2020 MAA 2020 Annual Health Plan Notices

2020 Benefit Plan Annual Notices (No action required - informational only)

Please review and retain the required notices for MAA’s health plan for your records.

If you have any questions, please feel free to contact the Benefits Department at 877-277-2327 or benefits@maac.com

Health Insurance Marketplace Coverage

Children’s Health Insurance Program (CHIP)

HIPAA Special Enrollment Notice

HIPAA Privacy Notice Reminder

 Women’s Health and Cancer Rights Act Annual Notice

 Newborns’ and Mothers’ Health Protection Act Disclosure

 Uniformed Services Employment and Reemployment Rights Act (USERRA)

Important Information about the Notice on Health Insurance Marketplace Coverage Options

Why am I Receiving This Notice? MAA is required to send the enclosed notice to every associate to comply with rules under the Federal Patient Protection and Affordable Care Act (PPACA)

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.

What Do I Need to Know? If you are eligible to participate in MAA’s Group Health Plan, you may continue your health coverage under the plan. However, you may choose to obtain health coverage through the Marketplace. If you buy insurance through the Marketplace, you do not receive a contribution from MAA towards this coverage.

What do I Need to Do? You don’t need to do anything, unless you’re interested in Marketplace coverage.

Information You Need if You Are Eligible for MAA Group Health Plan Coverage

Does the MAA Group Health Plan Provide Minimum, Affordable Coverage? The MAA Group Health Plan provides coverage that meets the government standards for offering to all full-time employees and their dependents (as defined by the plan) minimum value standards and is affordable under the terms of the Affordable Health Care Act (ACA). How Do I Compare MAA Health Care Costs to the Marketplace? If you are a new employee eligible for MAA benefits, you enrollment materials will be distributed to you by email and through your New Hire Enrollment event in Workday. If you are currently eligible for MAA benefits, your Annual Open Enrollment materials will be distributed to you by email in late October and through your Open Enrollment event in Workday. Your enrollment materials will

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contain your 2020 biweekly health care cost. You can compare your MAA costs to the Marketplace costs by visiting www.HealthCare.gov

What if I am Interested in Marketplace Coverage? We believe that the MAA’s plans represent a superior option to the Marketplace plans, but you may want to review Marketplace coverage to ensure that you are making the best choice for you.  Go to www.Healthcare.gov to review the plans available in your state.  Keep the enclosed notice, it has the information you will need to enroll in Marketplace coverage.  The Marketplace will not be able to assist you with MAA’s health plans.  MAA’s will not be able to assist you with the Marketplace plans. Question on the Marketplace plans? Call 800-318-2596 or visit www.HealthCare.gov General Information When key parts of the health care law took effect in 2014, they introduced 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. Health Insurance Marketplace Coverage

Open enrollment for health insurance coverage through the Marketplace begins in October 2019 for coverage starting as early as January 1, 2020.

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. 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.

How Can I Get More Information About the Marketplace? The Marketplace can help you evaluate your coverage options, including your eligibility for coverage through the Marketplace and its cost. Please visit www.HealthCare.gov for more information, including an online application for health insurance coverage and contact information for a Health Insurance Marketplace in your area.

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Information about Health Coverage Offered by MAA 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.

MAA Information

Detail

Employer Name

Mid-America Apartments, L.P.

Employer Identification Number

62-1543816

Employer Address

6815 Poplar Avenue, Suite 500

Employer Phone Number

877-277-2327 Germantown

City

State

TN

Zip Code

38138

Who can we contact about associate’s health coverage at this job?

Benefits Department

Phone Number Email Address

Same as Above

benefits@maac.com

Here is some basic information about health coverage offered by this employer.

MAA offers a health plan to some associates. Eligible associates are:  Regular and temporary full time associates working at least 30 hours per week.

We do offer coverage to eligible dependents. Your dependents are eligible as follows:  Legal spouse and child(ren) up to age 26 regardless of marital or student status.

This coverage meets the minimum value standard, and the cost of this coverage to you is intended to be affordable.

Even if MAA 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 you decide to shop for coverage in the Marketplace, www.HealthCare.gov will guide you through the process.

