate care for life-threatening conditions, including heart attack and stroke.
• Chest pain
• Coughing or vomiting blood
Open: 24/7/365
• Sudden numbness, weakness or speech difficulty
Emergency Room
Freestanding Emergency Room Services do not include trauma care; can look similar to an urgent care center, but medical bills may be 10 times higher.
• Shortness of breath
• Uncontrolled bleeding • Mental health crisis
Good for: • Most major injuries except trauma
• Severe pain
Open: 24/7/365
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BLUE CROSS AND BLUE SHIELD (BCBS) MEDICAL PLANS Affordable care with choice is the key to our medical plan options. That’s why we’ve carefully selected carriers that will offer the highest quality networks with the deepest discounts. Below is a basic outline of the Medical Plans for 2023 through BCBS. The chart below shows what you pay in-network and is not a complete summary. For complete plan details, please refer to your BCBS plan documents.
In-Network Medical Plan Options Health Savings Account Annual Deductible Individual/Family Preventive Care
PPO* ($1,500 Plan)
PPO Basic* ($6,000 Plan)
Consumer Choice* ($3,000 HDHP)
MEC Plan (Preventive Care Plan)
Not Eligible
Not Eligible
Eligible
Not Eligible
$1,500/$3,000
$6,000/$12,000
$3,000/$6,000**
Not Applicable
Covered at 100%
Covered at 100%
Covered at 100%
Covered at 100%
20% after deductible
20% after deductible
20% after deductible
Not Applicable
Telehealth Primary Care/ Behavioral Health
$20 / $40
$20 / $40
20% after deductible
Not Applicable
Office Visits Primary Care/Specialist
$20 / $40
$20 / $40
20% after deductible
$30 copay (5 visits per year)
$7,000/$12,000
$7,000/$12,000
$7,000/$14,000
20% after deductible
20% after deductible
20% after deductible
Not Applicable
$50
$50
20% after deductible
$75 copay (2 visits per year)
$150 + 20% coinsurance
$150 + 20% coinsurance
20% after deductible
$200 copay (1 visit per year)
Coinsurance
Out-of-Pocket Maximum Individual/Family Hospital Services Urgent Care Emergency Room
Not Applicable
*All of your out-of-pocket expenses, including prescription drugs, apply to both your deductible and your out-of-pocket maximum. If you participate in the PPO plan, your copays and pharmacy expenses do not apply to your deductible (only to your out-of-pocket maximum). Contact the AMN Benefits Team for more information. ** For family coverage, the entire family annual deductible must be met before coinsurance is applied for any individual family member.
Rx Drug Coverage
PPO ($1,250 Plan)
PPO Basic ($6,000 Plan)
Consumer Choice ($3,000 HDHP)
MEC Plan (Preventive Care Plan)
Retail thru CVS Pharmacy (per 30-day supply) Generic
$10
$10
20% after deductible
$10 copay
Preferred Brand
$20
$20
20% after deductible
$40 copay
Non-Preferred Brand
$40
$40
20% after deductible
$80 copay
Specialty
$100
$100
20% after deductible
Not Covered
$25
20% after deductible
Not Covered
Mail Order thru CVS Pharmacy (per 90-day supply) Generic
$25
Preferred Brand
$50
$50
20% after deductible
Not Covered
Non-Preferred Brand
$100
$100
20% after deductible
Not Covered
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NEW PROGRAMS WITH BCBS SurgeryPlus
Behavioral Health Resources
SurgeryPlus is a new, highly effective and efficient network for best in-class doctors for specific non-emergent procedures, like back, knee or shoulder surgeries. If you are enrolled in the BCBS medical plan, when you have services rendered through the SurgeryPlus network, there will be no out of pocket costs for those services1.
Multi-disciplinary teams help identify, reach out to and engage members with coexisting medical and behavioral conditions. The program also includes:
• A dedicated Care Advocate will manage the entire procedure process for you, including locating a surgeon, scheduling appointments, transferring medical records and arranging all logistics. You’ll work with the same Care Advocate throughout the entire process, so they’ll know all the details of your case and ensure your topsatisfaction. • Hundreds of procedures are covered. Below is a list of the main categories; however, call SurgeryPlus to inquire about a specific procedure and a Care Advocate will assist you with your needs and questions. + Knee
+ Spine
+ Hip
+ GYN
+ Shoulder
+ Cardiac
+ Foot & Ankle
+ General Surgery
+ Wrist and Elbow
+ GI
• Digital Mental Health through Learn to Live that includes cognitive behavioral therapy-based programs for anxiety, depression and insomnia • Inpatient and outpatient utilization management • Specialty teams for opioid and substance use, autism and eating disorders • Personal support for members adjusting to a life event – or in need of intensive behavioral health services • Virtual Visits available with licensed behavioral health therapists are available by appointment to assist with Anxiety, Depression, Stress Management, and more.
Get Started with MDLIVE Call 888-680-8646 or visit mdlive.com/bcbstx.
+ ENT
Get Started with Surgery Plus Email
[email protected] or call 833-708-0140. 1
For those enrolled in one of the BCBS HDHP plans, the $1,500 IRS minimum annual deductible applies.
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KAISER MEDICAL PLANS Depending on where you live, you may have access to additional or different medical plans. If you live in certain regions of California, Colorado, Georgia, Maryland, Oregon, Virginia, Washington state, or Washington DC, you may have access to the Kaiser Consumer Choice plan. Remember, if you choose a Kaiser plan, you must see network providers to receive coverage (out-of-network services are covered only in emergencies).
Kaiser Consumer Choice*
In-Network Medical Plan Options Health Savings Account
Eligible
Annual Deductible Individual/Family
$3,000**/$6,000**
Preventive Care
Covered at 100%
Coinsurance
30% after deductible
Telehealth Visits
30% after deductible
Office Visits Primary Care/Specialist
30% after deductible
Hospital Care
30% after deductible
Emergency Care
30% after deductible
Urgent Care Outpatient Surgery
30% after deductible 30% (when in outpatient hospital or ambulatory surgery) after deductible
Out-of-Pocket Maximum Individual/Family
$6,500/$13,000
*All of your out-of-pocket expenses, including prescription drugs, apply to both your deductible and your outof-pocket maximum. Contact the AMN Benefits Team for more information. ** For family coverage, the entire family annual deductible must be met before coinsurance is applied for any individual family member.
Rx Drug Coverage
Kaiser Consumer Choice
Retail & Specialty (up to a 30-day supply) Generic 30% after deductible up to a max of $50 Preferred Brand
30% after deductible up to a max of $100
Non-Preferred Brand
30% after deductible up to a max of $100
Mail Order (up to a 90-day supply) Generic 30% after deductible up to a max of $50
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Preferred Brand
30% after deductible up to a max of $100
Non-Preferred Brand
30% after deductible up to a max of $100
HAWAII MEDICAL PLANS If you live in Hawaii, you have access to the Kaiser Hawaii and HMSA plans.
In-Network Medical Plan Options Annual Deductible Individual/Family Preventive Care Coinsurance Office Visits Primary Care/Specialist Hospital Care (Outpatient/Inpatient) Emergency Care Urgent Care Out-of-Pocket Maximum Individual/Family
Kaiser Hawaii
HMSA $350/$1,050
$0/$0 Covered at 100%
Covered at 100% after deductible
10%
20%* after deductible
$20 / $20
$17 copay* after deductible
$75/day / $20/visit
20%* after deductible
$75/ day
20%* after deductible
$20 in service area 20% out of area
$17 copay* after deductible
$2,500/$7,500
$3,000/$9,000
* Services are subject to the deductible. The Hawaii plans do include some coverage for dental and vision. Enrollment in additional coverage for those benefits is allowed.
