We at Tech Needs are pleased to announce that our Open Enrollment for Health Insurance Coverage is now available to employes of Tech Needs. Open Enrollment will run from November 24, 2014 to December 12, 2014 for January 1, 2015 coverage.
We are offering several different health plans for you to choose from. You can access the information on the health plans available to you in one of two ways.

Option 1:
You can go online and log into the Balance Benefits website by entering the following into your browser:
Your user name is the first six letters of your last name and the last four digits of your social security number (no spaces/no hyphens). Example: George Washington – WASHIN9999, or Jane Doe – DOE9999.
Your password is the last four digits of your social security number.

Option 2:
You can call your Benefit Information Specialist today at 1-800-865-9164. There is a Benefit Consultant available to you 24/7 (multi-lingual) to explain your options and answer any questions you may have. (See attached PDF for more info)
Effective January 1, 2014, all US citizens, and people working in the country legally, are required to have health insurance that meets certain minimum guidelines. If you do not obtain health insurance that meets these minimum guidelines, you will be required to a pay a penalty.
Here are some important points to keep in mind regarding this requirement:
• On October 1, 2013, the government opened the Health Insurance Exchanges, now called “Marketplaces”.
• Marketplaces offer you access to coverage regardless of any medical conditions you may have as well as offer health insurance coverage for both individuals and families.
• Generally, if you are a full-time employee of Tech Needs you will not be eligible for subsidized coverage from the Marketplace; however, if your family income drops below a certain level, you may regain eligibility for a subsidy.
• If you are not eligible for a subsidy, you will pay the full cost of Marketplace coverage; we do not provide financial assistance for Marketplace coverage.
Coverage from Tech Needs is available on a tax-free basis, while coverage from the Marketplace is only available on an after-tax basis.

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