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 www.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 www.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 www.askebsa.dol.gov or call 1-866-444-EBSA (3272) .

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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, 2019. Contact your State for more information on eligibility –

ALABAMA – Medicaid

FLORIDA – Medicaid

Website: http://myalhipp.com/ Phone: 1-855-692-5447

Website: http://flmedicaidtplrecovery.com/hipp/ Phone: 1-877-357-3268

ALASKA – Medicaid

GEORGIA – Medicaid

The AK Health Insurance Premium Payment Program Website: http://myakhipp.com/ Phone: 1-866-251-4861 Email: CustomerService@MyAKHIPP.com Medicaid Eligibility: http://dhss.alaska.gov/dpa/Pages/medicaid/default.aspx

Website: https://medicaid.georgia.gov/health-insurance- premium-payment-program-hipp Phone: 678-564-1162 ext 2131

ARKANSAS – Medicaid

INDIANA – Medicaid

Website: http://myarhipp.com/ Phone: 1-855-MyARHIPP (855-692-7447)

Healthy Indiana Plan for low-income adults 19-64 Website: http://www.in.gov/fssa/hip/ Phone: 1-877-438-4479 All other Medicaid Website: http://www.indianamedicaid.com Phone 1-800-403-0864

COLORADO – Health First Colorado (Colorado’s Medicaid Program) & Child Health Plan Plus (CHP+) Health First Colorado Website: https://www.healthfirstcolorado.com/ Health First Colorado Member Contact Center: 1-800-221-3943/ State Relay 711 CHP+: https://www.colorado.gov/pacific/hcpf/child-health- plan-plus CHP+ Customer Service: 1-800-359-1991/State Relay 711

IOWA – Medicaid

Website: http://dhs.iowa.gov/Hawki Phone: 1-800-257-8563

KANSAS – Medicaid

NEW HAMPSHIRE – Medicaid

Website: http://www.kdheks.gov/hcf/ Phone: 1-785-296-3512

Website: https://www.dhhs.nh.gov/oii/hipp.htm Phone: 603-271-5218 Toll free number for the HIPP program: 1-800-852-3345, ext 5218 Medicaid Website: http://www.state.nj.us/humanservices/ dmahs/clients/medicaid/ Medicaid Phone: 609-631-2392 CHIP Website: http://www.njfamilycare.org/index.html CHIP Phone: 1-800-701-0710 Website: https://www.health.ny.gov/health_care/medicaid/ Phone: 1-800-541-2831 NEW JERSEY – Medicaid and CHIP NEW YORK – Medicaid

KENTUCKY – Medicaid

Website: https://chfs.ky.gov Phone: 1-800-635-2570

LOUISIANA – Medicaid

Website: http://dhh.louisiana.gov/index.cfm/subhome/1/n/331 Phone: 1-888-695-2447

MAINE – Medicaid

NORTH CAROLINA – Medicaid

Website: http://www.maine.gov/dhhs/ofi/public- assistance/index.html Phone: 1-800-442-6003 TTY: Maine relay 711

Website: https://dma.ncdhhs.gov/ Phone: 919-855-4100

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MASSACHUSETTS – Medicaid and CHIP

NORTH DAKOTA – Medicaid

Website: http://www.mass.gov/eohhs/gov/departments/masshealt h/ Phone: 1-800-862-4840 Websitehttps://mn.gov/dhs/people-we- serve/seniors/health-care/health-care- programs/programs-and-services/other-insurance.jsp Phone: 1-800-657-3739 Website: http://www.dss.mo.gov/mhd/participants/pages/hipp.htm Phone: 573-751-2005 MINNESOTA – Medicaid MISSOURI – Medicaid

Website: http://www.nd.gov/dhs/services/medicalserv/medicaid/ Phone: 1-844-854-4825

OKLAHOMA – Medicaid and CHIP

Website: http://www.insureoklahoma.org Phone: 1-888-365-3742

OREGON – Medicaid

Website: http://healthcare.oregon.gov/Pages/index.aspx http://www.oregonhealthcare.gov/index-es.html Phone: 1-800-699-9075