Prescription coverage is covered by the corresponding medical carrier. You must use their network pharmacies to receive benefits. Rx Drug Coverage
Kaiser Hawaii
HMSA
$3 maintenance/$10 other
$7
Retail & Specialty (up to a 30-day supply) Generic Preferred Brand
$45
$30
Specialty
$200
$100
$6 maintenance/$20 other
$11
Preferred Brand
$90
$65
Non-Preferred Brand
n/a
n/a
Out-of-Pocket Maximum
n/a
$3,600 Individual/$4,200 Family
Mail Order (up to a 90-day supply) Generic
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MEDICAL PLAN RESOURCES If you enroll in AMN medical coverage, you are eligible to participate in several programs to improve your health. TELEMEDICINE SERVICES enable you to skip traditional office visits for certain non-serious conditions. Your carrier’s telemedicine provides 24-hour access to a variety of boardcertified medical professionals who are available to consult with you by phone and/or video chat. Note that certain state restrictions may apply or limit availability.
HEALTH MANAGEMENT SERVICES, such as utilization management, are intended to encourage the highest quality and cost-effective care. Case management programs support you and your family when you have complex care needs associated with severe illness, injury or other conditions, such as a high-risk pregnancy, cancer treatment or a transplant.
NURSE LINE SERVICES allow you to contact experienced, registered nurses toll free, 24/7. During a confidential conversation, you may be given information on self-care, referred to your physician or advised to go to an urgent care center or emergency room.
DISEASE MANAGEMENT programs like case management and condition support supplement your doctor’s care for health conditions such as asthma, cancer, depression, diabetes, heart disease, high blood pressure and stroke, which require special care and attention. Experienced registered nurses can help you prepare for physician visits, ask questions and reduce the barriers that may interfere with your health.
MATERNITY MANAGEMENT gives you the resources of an experienced maternity nurse who can offer advice and answer your questions so you can have a healthy pregnancy. You will receive support through every stage of pregnancy and delivery.
You can learn more about these medical plan resources on your carrier’s website. BLUE CROSS AND BLUE SHIELD
KAISER
HMSA
Visit bcbstx.com or call 800-521-2227.
Visit kp.org.
Visit hmsa.com.
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PRESCRIPTION DRUG COVERAGE When you enroll in our medical coverage (excluding Kaiser and HMSA), you automatically receive prescription drug coverage provided by CVS Caremark. To use your prescription drug coverage wisely, keep these important requirements in mind: Generic Prescriptions: You will pay less when you choose generic medications. Unless a brand medication is medically necessary if you choose a brand medication when a generic is available, you will pay the generic copay plus the difference in the cost between the two medications. Maintenance Medications: For convenience, you may choose to fill your prescriptions for maintenance medications for up to a 90-day supply through a retail CVS Pharmacy (including those within a Target) or through the CVS Caremark mail order service. You will typically pay less for a 90-day supply of medication than for three 30-day supplies. Utilization Management: Prescription drug coverage includes features (like prior authorization, step therapy, and quantity limits) to help make sure the medicines covered by your prescription benefits are used safely and appropriately, and the benefit plan is kept as affordable as possible. This means that for some medications, CVS Caremark will need to conduct a confidential, clinical review to determine whether coverage will be provided by your plan based on clinical guidelines.
Pharmacy Rx Management Programs When you fill your prescriptions at CVS, your pharmacist may consult with you or your doctor about alternative prescriptions as a result of the enhanced programs highlighted below. These services are designed to help you manage your health in more affordable and effective ways. Pharmacy Advisor Support: Assists members with specific chronic conditions by face-to-face pharmacy counseling at the point of fill, improving disease management and simplifying prescription refills. Drug Savings Review (DSR): Identifies opportunities to retroactively review medication therapies. Timely, actionable interventions are sent to prescribers to request memberspecific modifications to drug therapy. Advanced Control Formulary (ACF): Based on marketplace trends and competitive analysis, ACF offers cost effective care by covering most generics, select brands and specialty drugs. AccordantCare Specialty: Supports and empowers individuals with specific chronic conditions. Care management nurses provide comprehensive patient education, medication and symptom management, including coordination of care with other health care providers to ensure the most appropriate plan of care.
Exclusive Specialty Pharmacy Program: Specialty drug pharmacy services are included through the CVS Caremark specialty pharmacy. To obtain specialty drugs, please visit caremark.com/manage-prescriptions/specialty.html or call Specialty Customer Care toll free at 800-237-2767. Prudent Rx Program: Prudent Rx Program is a program that may help members save on specialty medications. Once you are enrolled, you will pay $0 out-of-pocket cost for medications on your plan’s specialty drug list dispensed by a retail CVS Specialty Pharmacy, as well as selected highcost limited distribution drugs (LDDs) as outlined within the PrudentRx Copay Program. This program is only available to members enrolled in the PPO medical plan. Kaiser Preventive Drug List: Preventive Maintenance drugs on the Kaiser PDL bypass the plan’s deductible. The Kaiser PDL is only available to members enrolled in the Kaiser Consumer Choice plan. It does not apply to the Kaiser HMO. Members may request a complete copy of the Kaiser PDL by calling Member Services at 404-261-2590 or online at kp.org.
2023 Benefits Guide | 15
HOW TO FIND A PROVIDER To search for doctors, you may contact Health Advocate at 877-776-6211, email
[email protected], or follow these instructions to search for providers in a particular carrier network.
Blue Cross and Blue Shield
Kaiser
• Go to bcbstx.com.
• Go to kp.org.
• Click Find Care then Find a Doctor or Hospital.
• On the top left of the screen, click on Choose your region and select your applicable Kaiser region.
• Login with member information or search as a guest. • Select the Blue Choice PPO (BCA) network • Phone: Call BCBS at 800-521-2227 and a customer service representative can help you locate an in-network provider or hospital.
HMSA • Go to hmsa.com • On the top right of the screen, click on Find a Doctor. • Click on Health Plan Hawaii (HMO). • Click search, then complete your search criteria.
• Click on Doctors & Locations. • Under Find doctors & locations, scroll down and specify your location or enter your ZIP code, distance or city, provider type and your search terms. Click Search.
Need additional help? Beginning October 31, 2022, contact the AMN Benefits Team at 877-744-1546, option 2. You can also log into the AMN Healthcare Benefits Portal administered by Winston.
CVS Pharmacy Stores vs. CVS Caremark Network Pharmacies Specific mention of CVS Pharmacy refers to an actual CVS Pharmacy store, while general mention of retail pharmacies refers to any pharmacy in the CVS Caremark pharmacy network. For a complete list of pharmacies in the CVS Caremark pharmacy network visit caremark.com.
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HEALTH ADVOCATE Health Advocate makes health care easier for you and your family members to: • Find the right doctors and hospitals; schedule appointments and transfer medical records • Arrange second opinions for complex medical conditions; research the latest treatments • Coordinate care and schedule follow-up visits; arrange post-hospitalization care, durable medical equipment, facilitate pre-authorizations • Decision support: educate and coach, answer questions about results, treatment options and medications • Clarify coverage and benefits; resolve billing issues, explain what is covered including deductibles, copays, explanation of benefits (EOB), and identify alternative resources for non-covered services
Health Advocate is available to all benefits eligible healthcare professionals even if you waive coverage. When you have Health Advocate, your spouse, your dependents, your parents and your parents in-law can also use Health Advocate even if they are not covered on your medical plan. To speak with a Personal Health Advocate, call Health Advocate at 1-877-776-6211 or email
[email protected]. Normal business hours are Monday through Friday, from 5 a.m. to 7 p.m., Pacific Time. After hours and during weekends, staff is available for limited assistance. You can also access Health Advocate services on the go by downloading the Health Advocate mobile app. Get it from the App Store (iOS) or on Google Play (Android).
• Close gaps in care and assist with needed health care steps Throughout the enrollment period, you can get personalized assistance to help you understand your plan options. Your Personal Health Advocate can answer questions which will allow you to select the most appropriate plan for you and your family.
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FLEXIBLE SPENDING ACCOUNTS (FSA) Flexible Spending Accounts (FSA) allow you to put aside pre-tax dollars to pay for eligible expenses. Through Optum, AMN Healthcare offers a Dependent Care FSA. You must re-elect your FSA each year if you wish to participate.
