Benefits Summary

Summary Benefits Booklet

Open Enrollment Overview 

Important Open Enrollment Notices:

• SMM [Summary of Material Modifications]

• Grandfathered Health Plans The Mercer Health Plan is a “grandfathered health plan” under the Patient Protection and Affordable Care Act (the Affordable Care Act).  As permitted by the Affordable Care Act, a grandfathered health plan can preserve certain basic health coverage that was already in effect when that law was enacted.  Being a grandfathered health plan means that the Mercer Health Plan may not include certain consumer protections of the Affordable Care Act that apply to other plans, for example, the requirement for the provision of preventive health services without any cost sharing.  However, grandfathered health plans must comply with certain other consumer protections in the Affordable Care Act, for example, the elimination of lifetime limits on benefits.

• FSA Flexible Spending Account limits for Plan Year FY24/25

  • Dependent Care $5,000 max for both parents or $2,500 for one parent.
  • Medical Spending $3,200 per eligible employee

• Women's Health & Cancer Rights Act of 1998(WHCRA)

• Premium Assistance Under Medicaid Notice CHIP