Plan Documents & Eligibility

Berkshire Hathaway will fully support reasonable Plan Sponsor accommodations to Plan eligibility provisions that ensure that eligibility remains in place for those existing Plan participants impacted by COVID-19 driven leaves of absence, temporary furloughs, and quarantines.

Please notify Berkshire Hathaway as soon as possible of such accommodations.

Layoffs & Furloughs

Refer to above "Plan Documents & Eligibility" section.

COBRA Extension Guidelines

Berkshire will honor the extension of certain timeframes affected by COVID-19 Outbreak beginning March 1, 2020 as outlined in the attached document.

IRS New Regulations

On April 29, 2020 the U.S. Department of Labor and the U.S. Department of the Treasury, in consultation with the U.S. Department of Health and Human Services, issued a Final Rule that extends various timeframes applicable to employee benefit plans (Rule).  The Rule requires that ERISA Plans disregard the COVID-19 Outbreak Period when determining various deadlines outlined in the Rule.  BHSI recognizes that adherence to the Rule could have an impact on our policyholders’ stop loss coverage.  It is our intent to cover under our stop loss policy actions taken in accordance with the Rule.  In doing so, BHSI will not adjust specific rates or aggregate factors as a result of the extensions nor will we require Plan Amendments to address the Rule.

Claims Reimbursements & Timely Filing

Berkshire Hathaway assures they are processing claims 'business as usual'. Claims will continue to be processed and reimbursed with the same standard of
care and expediency as usual.

Berkshire Hathaway highly recommends that Policyholders arrange for ACH reimbursements (if they have not already done so) to ensure the quickest claims reimbursement turn-around time.

For each reimbursement processed, Berkshire Hathaway will notify the Policyholder and copy the Producer and/or TPA with a copy of the EOB for their
records.

Early Rx Refills

Effective March 1, 2020 through August 31, 2020 (unless further extended by Berkshire Hathaway), Berkshire will fully support permitting early refills of medication to ensure participants have a 30-day supply on hand.

No prior notification to Berkshire Hathaway is required, however please notify Berkshire Hathaway as soon as possible as the Plan Sponsor implements this change.

Telemedicine & Virtual Visits

Effective March 1, 2020 through August 31, 2020 (unless further extended by Berkshire Hathaway), Berkshire will fully support waiving cost sharing for virtual visits or telemedicine.

No prior notification to Berkshire Hathaway is required, however please notify Berkshire Hathaway as soon as possible as the Plan Sponsor implements this change.

Testing & Cost Share

Effective March 1, 2020 through August 31, 2020 (unless further extended by Berkshire Hathaway), Berkshire will fully support the waiving deductibles, copays, and cost sharing on covered participants for COVID-19 testing.

No prior notification to Berkshire Hathaway is required, however please notify Berkshire Hathaway as soon as possible as the Plan Sponsor implements this change.

Rate or Coverage Changes

As it relates to the Right to Recalculate and Minimum Aggregate Attachment Point provisions, Berkshire Hathaway's policy allows for the recalculation of rates if enrollment changes by more than 15%.

Requests outside of the policy provisions must be handled on a case by case basis, even during COVID-19.

Special Enrollment Periods

BHSI would review requests for special enrollment periods (current enrolled individuals being given the option to change plans mid year) on a case by case basis.

Grace Period Extensions

The Stop Loss policy has a 45-day Grace Period for the payment of premiums.

Should a Plan Sponsor's ability to timely ascertain and pay their premium change as a result of unexpected disruptions or closures of their various locations, please notify Berkshire as soon as possible so they can arrange a mutually acceptable revised payment schedule.