Increase Your Take-Home Pay You can contribute up to $96.15 weekly in 2023 (IRS regulations state that you can contribute up to $48.07 weekly if you’re married and file your taxes separately from your spouse/domestic partner) to reimburse yourself for certain dependent care expenses for eligible dependents. Eligible expenses for eligible dependents are allowed only if they enable you and your spouse/ domestic partner, if applicable, to work (or spouse/domestic partner to attend school full time).
Important Reminder: Plan Carefully Money left over in an FSA doesn’t roll over to the next year. You’ll lose it if you don’t use it. So plan wisely when deciding how much you may want to contribute for the 2023 calendar year. And remember, claims must be incurred during the calendar year and must be submitted for reimbursement no later than March 31st of the following year. All expenses must be incurred prior to your assignment termination. After you end your assignment, expenses incurred while you were actively employed must be claimed by March 31st of the following year or you will lose the money.
Types of FSAs Who can participate? What is the maximum amount that can be contributed each year? How can I use the money? What money can I use when I have an eligible expense? How do I access my money?
Dependent Care FSA* Healthcare professionals who work a minimum of 30 hours per week (20 hours per week in Hawaii) and are actively working on an assignment on the start date of your benefits Single, head-of-household or married filing jointly: $5,000; Married filing separately: $2,500 Eligible out-of-pocket child or adult dependent day care expenses — dependent medical expenses ARE NOT eligible Only the funds that are in your account at that time Submit a claim for reimbursement through the Optum portal, Optum app or through mail
* NOTE: Healthcare professionals who are classified as highly compensated for 2023 (those who earned $135,000 + in 2022), will be subject to a reduced dependent care contribution amount of $1,500 for 2023. If after AMN completes its annual IRS non-discrimination testing for 2023 and an additional reduction is required, you will be contacted directly by the AMN Benefits Team.
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HEALTH SAVINGS ACCOUNT (HSA) A Health Savings Account (HSA) is a plan designed to help you manage health care costs by allowing you to set aside money to pay for out-of-pocket medical expenses and to save for retirement. You can think of it as a personal savings account for medical expenses. • HSAs are employee-owned accounts, meaning you take the HSA with you if you change employers. • Unused funds will earn interest and can be invested until they are withdrawn for eligible expenses or at retirement. The HSA account balance must be at least $1,000 to be invested.
You are eligible for an HSA if: • You are covered by a high deductible health plan (HDHP), • You are not covered under a non-HDHP health plan, such as a spouse’s plan with copays, • You are not enrolled in Medicare, • You are not claimed as a tax dependent on someone else’s tax return, • You and your legal spouse are not enrolled in an HSA and a health care FSA in the same year.
You set aside money on a pre-tax basis — this means as long as you use the money for eligible expenses, you won’t pay income taxes on it.
How the HSA Works
You can contribute pre-tax funds in a Health Savings Account.
For 2023, the IRS maximum contribution limit is $3,850 for employee only coverage and $7,750 for family coverage. Healthcare Professionals who are age 55 or older, can make an additional catch-up contribution of $1,000 on an annual basis.
Use your HSA Bank Debit Card for eligible health care expenses.
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DENTAL COVERAGE Dental care isn’t just about your teeth. Did you know poor oral health can effect other areas of your body—including your heart? AMN offers two dental options—the PPO Standard and the PPO Plus plans. The plans cover preventive services in full with no deductible or copay and they also cover major and restorative services, but at different costs. After you meet your annual deductible, you and the plan share the cost of eligible expenses. Here’s what you pay under each plan: PPO Standard (Both In- & Out-of-Network)
PPO Plus (Both In- & Out-of-Network)
$75/$225
$50/$150
Preventive Care such as oral exams, X-rays, fluoride treatments and space maintainers
100%
100%
Basic Care
60%
80%
Major Care
50%
50%
$1,000
$2,000
Not Covered
Not Covered
Dental Plan Options You Pay Annual Deductible Individual/Family Plan Pays
Annual Plan Maximum Orthodontia
Need to find an In-Network Dentist? Visit the mycigna.com website or scan the QR code to save a vCard to your phone to have Cigna find a dentist near you. 800-244-6224 | mycigna.com
20 | AMN Healthcare
VISION COVERAGE Your eyes are windows to the live action of blood vessels, nerves and connective tissues throughout your body. Problems spotted in the eye are often the first signs of disease lurking elsewhere. The American Academy of Ophthalmology recommends that all adults get a complete eye examination at age 40. If you have risk factors such as diabetes, high blood pressure or a family history of eye disease, don’t delay—schedule an eye exam at an earlier age. Vision coverage will be offered through Vision Service Plan (VSP). Here’s what you pay in- and out-of-network:
Vision Coverage Eye Exam (every 12 months)
In-Network
Out-of-Network
$10 copay
$45 reimbursement
$25 copay for all materials
$25 copay for all materials
Single
$25 copay
$30 reimbursement
Eyeglass Lenses (every 12 months) Bifocal
$25 copay
$50 reimbursement
Trifocal
$25 copay
$65 reimbursement
Standard Progressive
$55 copay
$50 reimbursement
Polycarbonate for children Eyeglass Frames (every 24 months) Contact Lenses (instead of lenses and frames, every 12 months)
Covered in full
Not covered
Frames covered-in-full* up to the retail allowance of $150** with 20% off*** any amount above the retail frame allowance
$70 reimbursement
$150 allowance for contacts (up to $60 copay on fitting and evaluation)
$105 allowance for materials and fitting/evaluation
* When services are obtained from a VSP Choice Preferred Provider, there are no out-of-pocket expenses other than any applicable copays. Services and eyewear obtained through affiliate and other providers are subject to product availability and the same copays and limitations. ** Costco allowance of $70 is equivalent to the frame allowance at preferred providers and other affiliate locations (average frame cost at Costco is $68). Costcopublished prices already include discounts instead of those noted. *** Based on applicable laws, benefits may vary by doctor location.
No Vision ID Cards You will not receive an ID card if you elect the VSP Plan. Scan the QR code to save a vCard to your phone and keep your plan information on-hand. 800-877-7195 | vsp.com
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LIFE & ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) Discussing what might happen to your family if you were not around to provide for them isn’t always the easiest conversation, but it is necessary. If you have Life insurance now, chances are you can take comfort in knowing that those who depend on you will be provided for. Login to the AMN Healthcare Benefits Portal to view premiums for Voluntary Life. The premiums you pay for coverage will vary based on your age and the dollar amount of coverage you choose to elect, in addition to the dependents you cover.
You
Your Spouse
Your Children
n/a
n/a
AMN Paid Basic Life and AD&D Insurance $25,000 Supplemental Life Insurance*
You receive a benefit in the event of the covered person’s death.
$5,000 to $50,000 (in $5,000 $10,000 to increments); $100,000 maximum amount $10,000 (in $10,000 cannot exceed increments) Guaranteed Issue: 100% of your $10,000 Guaranteed Issue: coverage amount $100,000 Guaranteed Issue: $50,000
*You can purchase additional protection for yourself and your dependents.
Update Your Beneficiaries Life Insurance benefits are paid to the person you name as your beneficiary. One of the biggest mistakes in designating beneficiaries is not updating them when there’s a life status change, such as death or divorce. Annual benefits enrollment is the perfect time to update your beneficiary on file. You are required to have a designated beneficiary on file.
22 | AMN Healthcare
DISABILITY INSURANCE To protect you and your family from loss of income if you become disabled, you have the option of enrolling in a voluntary short-term disability plan. (Note that CA, HI, NJ, NY, PR, RI and WA Healthcare Professionals may be eligible for state disability insurance programs and therefore may not receive additional short-term disability coverage).
Voluntary Short-Term Disability Short–Term Disability through The Hartford protects a portion of your income if you become disabled because of a nonwork related illness or injury for a short period of time. Earnings is your regular weekly rate of pay, including commissions, but not bonuses, overtime pay or any other fringe benefits or extra compensation, in effect on the last day you were actively at work before you became disabled.
Voluntary Short-Term Disability Benefit Begins
After 7 days
Benefit Amount
$250 a week ($1,000 a month)
Benefit Duration
25 weeks
Please note that some AMN brands may have different disability coverage options which will be displayed during enrollment.
