The provision prohibits plans from entering into an agreement with a healthcare provider, network or association of providers, third-party administrator (TPA) or other service provider offering access to a network of providers that would restrict the plan from accessing and sharing certain information.

The U.S. Department of Health and Human Services (HHS) is collecting the attestations on behalf of the Department of Labor, HHS and the Treasury.

The Centers for Medicare & Medicaid Services (CMS) requires employers to complete the attestation via a webform. To log in, you need a unique code that you’ll receive after clicking on the "Don't have a code or forgot yours?" button. Enter your email address and click "Get my unique code." A GCPCA Responsible Entity Excel Template (XLSX) (may 2024, version 6) is also available to submit.

Either way, the attestation requests:

• Name of the reporting entity
• Employer Identification Number (EIN)
• If applicable, the three-digit plan number that you reported you reported on IRS Form 5500
• Reporting entity type
• Mailing address for the reporting entity
• Phone number for reporting entity point-of-contact
• Types of provider agreements addressed in the attestation

This attestation will be required annually.

Employers with plans administered by Star Marketing and Administration, Inc., can download this confirmation of compliance, which can be used as supportive documentation for their attestation.

• Frequently Asked Questions (PDF)
• Instructions for submitting the GCPCA (PDF) (version 6.1)
• User Manual for submitting the GCPCA (PDF) (version 7.0)
• GCPCA Responsible Entity Excel Template (XLSX) (May 2024, version 6)

Employers that offer group health plans administered by Star Marketing and Administration Inc. should log in at TrustmarkSB.om/login, go to their Administration Kit and use the 2025 Medicare calculator to determine if their plan is creditable. Employers should review their plan status now.

Employers that offer group health plans administered by Star Marketing and Administration Inc. should log in at TrustmarkSB.om/login, go to their Administration Kit and use the 2025 Medicare calculator to determine if their plan is creditable. Employers should review their plan status now.

• Plans without PPO networks that are administered by Star Marketing and Administration, Inc., are affected by this change. 
• The change does not apply to plans with standard PPO networks that we administer.*

*The change also applies to plans that offer a network for practitioners but use reference-based pricing to determine provider payment for billed charges for most covered services for facilities and out-of-network services.

• Emergency care
• Air ambulance

• Covered employees can typically expect lower out-of-pocket costs.
• In most situations, claim costs for plans will be reduced.

The No Surprises Act, established as part of the Consolidated Appropriations Act, 2021, to help eliminate surprise medical bills, allows the initial payment of the claims listed above to be determined by a calculation different from the one now used.

Beginning May 17, 2023, if a provider of the affected services decides to negotiate a claim payment, plans may be responsible for a greater amount, up to the cost determined by the current calculation.
 

Effective for plan years beginning on or after 1/1/23, the No Surprises Act requires the provision of a tool to estimate cost-sharing information that members can access, via the Internet, for a specific healthcare service among providers in a particular geographic region during the plan year.
 
The Transparency in Coverage Rule requires a web tool (available to members) making certain information available for:

• 500 items and services identified by the federal government, effective for plan years beginning on or after 1/1/23
• all other items and services, effective for plan years beginning on or after 1/1/24

How we responded
Effective Dec. 1, 2022, employees covered under self-funded health benefit plans administered by Star Marketing and Administration, Inc., can shop online for medical procedures provided by doctors and facilities in their area to find high-quality, affordable care and get an out-of-pocket cost estimate. Via Healthcare Bluebook^TM, green, yellow and red color signs will help guide covered employees to the right care

The Consolidated Appropriations Act, 2021, (CAA) requires insurance companies and employer-based health benefit plans to submit information about prescription drug costs for a two-year period (2020 and 2021) by Dec. 27, 2022. Star Marketing and Administration, Inc., will submit this data so plans do not need to, but we are requesting input from sponsors of group plans in order to complete this accurately on their behalf. 

To help self-funded plans comply with this CAA provision, we are asking employers to submit their group health plan number reported on IRS Form 5500, if applicable, by Oct. 21, 2022. An email will be sent to employers on Oct. 7, 2022, with the request.

The data submitted will help: identify major drivers of increases in prescription drug and healthcare spending; explain how prescription drug rebates impact premiums and out-of-pocket costs; and promote transparency in prescription drug pricing. Drug data will be consolidated at the state level and individual plan information will not be identifiable.

For plan years beginning Jan. 1, 2022, the Transparency in Coverage Final Rule requires non-grandfathered, employer-sponsored group health benefit plans to disclose information in machine-readable files on a public website and to update them monthly. Files are required for in-network rates and out-of-network allowed amounts and billed amounts. The rule allows for a link to the information that must be posted to a public website by July 1, 2022. The link will be sent to employers with a plan administered by Star Marketing and Administration, Inc., on June 22, 2022.

Allows certain members who are continuing care patients to elect, if their provider/facility loses PPO network status, to continue receiving in-network benefits for the care from that provider/facility.
 