MONTANA – Medicaid

PENNSYLVANIA – Medicaid

Website: http://dphhs.mt.gov/MontanaHealthcarePrograms/HIPP Phone: 1-800-694-3084

Website: http://www.dhs.pa.gov/provider/medicalassistance/healt hinsurancepremiumpaymenthippprogram/index.htm Phone: 1-800-692-7462 Website: http://www.eohhs.ri.gov/ Phone: 855-697-4347, or 401-462-0311 (Direct RIte Share Line) RHODE ISLAND – Medicaid

NEBRASKA – Medicaid

Website: http://www.ACCESSNebraska.ne.gov Phone: (855) 632-7633 Lincoln: (402) 473-7000 Omaha: (402) 595-1178

NEVADA – Medicaid

SOUTH CAROLINA – Medicaid

Medicaid Website: https://dwss.nv.gov/ Medicaid Phone: 1-800-992-0900

Website: https://www.scdhhs.gov Phone: 1-888-549-0820

SOUTH DAKOTA - Medicaid

WASHINGTON – Medicaid

Website: http://dss.sd.gov Phone: 1-888-828-0059

Website: https://www.hca.wa.gov/

Phone: 1-800-562-3022 ext. 15473

TEXAS – Medicaid

WEST VIRGINIA – Medicaid

Website: http://gethipptexas.com/ Phone: 1-800-440-0493

Website: http://mywvhipp.com/

Toll-free phone: 1-855-MyWVHIPP (1-855-699-8447)

UTAH – Medicaid and CHIP

WISCONSIN – Medicaid and CHIP

Medicaid Website: https://medicaid.utah.gov/ CHIP Website: http://health.utah.gov/chip Phone: 1-877-543-7669

Website: https://www.dhs.wisconsin.gov/publications/p1/p10095.p df Phone: 1-800-362-3002

VERMONT– Medicaid

WYOMING – Medicaid

Website: http://www.greenmountaincare.org/ Phone: 1-800-250-8427

Website: https://wyequalitycare.acs-inc.com/ Phone: 307-777-7531

VIRGINIA – Medicaid and CHIP

Medicaid Website: http://www.coverva.org/programs_premium_assistance.c fm Medicaid Phone: 1-800-432-5924 CHIP Website: http://www.coverva.org/programs_premium_assistance.c fm CHIP Phone: 1-855-242-8282

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To see if any other states have added a premium assistance program since July 31, 2019, or for more information on special enrollment rights, contact either:

U.S. Department of Labor

U.S. Department of Health and Human Services Centers for Medicare & Medicaid Services

Employee Benefits Security Administration

www.dol.gov/agencies/ebsa

www.cms.hhs.gov

1-866-444-EBSA (3272)

1-877-267-2323, Menu Option 4, Ext. 61565

HIPAA SPECIAL ENROLLMENT NOTICE

As you know, if you have declined enrollment in your employer’s health plan for you or your dependents (including your spouse) because of other health insurance coverage, you or your dependents may be able to enroll in some coverage’s 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.

Your employer 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 the employer 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.

HIPAA PRIVACY NOTICE REMINDER

The privacy rules under the Health Insurance Portability and Accountability Act (HIPAA) require the MAA Welfare Benefit Program (the “Program”) to periodically send a reminder to participants about the availability of the Program’s Privacy Notice and how to obtain that notice. The Privacy Notice explains participants’ rights and the Program’s legal duties with respect to protected health information (PHI) and how the Program may use and disclose PHI.

To obtain a copy of the Privacy Notice, contact the Benefits Department at 877-277-2327.

WOMEN’S HEALTH AND CANCER RIGHTS ACT ANNUAL NOTICE

Do you know that your plan, as required by the Women’s Health and Cancer Rights Act of 1998, provides benefits for mastectomy- related services including all stages of reconstruction and surgery to achieve symmetry between the breasts, prostheses, and complications resulting from mastectomy, including lymphedema? Call your plan administrator at the number shown on your medical ID card for more information.

NEWBORNS’ AND MOTHERS’ HEALTH PROTECTION ACT DISCLOSURE

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

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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)

WSACTIVELLP:9378038.1

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