Scan this QR code to save The Hartford’s contact information to your phone.
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VOLUNTARY BENEFITS In addition to the protection that the medical plan provides, you have the opportunity to enroll in supplemental medical benefits for additional coverage. We partner with Allstate to offer these voluntary benefits*, which will pay cash for covered illnesses, accidents and hospitalization. These benefits pay in addition to other coverages, and you may use the money however you like. Depending on the additional level of protection you would like, you can enroll in one, two, or all of these benefits. For more information, visit allstatebenefits.com/mybenefits.
Accident Insurance If you are accidentally injured on or off the job, this coverage pays cash benefits to help with out-of-pocket expenses. The amount of the benefit depends on the type of injury and the service you receive. The plan pays benefits for inpatient and outpatient services and includes benefits for injuries as a result of covered accidents such as dislocations, fractures, burns and lacerations as well as doctor services, physical therapy, emergency room treatment, and ambulance rides. The benefit also covers catastrophic injuries resulting in paralysis, coma and accidental death.
You have two options for coverage: • Under the Basic Option you may receive cash benefits based on the type of accident and treatment provided ranging from $100 to $3,000. • Under the Enhanced Option you may receive cash benefits based on the type of accident and treatment provided ranging from $100 to $6,000.
Critical Illness Insurance This coverage helps with the treatment costs of covered critical illnesses, such as cancer, a heart attack, or a stroke. The coverage pays a lump-sum, cash benefit upon initial diagnosis of a covered critical illness. Initial diagnosis must occur while coverage is in effect. In addition, the plan pays a $50 Health Screening Benefit for you and your spouse/ domestic partner (not payable for dependent children) per year for certain health screening tests. Please note that the Health Screening Benefit is not related to your AMN Wellness Incentive program, nor does it coordinate with any health screening tests that are covered under the Affordable Care Act, or any other health screening test. If you participate in a covered health screening test during the course of the year, simply submit the appropriate form to Allstate to receive your $50 benefit.
You have two options for coverage: • $15,000 cash benefit • $30,000 cash benefit To be eligible to elect Critical Illness Coverage, you must be enrolled in a major medical plan.
Note: The Allstate coverage described in this guide is subject to plan limitations, exclusions, definitions, and provisions. This overview is subject to the terms, conditions, and limitations of the plan.
24 | AMN Healthcare
VOLUNTARY BENEFITS Hospital Indemnity Insurance This benefit provides financial assistance to enhance your current coverage. If you are hospitalized and confined to a hospital as a resident bed patient due to sickness, accident or injuries (including maternity), you are eligible for a cash benefit.
Your coverage includes: • $1,150 cash benefit for hospital admission • $150 per day for hospital ongoing care (maximum 10 days per hospital stay) • $150 per day for intensive care (maximum 10 days per hospital stay) Note: The hospital and intensive care benefits run concurrently. To be eligible to elect Hospital Indemnity Coverage, you must be enrolled in a major medical plan. You have 24/7 access to your voluntary benefits. Visit allstatebenefits.com/mybenefits to access important information, submit claims, check status of filed claims, and more.
Scan this QR code to save Allstate's contact information to your phone.
Note: The Allstate coverage described in this guide is subject to plan limitations, exclusions, definitions, and provisions. This overview is subject to the terms, conditions, and limitations of the plan.
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LEGAL SERVICES Quality legal assistance can be pricey and it can be hard to know where to turn to find an attorney you trust. The Legal Services coverage through ARAG provides a team of top attorneys ready to help you take care of life’s planned and unplanned legal events. ARAG legal services covers you, your spouse and your dependents. ARAG Legal Plans gives you access to the expert guidance and tools you need to handle the broad range of personal legal needs you might face throughout your life. This could be when you’re buying or selling a home, starting a family, dealing with identity theft or caring for aging parents.
ARAG could save you hundreds of dollars in attorney fees for common legal services like these: • Estate planning documents, including Wills • Identity theft defense
Scan this QR code to save ARAG's Legal Plan contact information to your phone.
• Traffic offenses • Family Law, including adoption and name change • Real estate matters • Financial matters, such as debt-collection defense document review • Advice and consultation on personal legal matters
COMMUTER BENEFITS PROGRAM The commuter benefits program provided by Optum Financial is offered to Healthcare Professionals working in the San Francisco Bay Area, Seattle, Washington DC, New York and New Jersey. The commuter benefits program consists of transit components and a parking component. The benefit cannot be used for toll or ride-share expenses. It is designed to help you save money on your commuting costs by having your estimated expenses deducted from your paycheck before taxes are withheld.
26 | AMN Healthcare
Since you are not required to pay income tax or Social Security (FICA) taxes on the portion of your salary used to pay for qualified commuting expenses, your savings from this benefit can add up quickly. If you participate in this program, you may be able to reduce your commuting costs by up to 40% depending on your tax bracket. To enroll, you must register and place your order before the 10th of each month for coverage in the following month. For Long Island Railroad, the deadline is by the 4th of the prior month.
CONNECT TO YOUR HEALTH PROGRAM RESOURCES One of the guiding principles behind our CONNECT TO YOUR HEALTH wellness program is helping to improve your overall health. This not only benefits your well-being, but can also contribute to lower health care costs for everyone. AMN Healthcare offers several tools and resources that can help you reach your healthy destination at no cost to you. Resource
Support You’ll Receive
How to Contact • Visit guidanceresources.com Web ID: AMNHEALTHCARE
Our Employee Assistance Program (EAP) through GuidanceResources offers free, holistic and confidential support to you and your family.
Guidance Resources
You can get help with: • Relationships
• Legal
• Parenting
• Education
• Work/life balance
• Finances
• Call 1-844-888-9780 24 hours a day, 7 days a week to speak with an EAP counselor. • Take advantage of “Connect to Care”, which offers you instant access to 24/7 live clinical support.
Help is available online, by phone, or through face-to-face counseling sessions (8 FREE sessions). GuidanceResources is available to Healthcare Professionals and their families.
• Go to prudential.com/login • Register or Login
Empower Financial Wellness
Empower is more than a 401(k) provider. They offer financial wellness tools and resources based on your interests. When your saving and spending is in balance, there is peace of mind. Choose from various topics including budgeting, paying for college, managing debt and much more. • Visit the financial wellness page on the Empower site
• Choose the My Financial Life tab • Questions? Call Empower directly at 1-877-778-2100 Monday through Friday, 5 a.m. to 6 p.m. Pacific Time. Reference group #720480.
• Create a profile • Choose your interests • Start your journey to being financially well
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SECTION 3 Benefits App
29
Healthcare Professional Rates
30
Important Notices
31
28 | AMN Healthcare
BENEFITS APP AMN Benefits App Whether you need a doctor or simply need to know what your plan pays, it’s all right there in the palm of your hand. Scan the QR code with your smartphone’s camera or visit amn-hp.mybenefitsapp.com to get started. • Know Your Benefits. The app gives a detailed breakdown of benefits anytime you need it — Check them before scheduling your appointment. • ID Cards are available within the app. Save it to your phone so you can easily share it at the doctor’s office. • Contact Information. Quickly find service contact information and online resources.
Scan this QR code to download the benefits app to your phone.
2023 Benefits Guide | 29
HEALTHCARE PROFESSIONAL RATES The table below shows the contributions that you make toward your medical, dental and vision plan premiums on a weekly basis. Please multiply by two for bi-weekly payroll schedules. If you are covering a domestic partner, the percentage of the cost attributed to his or her coverage will be deducted on an aftertax basis.
