Important Information About the Notice on Health Insurance Marketplace Coverage Options and Your Discover Financial Services Benefits
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1 Statement Date: July 8, 2014 A JANE DOE DO NOT MAIL RIVERTON UT myhr Service Center myhr Service Center 844-DFS-myHR ( ) between 8:00 a.m. and 6:00 p.m. Central time, Monday through Friday Important Information About the Notice on Health Insurance Marketplace Coverage Options and Your Discover Financial Services Benefits Why Am I Receiving This Notice? This notice provides you with instructions on how to access information about the Health Insurance Marketplace, which are health plans offered to you by either your state or the U.S. Department of Health and Human Services. Discover Financial Services is required to send the enclosed notice to every U.S. employee to comply with rules under the federal Patient Protection and Affordable Care Act (ACA). What Do I Need to Do? You don t need to do anything, unless you re interested in Marketplace coverage. As you know, you re currently eligible to participate in the Discover Financial Services group health plan. How Does My Discover Financial Services Coverage Compare to the Marketplace? Discover Financial Services currently offers quality, affordable health coverage to eligible employees and their families. delivered by Hewitt A000001
2 Health Insurance Marketplace Coverage Options Page 2 If you buy insurance in the Marketplace, you will not receive a contribution from Discover Financial Services. Discover Financial Services already meets government standards for providing minimum, affordable coverage. If you want to continue health coverage through Discover Financial Services, you don t need to take further action. What If I m Interested in Marketplace Coverage? Go to to review the plans available in your state. Keep the enclosed notice because it has information you ll need to enroll in Marketplace coverage. Compare Discover Financial Services coverage and costs to those of the Marketplace during enrollment. Once your enrollment begins for Discover Financial Services, you will be able to confirm the coverage available and cost of your coverage at Please do not contact myhr Service Center for costs prior to the start of your benefit enrollment period. Questions? Call (TTY: ) or visit A000001
3 Health Insurance Marketplace Coverage Options Page 3 Health Insurance Marketplace Coverage Options 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 Discover Financial Services. 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 2013 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 9.5% 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 A000001
4 Health Insurance Marketplace Coverage Options Page 4 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 employer-offered 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. Note: 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. How Can I Get More Information About the Marketplace? The Marketplace can help you evaluate your coverage options, including your eligibility for coverage and its cost. Please visit for more information, including an online application for health insurance coverage and contact information for a Health Insurance Marketplace in your area A000001
5 Health Insurance Marketplace Coverage Options Page 5 Information About Health Coverage Offered by Discover Financial Services 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. Discover Financial Services Information Detail 3. Employer Name 4. Employer Identification Number (EIN) 5. Employer Address 6. Employer Phone Number 7. City 8. State 9. ZIP Code 10. Who can we contact about employee health coverage at this job? 11. Phone Number 12. Address Discover Financial Services Lake Cook Road Riverwoods Illinois myhr Service Center 844-DFS-myHR ( ) Not Available Here is some basic information about health coverage offered by this employer: Please see the Welfare Benefits Plan Summary Plan Description for detailed eligibility provisions. The coverage your employer offers to eligible employees meets the minimum value standard, and the cost of this coverage is intended to be affordable, based on employee wages A000001
6 Health Insurance Marketplace Coverage Options Page 6 Even if Discover Financial Services 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, will guide you through the process. For more information about: The Marketplace and Marketplace coverage options, visit or contact the Help Center at TTY users should call Coverage offered by Discover Financial Services including eligibility and pricing information, visit myhr Service Center at or call 844-DFS-myHR ( ), between 8:00 a.m. and 6:00 p.m. Central time, Monday through Friday A000001
7 Statement Date: July 8, 2014 A JANE DOE DO NOT MAIL GLENDALE AZ myhr Service Center myhr Service Center 844-DFS-myHR ( ) between 8:00 a.m. and 6:00 p.m. Central time, Monday through Friday Important Information About the Notice on Health Insurance Marketplace Coverage Options Why Am I Receiving This Notice? This notice provides you with instructions on how to access information about the Health Insurance Marketplace, which are health plans offered to you by either your state or the U.S. Department of Health and Human Services. Discover Financial Services is required to send the enclosed notice to every U.S. employee to comply with rules under the federal Patient Protection and Affordable Care Act (ACA). What Do I Need to Know? As you know, you re currently not eligible to participate in the Discover Financial Services group health plan. However, you may choose to obtain health coverage through the Marketplace. Depending on your household income, you may also be eligible for a tax credit and/or premium assistance to help reduce the cost of health coverage obtained through the Marketplace. What Do I Need to Do? You don t need to do anything, unless you re interested in Marketplace coverage. delivered by Hewitt A000002
8 Health Insurance Marketplace Coverage Options Page 2 What If I m Interested in Marketplace Coverage? Go to to review the plans available in your state. Keep the enclosed notice because it has information you ll need to enroll in Marketplace coverage. Questions? Call (TTY: ) or visit A000002
9 Health Insurance Marketplace Coverage Options Page 3 Health Insurance Marketplace Coverage Options 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 Discover Financial Services. 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 2013 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 9.5% 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 A000002
10 Health Insurance Marketplace Coverage Options Page 4 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 employer-offered 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. Note: 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. How Can I Get More Information About the Marketplace? The Marketplace can help you evaluate your coverage options, including your eligibility for coverage and its cost. Please visit for more information, including an online application for health insurance coverage and contact information for a Health Insurance Marketplace in your area A000002
11 Health Insurance Marketplace Coverage Options Page 5 Information About Health Coverage Offered by Discover Financial Services 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. Discover Financial Services Information Detail 3. Employer Name 4. Employer Identification Number (EIN) 5. Employer Address 6. Employer Phone Number 7. City 8. State 9. ZIP Code 10. Who can we contact about employee health coverage at this job? 11. Phone Number 12. Address Discover Financial Services Lake Cook Road Riverwoods Illinois myhr Service Center 844-DFS-myHR ( ) Not Available Here is some basic information about health coverage offered by this employer: Please see the Welfare Benefits Plan Summary Plan Description for detailed eligibility provisions. The coverage your employer offers to eligible employees meets the minimum value standard, and the cost of this coverage is intended to be affordable, based on employee wages A000002
12 Health Insurance Marketplace Coverage Options Page 6 You are not eligible for health coverage from Discover Financial Services at this time. You and your family may be able to obtain health coverage from the Marketplace. You may be eligible for a tax credit that lowers your monthly premiums for such coverage and may provide assistance with out-of-pocket costs. If you decide to shop for coverage in the Marketplace, will guide you through the process. For more information about the Marketplace and Marketplace coverage options, visit or contact the Help Center at TTY users should call A000002
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