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BASIC Individual Coverage Health Reimbursement Arrangement (ICHRA)

Thank you for being a BASIC ICHRA client. See below for important information, resources, and guidelines on your responsibilities as an employer.

Follow these initial steps below. Refer to the Client Administration Manual for additional information and responsibilities.

Provide original census file at initiation; complete and provide contribution rates.
Engage with the Enroller when establishing coverage for employees.
Provide the applicable forms below to your employees.
Review the Important Employee Information area below with your employees.
Ensure funds are available for premium processing by the 21st of each month.
Promptly notify BASC of any new hires, terminations or employee leaves of absence.

ICHRA Model Attestations – Family Coverage. You have been offered an individual coverage health reimbursement arrangement (HRA) to help you pay for medical care expenses.
Abbreviated ICHRA Model Notice – Family Coverage. This notice is required to be distributed annually to eligible employees 90 days before benefit effective date.
Medicare Part D Non-Creditable Coverage. The employer must distribute this notice to all ICHRA participants prior to October 15.
ICHRA Employee Waiver Form. This form must be completed by an employee to waive their opportunity to participate in the ICHRA.

ICHRA Model Attestations – Employee Only. You have been offered an individual coverage health reimbursement arrangement (HRA) to help you pay for medical care expenses.
Abbreviated ICHRA Model Notice – Employee Only. This notice is required to be distributed annually to eligible employees 90 days before benefit effective date.
Medicare Part D Non-Creditable Coverage. The employer must distribute this notice to all ICHRA participants prior to October 15.
ICHRA Employee Waiver Form. This form must be completed by an employee to waive their opportunity to participate in the ICHRA.

Employees should be offered time to meet with their Enroller during business hours.
When the Enroller reaches out to your employees, make sure they respond timely.
With a leave of absence without benefits, a return from a leave of absence or a termination of employment, the employee is not eligible for ICHRA, have to maintain coverage by paying carriers directly by setting up reimbursements with their carrier.
SPECIAL CARRIER SITUATION #1: If your employee chooses a carrier that does not allow a card for payments, the employee will have to pay out of pocket and request reimbursement.
SPECIAL CARRIER SITUATION #2: If your employee chooses a carrier that allows a digital debit card for the initial premium payment only, the employee will have to set up recurring payments with their digital card.

ICHRA Employer Instructions for Model Attestations.
Creditable Coverage Disclosure to CMS Guidance.
Consumer Driven Accounts Client Administration Manual. Instructions on how to manage your benefit plans online.
Participant Reference Guide. Guide to the BASIC system and account management for employees.
ICHRA Participant Benefits and Information. Coming Soon!