Medical Plans
Your Weekly Contributions
PPO ($1,500 Plan) Employee Only
$157.69
Employee + 1
$349.54
Employee + 2 or more
$521.68
Dental Plans
PPO Standard
PPO Plus
Employee Only
$5.93
$8.00
Employee + 1 Dependent
$11.86
$16.00
Employee + 2 or more
$16.59
$22.41
PPO Basic ($6,000 Plan) Employee Only
$70.34
Employee + 1
$212.87
Employee + 2 or more
$312.36
Vision Plan Employee Only
$1.85
Employee Only
$42.28
Employee + 1 Dependent
$2.94
Employee + 1
$226.74
Employee + 2 or more
$4.22
Employee + 2 or more
$333.72
Consumer Choice ($3,000 HDHP)
MEC Plan (Preventive Care Plan) Employee Only
$0.00
Employee + 1
$62.79
Employee + 2 or more
$95.35
Kaiser Consumer Choice Employee Only
$43.15
Employee + 1
$194.17
Employee + 2 or more
$280.47
Kaiser Hawaii Employee Only
$6.60
Employee + 1
$163.00
Employee + 2 or more
$243.98
HMSA Employee Only
$11.98
Employee + 1
$82.14
Employee + 2 or more
$152.30
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Your Cost
IMPORTANT NOTICES The following notices are required by federal law and are provided to you at various times during the year including annual open enrollment. Please read these notices as they provide valuable information to help you understand your employer-provided health plans and your rights and options.
of Breach”). Your Notice of Breach will be in writing and provided via first-class mail, or alternatively, by email if you have previously agreed to receive such notices electronically. If we have insufficient or out-of-date contact information, then we will provide substitute individual Notice of Breach by alternative form as required by law.
About Creditable Prescription Drug Coverage and Medicare
Your Notice of Breach will be provided as soon as reasonably possible and in no case later than 60 days after the breach is discovered and will include, to the extent possible: a description of the breach; a description of the types of information that were involved in the breach; the steps you should take to protect yourself from potential harm; a brief description of what we are doing to investigate the breach, mitigate the harm, and prevent further breaches; and our relevant contact information.
The purpose of this notice is to advise you whether the prescription drug coverage listed below under the AMN Healthcare medical plan is expected to pay out, on average, at least as much as the standard Medicare prescription drug coverage will pay in 2023. This is known as “creditable coverage.” Why this is important. If you or your covered dependent(s) are enrolled in any prescription drug coverage during 2023 listed in this notice and are or become covered by Medicare, you may decide to enroll in a Medicare prescription drug plan later and not be subject to a late enrollment penalty – as long as you had creditable coverage within 63 days of your Medicare prescription drug plan enrollment. You should keep this notice with your important records. If you or your family members aren’t currently covered by Medicare and won’t become covered by Medicare in the next 12 months, this notice doesn’t apply to you.
Notice of Creditable Coverage
Please read this notice carefully. It has information about prescription drug coverage with AMN Healthcare and prescription drug coverage available for people with Medicare. It also tells you where to find more information to help you make decisions about your prescription drug coverage. You may have heard about Medicare’s prescription drug coverage (called Part D) and wondered how it would affect you. Prescription drug coverage is available to everyone with Medicare through Medicare prescription drug plans. All Medicare prescription drug plans provide at least a standard level of coverage set by Medicare. Some plans also offer more coverage for a higher monthly premium. Individuals can enroll in a Medicare prescription drug plan when they first become eligible, and each year from October 15th through December 7th. Individuals leaving employer/union coverage may be eligible for a Medicare Special Enrollment Period. Below is the creditable status of AMN Healthcare’s health plans with prescription coverage. Most of AMN’s plans for 2023 are considered creditable which means that coverage is, on average, at least as good as standard Medicare prescription drug coverage. Coverage under any of these plans will help you avoid a late Part D enrollment penalty if you are or become eligible for Medicare and later decide to enroll in a Medicare prescription drug plan.
Additionally, for any substitute Notice of Breach provided via web posting or major print or broadcast media, the Notice of Breach will include a toll-free number for you to contact us to determine if your PHI was involved in the breach.
Important Notice About Your Prescription Drug Coverage and Medicare
Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with AMN Healthcare and about your options under Medicare’s prescription drug coverage. This information can help you decide whether or not you want to join a Medicare drug plan. If you are considering joining, you should compare your current coverage, including which drugs are covered at what cost, with the coverage and costs of the Plans offering Medicare prescription drug coverage in your area. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice. There are two important things you need to know about your current coverage and Medicare’s prescription drug coverage: • Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage if you join a Medicare Advantage Plan (like an HMO or PPO) that offers prescription drug coverage. All Medicare drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium. • AMN Healthcare has determined that the prescription drug coverage offered by the Insurance plan is, on average for all plan Employees, expected to pay out as much as standard Medicare prescription drug coverage pays and is therefore considered Creditable Coverage. Because your existing coverage is Creditable Coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to join a Medicare drug plan.
If you decide to enroll in a Medicare prescription drug plan and you are an active employee or family member of an active employee, you may also continue your employer coverage. In this case, the employer plan will continue to pay primary or secondary as it had before you enrolled in a Medicare prescription drug plan. If you waive or drop AMN Healthcare coverage, Medicare will be your only payer.
When Can You Join A Medicare Drug Plan?
You can re-enroll in the employer plan at annual enrollment or if you have a special enrollment event for the AMN Healthcare plan. You should know that if you waive or leave coverage with AMN Healthcare and you go 63 days or longer without creditable prescription drug coverage (once your applicable Medicare enrollment period ends), your monthly Part D premium will go up at least 1% per month for every month that you did not have creditable coverage. For example, if you go 19 months without coverage, your Medicare prescription drug plan premium will always be at least 19% higher than what most other people pay. You’ll have to pay this higher premium as long as you have Medicare prescription drug coverage. In addition, you may have to wait until the following October to enroll in Part D. 2023 Creditable Coverage Plans:
However, if you lose your current creditable prescription drug coverage, through no fault of your own, you will also be eligible for a two (2) month Special Enrollment Period (SEP) to join a Medicare drug plan.
• PPO Plan
• Kaiser Consumer Choice Plus Plan
• Consumer Choice Plan
• Kaiser HMO
• Consumer Choice Plus Plan
• Kaiser (Hawaii) HMO
• Kaiser Consumer Choice Plan
• BlueCross HMSA (Hawaii) Plan
Breach Notification
This Notice reflects the new federal breach notification requirements imposed on the Health Plans in the event that an unauthorized party acquires your unsecured PHI. We understand that medical information about you and your health is personal, and we are committed to protecting your medical information. Furthermore, we will notify you following the discovery of any breach of your unsecured PHI (the “Notice
You can join a Medicare drug plan when you first become eligible for Medicare during a seven-month initial enrollment period. That period begins three months prior to your 65th birthday, includes the month you turn 65, and continues for the ensuing three months. You may also enroll from October 15th through December 7th in 2022. If you enroll from October 15th through December 7th in 2022, your coverage will begin on January 1, 2023.
When Will you Pay a Higher Premium (Penalty) to Join a Medicare Drug Plan?
You should also know that if you drop or lose your current coverage with AMN Healthcare and don’t join a Medicare drug plan within 63 continuous days after your current coverage ends, you may pay a higher premium (a penalty) to join a Medicare drug plan later. If you go 63 continuous days or longer without creditable prescription drug coverage, your monthly premium may go up by at least 1% of the Medicare base beneficiary premium per month for every month that you did not have the coverage. For example, if you go nineteen months without creditable coverage, your premium may consistently be at least 19% higher than the Medicare base beneficiary premium. You may have to pay this higher premium (a penalty) as long as you have Medicare prescription drug coverage. In addition, you may have to wait until the following November to join.
2023 Benefits Guide | 31
For More Information About This Notice Or Your Current Prescription Drug Coverage...
Contact the person listed below for further information. NOTE: You’ll get this notice each year. You will also get it before the next period you can join a Medicare drug plan, and if this coverage through AMN Healthcare changes. You also may request a copy of this notice at any time.
For more information about your options under Medicare Prescription Drug Coverage...
More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare & You” handbook. You’ll get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare drug plans.
