Within the Affordable Care Act, requirements have been put in place to require non-grandfathered health plans to cover preventive care services for women, including contraceptives. However, there are also special rules in place with respects to religious employers and their objections to contraception.
To help you understand the special rules that have been set by HHS, DOL, and the Treasury, we are pleased to share an overview below:
- Exemption for Churches: Group health plans of religious employers are exempt from ACA’s contraceptive coverage requirement. The final rule issued simplified the definition of religious employer, to primarily include churches and other houses of worship.
- Accommodations for Nonprofit Religious Organizations: This element of the rule provides accommodations for organizations that do not qualify for the church exemption, but that object to contraceptive coverage. Organizations that fall into this bucket do not have to contract, arrange, pay, or refer for the contraceptive coverage — rather, separate payments will be provided to females in the health plan by an independent third party.
- Temporary Enforcement Delay: The final rule issued extends the temporary enforcement delay to encompass plan years beginning on or after August 1st, 2013, and before January 1st, 2014. It was originally set to expire for the first plan year beginning on or after August 1st, 2013.
We hope that you find the summary above helpful as you to seek to understand these Health Care Reform rules, and how they may impact your organization.
If you have any questions, please contact CBG Benefits at 781-759-1222 or via our online contact form.