A Continuing Care Patient is defined as someone who is:

• undergoing a course of treatment from a provider or facility for a serious and complex condition;
• undergoing a course of institutional or inpatient care;
• scheduled to undergo nonelective surgery;
• pregnant and undergoing a course of treatment for the pregnancy; or terminally ill.

Must provide access to PPO network provider database on plan’s website.
 
Note: Electronic provider information is now available through networks directly. Links to available PPO networks are located on our website. PPO networks are responsible for the accuracy and maintenance of their databases and directories.

Must provide clear information on deductibles and out-of-pocket limits, along with a telephone number and website address for consumer assistance on ID cards.
 
Note: Members of health benefit plans administered by Star Marketing and Administration, Inc., will receive an updated ID card showing the out-of-pocket maximum at the start of their new plan year beginning on or after 1/1/22.

A federal process has been established to resolve disputes regarding plan out-of-network payments for emergency services provided by nonparticipating providers/facilities/air ambulances and for non-emergency services furnished by certain nonparticipating providers/facilities at participating healthcare facilities. Process deadlines provided below.⁴

Unless notice and consent (see below) is satisfied⁵, a member’s cost share for non-emergency care at an in-network facility by an out-of-network healthcare provider will be calculated using the lesser of: the billed amount or the median of the applicable contracted rates. The cost-share amount will be applied to the in-network deductible and in-network out-of-pocket limit. Ultimate payments by the plan may be subject to independent dispute resolution.

Most out-of-network providers⁵ must notify a member that they are not in the patient’s PPO network and obtain the patient’s written consent before providing non-emergency care.

Standard Notice and Consent Documents Under the No Surprises Act

Cost share for out-of-network emergency care will be calculated using the lesser of: the billed amount or the median of the applicable contracted rates. The cost-share amount will be applied to the in-network deductible and in-network out-of-pocket limit. Ultimate payments by the plan may be subject to independent dispute resolution.  
  

Must be revised to meet requirements.

Note: Members of a health benefit plan administered by Star Marketing and Administration, Inc., will receive an updated plan document at the start of their new plan year beginning on or after 1/1/22.

 Out-of-network providers are prohibited from balance billing for certain types of services:

• Out-of-network emergency care
• Certain types of care by an out-of-network provider at an in-network facility
• Out-of-network air ambulance services

Model Disclosure Notice: Patient Protections Against Surprise Billing

Note: This provision applies to our major medical plan designs with a PPO network.

Prior authorization cannot be applied to emergency care provided by emergency departments and freestanding emergency-care facilities.

Note: We already support compliance with this provision: Our plan designs do not require prior authorization for emergency care.

If a member is transported by an out-of-network air ambulance, cost sharing must be calculated using the lesser of: the billed amount or the median of the applicable contracted rates. The cost-share amount will be applied to the in-network deductible and in-network out-of-pocket maximum. Ultimate payments by the plan may be subject to independent dispute resolution.

Must provide good-faith estimate of cost of healthcare services and members’ cost-share responsibilities. (No Surprises Act)

Providers and facilities must provide a good-faith estimate for individuals enrolled in a health plan and seeking to submit a claim for scheduled items or services to their plan or coverage. (Consolidated Appropriations Act, 2021)

Must publish machine-readable files containing prescription drug pricing on a public website. (Transparency in Coverage Rule )

The Consolidated Appropriations Act, 2021, requires the submission of certain data by June 1, 2023, for the Prescription Drug Data Collection (RxDC) report. The data will show spending on prescription drugs and healthcare services, prescription drugs that account for the most spending, drugs that are prescribed most frequently, prescription drug rebates from drug manufacturers, the required contribution for each employer-sponsored plan in 2022 for covered employees, as well as cost-sharing for covered employees.

We will submit data annually for each group. On March 6, 2023, we will send an email to sponsors of self-funded health benefit plans requesting information that is needed to complete the submission accurately.

The provision prohibits plans from entering into an agreement with a healthcare provider, network or association of providers, third-party administrator (TPA) or other service provider offering access to a network of providers that would restrict the plan from accessing and sharing certain information.

The U.S. Department of Health and Human Services (HHS) is collecting the attestations on behalf of the Department of Labor, HHS and the Treasury.
 

The Centers for Medicare & Medicaid Services (CMS) requires employers to complete the attestation via a webform. To log in, you need a unique code that you’ll receive after clicking on the"Don't have a code or forgot yours?" button. Enter your email address and click "Get my unique code." A GCPCA Reporting Entity Excel Template  is also available to submit.

Either way, the attestation requests:

• Name of the reporting entity
• Employer Identification Number (EIN)
• Plan number, if applicable
• Reporting entity type
• Mailing address for the reporting entity
• Phone number for reporting entity point-of-contact
• Types of provider agreements addressed in the attestation

This attestation will be required annually.

 

Employers with plans administered by Star Marketing and Administration, Inc., can download this confirmation of compliance, which can be used as supportive documentation for their attestation.

For more information …

Check out these CMS documents:

• Frequently Asked Questions 
• Instructions for submitting the GCPCA
• User Manual for submitting the GCPCA