For more information about Medicare prescription drug coverage: • Visit medicare.gov
• Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the “Medicare & You” handbook for their telephone number) for personalized help • Call 1-800-633-4227 TTY users should call 1-877-486-2048 If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. For information about this extra help, visit Social Security on the Web at socialsecurity.gov, or call them at 1-800-7721213 (TTY 1-800-325-0778). Remember: Keep this Medicare Part D notice. If you decide to join one of the Medicare drug plans, you may be required to provide a copy of this notice when you join to show whether or not you have maintained creditable coverage and, therefore, whether or not you are required to pay a higher premium (a penalty).
What happens to your current coverage if you decide to join a Medicare Drug Plan?
If you decide to join a Medicare drug plan, your current AMN Healthcare coverage will not be affected. For most persons covered under the Plan, the Plan will pay prescription drug benefits first, and Medicare will determine its payments second. For more information about this issue of what program pays first and what program pays second, see the Plan’s summary plan description or contact Medicare at the telephone number or web address listed herein. If you do decide to join a Medicare drug plan and drop your current AMN Healthcare coverage, be aware that you and your dependents will not be able to get this coverage back.
HIPAA Special Enrollment Notice Notice of Special Enrollment Rights for Medical Plan Coverage
As you know, if you have declined enrollment in AMN Healthcare health plan for you or your dependents (including your spouse/domestic partner) because of other health insurance coverage, you or your dependents may be able to enroll in some coverages under this plan without waiting for the next open enrollment period, provided that you request enrollment within 30 days after your other coverage ends. In addition, if you have a new dependent as a result of marriage, birth, adoption or placement for adoption, you may be able to enroll yourself and your eligible dependents, provided that you request enrollment within 30 days after the marriage, birth, adoption or placement for adoption. AMN Healthcare will also allow a special enrollment opportunity if you or your eligible dependents either: • Lose Medicaid or Children’s Health Insurance Program (CHIP) coverage because you are no longer eligible, or • Become eligible for a state’s premium assistance program under Medicaid or CHIP. For these enrollment opportunities, you will have 60 days – instead of 30 – from the date of the Medicaid/CHIP eligibility change to request enrollment in AMN Healthcare group health plan. Note that this new 60-day extension doesn’t apply to enrollment opportunities other than due to the Medicaid/CHIP eligibility change. Note: If your dependent becomes eligible for a special enrollment right, you may add the dependent to your current coverage or change to another medical plan. Any other currently covered dependents may also switch to the new plan in which you enroll.
32 | AMN Healthcare
Women’s Health & Cancer Rights Act
If you have had or are going to have a mastectomy, you may be entitled to certain benefits under the Women’s Health and Cancer Rights Act of 1998 (WHCRA). For individuals receiving mastectomy-related benefits, coverage will be provided in a manner determined in consultation with the attending physician and the patient, for: • All stages of reconstruction of the breast on which the mastectomy was performed; • Surgery and reconstruction of the other breast to produce a symmetrical appearance; prostheses; and • Treatment of physical complications of the mastectomy, including lymphedema. These benefits will be provided subject to the same deductibles and coinsurance applicable to other medical and surgical benefits provided under this plan. Please see the Plan’s Summary Plan Description for details of the Plan’s deductible, benefit percentage, and copayment requirements. If you would like more information on WHCRA benefits, contact HR.
Newborns’ & Mothers’ Health Protection Act
Group health plans and health insurance issuers generally may not, under Federal law, restrict benefits for any hospital length of stay in connection with childbirth for the mother or newborn child to less than 48 hours following a vaginal delivery, or less than 96 hours following a cesarean section. However, Federal law generally does not prohibit the mother’s or newborn’s attending provider, after consulting with the mother, from discharging the mother or her newborn earlier than 48 hours (or 96 hours as applicable). In any case, plans and issuers may not, under Federal law, require that a provider obtain authorization from the plan or the insurance issuer for prescribing a length of stay not in excess of 48 hours (or 96 hours).”
Continuation Coverage Rights Under COBRA
You are receiving this notice because you have recently become covered under AMN Healthcare’s group health plan. This notice contains important information about your right to COBRA continuation coverage, which is a temporary extension of coverage under the Plan. This notice generally explains COBRA continuation coverage, when it may become available to you and your family, and what you need to do to protect the right to receive it. The right to COBRA continuation coverage was created by a federal law, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA). COBRA continuation coverage may be available to you when you would otherwise lose your group health coverage. It can also become available to other Employees of your family who are covered under the Plan when they would otherwise lose their group health coverage. For additional information about your rights and obligations under the Plan and under federal law, you should review the Plan’s Summary Plan Description or contact HR.
What is COBRA Continuation Coverage?
COBRA continuation coverage is a continuation of Plan coverage when coverage would otherwise end because of a life event known as a “qualifying event.” Specific qualifying events are listed later in this notice. After a qualifying event, COBRA continuation coverage must be offered to each person who is a “qualified beneficiary.” You, your spouse/domestic partner, and your dependent children could become qualified beneficiaries if coverage under the Plan is lost because of the qualifying event. Under the Plan, qualified beneficiaries who elect COBRA continuation coverage must pay for COBRA continuation coverage. If you are an Employee, you will become a qualified beneficiary if you lose your coverage under the Plan because either one of the following qualifying events happens: • Your hours of employment are reduced; or • Your employment ends for any reason other than your gross misconduct. If you are the spouse/domestic partner of an Employee, you will become a qualified beneficiary if you lose your coverage under the Plan because any of the following qualifying events happens: • Your spouse/domestic partner dies; • Your spouse/domestic partner’s hours of employment are reduced; • Your spouse/domestic partner’s employment ends for any reason other than his or her gross misconduct; • Your spouse/domestic partner becomes enrolled in Medicare benefits (under Part A, Part B, or both); or
• You become divorced or legally separated from your spouse/domestic partner. If the Plan provides health care coverage to retired Employees, the following applies: filing a proceeding in bankruptcy under title 11 of the United States Code can be a qualifying event. If a proceeding in bankruptcy is filed with respect to your employer, and that bankruptcy results in the loss of coverage of any retired Employee covered under the Plan, the retired Employee will become a qualified beneficiary with respect to the bankruptcy. The retired Employee’s spouse/domestic partner, surviving spouse/domestic partner, and dependent children will also become qualified beneficiaries if bankruptcy results in the loss of their coverage under the Plan.
When Is COBRA Coverage Available?
The Plan will offer COBRA continuation coverage to qualified beneficiaries only after AMN Healthcare has been notified that a qualifying event has occurred. When the qualifying event is the end of employment or reduction of hours of employment, death of the Employee, in the event of retired Employee health coverage, commencement of a proceeding in bankruptcy with respect to the employer, or the Employee’s becoming entitled to Medicare benefits (under Part A, Part B, or both), the employer must notify AMN Healthcare of the qualifying event.
Required Notice
You must give notice of some qualifying events for the other qualifying events (divorce or legal separation of the Employee and spouse/domestic partner or a dependent child’s losing eligibility for coverage as a dependent child), you must notify the Plan Administrator within 60 days after the qualifying event occurs. Contact your employer and/ or COBRA Administrator for procedures for this notice, including a description of any required information or documentation.
How is COBRA Coverage Provided?
Once AMN Healthcare receives notice that a qualifying event has occurred, COBRA continuation coverage will be offered to each of the qualified beneficiaries. Each qualified beneficiary will have an independent right to elect COBRA continuation coverage. Covered Employees may elect COBRA continuation coverage on behalf of their spouses/domestic partners, and parents may elect COBRA continuation coverage on behalf of their children. COBRA continuation coverage is a temporary continuation of coverage. When the qualifying event is the death of the Employee, the Employee’s becoming entitled to Medicare benefits (under Part A, Part B, or both), your divorce or legal separation, or a dependent child’s losing eligibility as a dependent child, COBRA continuation coverage lasts for up to 36 months. When the qualifying event is the end of employment or reduction of the Employee’s hours of employment, and the Employee became entitle to Medicare benefits less than 18 months before the qualifying event, COBRA continuation coverage for qualified beneficiaries, other than the Employee, lasts until 36 months after the date of Medicare entitlement. For example, if a covered Employee becomes entitled to Medicare 8 months before the date on which his employment terminates, COBRA continuation coverage for his spouse/domestic partner and children can last up to 36 months after the date of Medicare entitlement, which is equal to 28 months after the date of the qualifying event (36 months minus 8 months). Otherwise, when the qualifying event is the end of employment or reduction of the Employee’s hours of employment, COBRA continuation coverage generally lasts for only up to a total of 18 months. There are two ways in which this 18-month period of COBRA continuation coverage can be extended.
Disability Extension of 18-Month Period Of Continuation Coverage
If you or anyone in your family covered under the Plan is determined by the Social Security Administration to be disabled and you notify AMN Healthcare in a timely fashion, you and your entire family may be entitled to receive up to an additional 11 months of COBRA continuation coverage, for a total maximum of 29 months. The disability would have to have started at some time before the 60th day of COBRA continuation coverage and must last at least until the end of the 18-month period of continuation coverage. Contact AMN Healthcare and/or the COBRA Administrator for procedures for this notice, including a description of any required information or documentation.
Second Qualifying Event Extension of 18-Month Period Of Continuation Coverage
If your family experiences another qualifying event while receiving 18 months of COBRA continuation coverage, the spouse/domestic partner and dependent children in your family can get up to 18 additional months of COBRA continuation coverage, for a maximum of 36 months if notice of the second qualifying event is properly
given to the Plan. This extension may be available to the spouse/domestic partner and dependent children receiving continuation coverage if the Employee or former Employee dies, becomes entitled to Medicare benefits (under Part A, Part B, or both), or gets divorced or legally separated or if the dependent child stops being eligible under the Plan as a dependent child, but only if the event would have caused the spouse/domestic partner or dependent child to lose coverage under the Plan had the first qualifying event not occurred.
If You Have Questions
Questions concerning your Plan or your COBRA continuation coverage rights, should be addressed to AMN Healthcare. For more information about your rights under ERISA, including COBRA, the Health Insurance Portability and Accountability Act (HIPAA), and other laws affecting group health plans, contact the nearest Regional or District Office of the U. S. Department of Labor’s Employee Benefits Security Administration (EBSA) in your area or visit the EBSA website at dol.gov/ ebsa. (Addresses and phone numbers of Regional and District EBSA Offices are available through EBSA’s website.) Keep Your Plan Informed of Address Changes In order to protect your family’s rights, you should keep AMN Healthcare informed of any address changes. You should also keep a copy, for your records, of any notices you send to AMN Healthcare. Plan Contact Information Contact your employer for the name, address and telephone number of the party responsible for administering your COBRA continuation coverage.
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’re 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 aren’t eligible for Medicaid or CHIP, you won’t 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 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. If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your employer must allow you to enroll in your employer plan if you aren’t already enrolled. This is called a “special enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance. If you have questions about enrolling in your employer plan, contact the Department of Labor at askebsa.dol.gov or call 1-866-444-3272. If you live in one of the following states, you may be eligible for assistance paying your employer health plan premiums. The following list of states is current as of July 31, 2022. Contact your State directly for more information on eligibility: ALABAMA – Medicaid Website: myalhipp.com Phone: 1-855-692-5447 ALASKA – Medicaid The AK Health Insurance Premium Payment Program Website: myakhipp.com Phone: 1-866-251-4861 Email:
[email protected] Medicaid Eligibility: health.alaska.gov/dpa/pages/default.aspx ARKANSAS – Medicaid Website: myarhipp.com Phone: 1-855-692-7447
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CALIFORNIA – Medicaid Website: Health Insurance Premium Payment (HIPP) Program: dhcs.ca.gov/hipp Phone: 916-445-8322 Fax: 916-440-5676 Email:
[email protected] COLORADO – Health First Colorado (Colorado’s Medicaid Program) & Child Health Plan Plus (CHP+) Health First Colorado Website: healthfirstcolorado.com Health First Colorado Member Contact Center: 1-800-221-3943 / State Relay 711 CHP+: colorado.gov/pacific/hcpf/childhealth-plan-plus CHP+ Customer Service: 1-800-359-1991 / State Relay 711 Health Insurance Buy-In Program (HIBI): colorado. gov/pacific/hcpf/health-insurance-buyprogram HIBI Customer Service: 1-855-692-6442 FLORIDA – Medicaid Website: flmedicaidtplrecovery.com/ flmedicaidtplrecovery.com/hipp/index. html Phone: 1-877-357-3268 GEORGIA – Medicaid Website: medicaid.georgia.gov/healthinsurance-premium-payment-programhipp Phone: 678-564-1162, Press 1 GA CHIPRA Website: medicaid.georgia. gov/programs/third-party-liability/ childrens-health-insurance-programreauthorization-act-2009-chipra Phone: 678-564-1162, Press 2 INDIANA – Medicaid Healthy Indiana Plan for low-income adults 19-64 Website: in.gov/fssa/hip Phone: 1-877-438-4479 All other Medicaid Website: in.gov/medicaid Phone 1-800-457-4584 IOWA – Medicaid and CHIP (Hawki) Medicaid Website: dhs.iowa.gov/ime/ members Medicaid Phone: 1-800-338-8366 Hawki Website: dhs.iowa.gov/hawki Hawki Phone: 1-800-257-8563 HIPP Website: dhs.iowa.gov/ime/members/ medicaid-a-to-z/hipp HIPP Phone: 1-888-346-9562 KANSAS – Medicaid Website: kancare.ks.gov Phone: 1-800-792-4884 KENTUCKY – Medicaid Kentucky Integrated Health Insurance Premium Payment Program (KI-HIPP) Website: chfs. ky.gov/agencies/dms/member/pages/ kihipp.aspx Phone: 1-855-459-6328 Email:
[email protected] KCHIP Website: kidshealth.ky.gov/pages/ index.aspx Phone: 1-877-524-4718 Kentucky Medicaid Website: chfs.ky.gov
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LOUISIANA – Medicaid Website: medicaid.la.gov or ldh.la.gov/ lahipp Phone: 1-888-342-6207 (Medicaid hotline) or 1-855618-5488 (LaHIPP) MAINE – Medicaid Website: maine.gov/dhhs/ofi/applicationsforms Phone: 1-800-442-6003 TTY: Maine relay 711 Private Health Insurance Premium Webpage: maine.gov/dhhs/ofi/applications-forms Phone: 1-800-977-6740 TTY: Maine relay 711 MASSACHUSETTS – Medicaid and CHIP Website: mass.gov/masshealth/pa Phone: 1-800-862-4840 TTY: 617-886-8102 MINNESOTA – Medicaid Website: mn.gov/dhs/people-we-serve/ children-and-families/health-care/healthcare-programs/programs-and-services/ other-insurance.jsp Phone: 1-800-657-3739 MISSOURI – Medicaid Website: dss.mo.gov/mhd/participants/ pages/hipp.htm Phone: 573-751-2005 MONTANA – Medicaid Website: dphhs.mt.gov/ montanahealthcareprograms/hipp Phone: 1-800-694-3084 Email:
[email protected] NEBRASKA – Medicaid Website: accessnebraska.ne.gov Phone: 855-632-7633 Lincoln: 402-473-7000 Omaha: 402-595-1178 NEVADA - Medicaid Website: dhcfp.nv.gov Phone: 1-800-992-0900 NEW HAMPSHIRE – Medicaid Website: dhhs.nh.gov/programs-services/ medicaid/health-insurance-premiumprogram Phone: 603-271-5218 Toll free number for the HIPP program: 1-800-8523345, ext 5218 NEW JERSEY – Medicaid and CHIP Medicaid Website: state.nj.us/ humanservices/dmahs/clients/medicaid Medicaid Phone: 609-631-2392 CHIP Website: njfamilycare.org/index.html CHIP Phone: 1-800-701-0710 NEW YORK – Medicaid Website: health.ny.gov/health_care/ medicaid Phone: 1-800-541-2831 NORTH CAROLINA – Medicaid Website: medicaid.ncdhhs.gov Phone: 919-855-4100 NORTH DAKOTA – Medicaid Website: nd.gov/dhs/services/medicalserv/ medicaid Phone: 1-844-854-4825
OKLAHOMA – Medicaid and CHIP Website: insureoklahoma.org Phone: 1-888-365-3742 OREGON – Medicaid Website: healthcare.oregon.gov/pages/ index.aspx oregonhealthcare.gov/index-es.html Phone: 1-800-699-9075 PENNSYLVANIA – Medicaid Website: dhs.pa.gov/services/assistance/ pages/hipp-program.aspx Phone: 1-800-692-7462 RHODE ISLAND – Medicaid & CHIP Website: eohhs.ri.gov Phone: 855-697-4347, or 401-462-0311 (Direct RIte Share Line) SOUTH CAROLINA – Medicaid Website: scdhhs.gov/ Phone: 1-888-549-0820 SOUTH DAKOTA - Medicaid Website: dss.sd.gov Phone: 1-888-828-0059 TEXAS – Medicaid Website: gethipptexas.com Phone: 1-800-440-0493 UTAH – Medicaid and CHIP Medicaid Website: medicaid.utah.gov CHIP Website: health.utah.gov/chip Phone: 1-877-543-7669 VERMONT– Medicaid Website: greenmountaincare.org Phone: 1-800-250-8427 VIRGINIA – Medicaid and CHIP Website: coverva.org/en/famis-select coverva.org/en/hipp Phone: 1-800-432-5924 WASHINGTON – Medicaid Website: hca.wa.gov Phone: 1-800-562-3022 WEST VIRGINIA – Medicaid Website: dhhr.wv.gov/bms mywvhipp.com Medicaid Phone: 304-558-1700 CHIP Toll-free phone: 1-855-699- 8447 WISCONSIN – Medicaid and CHIP Website: dhs.wisconsin.gov/ badgercareplus/p-10095.htm Phone: 1-800-362-3002 WYOMING – Medicaid Website: health.wyo.gov/healthcarefin/ medicaid/programs-and-eligibility Phone: 1-800-251-1269 To see if any other states have added a premium assistance program since July 31, 2022, or for more information on special enrollment rights, contact either: U.S. Department of Labor Services Employee Benefits Security Administration dol.gov/agencies/ebsa 866-444-3272 U.S. Department of Health and Human Services Centers for Medicare & Medicaid Services cms.hhs.gov 877-267-2323, Menu Option 4, Ext. 61565
Paperwork Reduction Act Statement
According to the Paperwork Reduction Act of 1995 (Pub. L. 104-13) (PRA), no persons are required to respond to a collection of information unless such collection displays a valid Office of Management and Budget (OMB) control number. The Department notes that a Federal agency cannot conduct or sponsor a collection of information unless it is approved by OMB under the PRA, and displays a currently valid OMB control number, and the public is not required to respond to a collection of information unless it displays a currently valid OMB control number. See 44 U.S.C. 3507. Also, notwithstanding any other provisions of law, no person shall be subject to penalty for failing to comply with a collection of information if the collection of information does not display a currently valid OMB control number. See 44 U.S.C. 3512. The public reporting burden for this collection of information is estimated to average approximately seven minutes per respondent. Interested parties are encouraged to send comments regarding the burden estimate or any other aspect of this collection of information, including suggestions for reducing this burden, to the U.S. Department of Labor, Employee Benefits Security Administration, Office of Policy and Research, Attention: PRA Clearance Officer, 200 Constitution Avenue, N.W., Room N-5718, Washington, DC 20210 or email
[email protected] and reference the OMB Control Number 1210-0137. OMB Control Number 1210-0137 (expires 1/31/2023)
New Health Insurance Marketplace Coverage Options and Your Health Coverage Form Approved OMB No. 1210-0149 (expires 6-30-2023)
PART A: General Information
When key parts of the health care law take effect in 2014, there will be 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 new Marketplace and employment-based health coverage offered by your employer.
What is the Health Insurance Marketplace?
The Marketplace is designed to help you find health insurance that 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 that lowers your monthly premium right away. Open enrollment for health insurance coverage through the Marketplace begins in October for coverage starting as early as January 1.
Can I Save Money on my Health Insurance Premiums in the Marketplace?
You may qualify to save money and lower your monthly premium, but only if your employer does not offer coverage, or offers coverage that doesn’t meet certain standards. The savings on your premium that you’re eligible for 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 that meets certain standards, you will not be eligible for a tax credit through the Marketplace and may wish to enroll in your employer’s health plan. However, you may be eligible for a tax credit that lowers your monthly premium, or a reduction in certain cost-sharing if your employer does not offer coverage to you at all or does not offer coverage that meets certain standards. If the cost of a plan from your employer that would cover you (and not any other members of your family) is more than 9.61% of your household income for the year, or if the coverage your employer provides does not meet the “minimum value” standard set by the Affordable Care Act, you may be eligible for a tax credit.1 Note: If you purchase a health plan through the Marketplace instead of accepting health coverage offered by your employer, then you may lose the employer contribution (if any) to the employer-offered coverage. Also, this employer contribution -as well as your employee contribution to employeroffered coverage- is often excluded from income for Federal and State income tax purposes. Your payments for coverage through the Marketplace are made on an after-tax basis.
How Can I Get More Information?
For more information about your coverage offered by your employer, please check your Summary Plan Description or contact: Medical plan provider The Marketplace can help you evaluate your coverage options, including your eligibility for coverage through the Marketplace and its cost. Please visit healthcare.gov for more information, including an online application for health insurance coverage and contact information for a Health Insurance Marketplace in your area. An employer-sponsored health plan meets the “minimum value standard” if the plan’s share of the total allowed benefit costs covered by the plan is no less than 60 percent of such costs. 1
PART B: Information About Health Coverage Offered by Your Employer
This section contains information about any health coverage offered by your employer. If you decide to complete an application for coverage in the Marketplace, you will be asked to provide this information. This information is numbered to correspond to the Marketplace application. Employer Name: AMN Healthcare Inc. Employer Identification Number (EIN): 88-0208006 Employer Phone Number: 1-858-792-0711 Employer Address: 8840 Cypress Waters Blvd, Suite 300, Dallas, TX 75019 Contact About Coverage: Benefits Team Phone Number: 877-744-1546, Option 2 Here is some basic information about health coverage offered by this employer: • As your employer, we offer a health plan to: • Some employees. Eligible employees are full-time employees and employees who work an average of 30 hours per week. • With respect to dependents: • We do offer coverage. Eligible dependents are spouses/domestic partners and children. This coverage meets the minimum value standard, and the cost of this coverage to you is intended to be affordable, based on employee wages. ** Even if your employer intends your coverage to be affordable, you may still be eligible for a premium discount through the Marketplace. The Marketplace will use your household income, along with other factors, to determine whether you may be eligible for a premium discount. If, for example, your wages vary from week to week (perhaps you are an hourly employee or you work on a commission basis), if you are newly employed mid-year, or if you have other income losses, you may still qualify for a premium discount.
If you decide to shop for coverage in the Marketplace, HealthCare.gov will guide you through the process. Here’s the employer information you’ll enter when you visit HealthCare.gov to find out if you can get a tax credit to lower your monthly premiums
Notice of Availability of HIPAA Privacy Notice
Under the Health Insurance Portability and Accountability Act (HIPAA) health plans are required to provide covered individuals with a Privacy Notice that describes, among other things, the uses and disclosures of protected health information that may be received by the plans, your rights regarding that information and the plan’s responsibilities. The AMN Healthcare Plan maintains a Notice of Privacy Practices that provides information to individuals whose protected health information (PHI) will be used or maintained by the Plan. If you would like a copy of the Plan’s Notice of Privacy Practices, please contact:
Please contact us for more information: AMN Benefits Team 8840 Cypress Waters Blvd Suite 300 Dallas, TX 75019 Phone: 1-877-744-1546, option 2
For more information about HIPAA or to file a complaint: The U.S. Department of Health & Human Services Office for Civil Rights 200 Independence Avenue, S.W. Washington, D.C. 20201 (202) 619-0257 Toll Free: 1-877-696-6775
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