Gag Clause Attestation Guide

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Gag Clause Attestation Guide

September 7, 2023

Employer-sponsored group health plans (both self-funded and fully insured) are prohibited from entering into agreements with a health care provider, network or association of providers, third-party administrator, or other service provider where the plan is restricted from accessing and sharing certain information. Employer-sponsored group health plans are also required to submit an annual attestation that the plan is in compliance with these requirements. The due date for attestations is December 31, 2023. Below is a chart outlining carrier positions on Gag Clause Attestations.

Additional information regarding the Gag Clause Prohibition requirements can be found on the CMS website. On this site, plan sponsors can find Frequently Asked Questions, detailed instructions for submitting the attestations, a link to the reporting template, and a link directly to the web form for submission.

AetnaBased on recent market intelligence and feedback from our broker/consultant community, we have reassessed our approach for the Gag Clause Prohibition Compliance Attestation (GCPCA):
 
Aetna will submit the GCPCA on behalf of all fully-insured plan sponsors including small group and middle market AFA plan sponsors.
As previously decided, Aetna will not submit the GCPCA template on behalf of our self-funded plan sponsors.
 
Plan sponsors must submit their attestation through the web form that the Centers for Medicare and Medicaid Services (CMS) has created.
AmeriHealth/ AmeriHealth AdministratorsAmeriHealth and AmeriHealth Administrators will submit the attestation for fully insured and self-funded customers by the required date from CMS. Data will not be provided to the customers directly. AmeriHealth Administrators will post a Market Edge article notifying the customers that the attestation was completed.
AnthemAnthem is telling fully insured clients that Anthem will file the Gag Clause Prohibition Compliance Attestation on their behalf by the December 31, 2023, deadline. There is no action required of them. (Also applies to Small Group MEWA, ABF, Minimum Premium, and FEHP.)
CapitalCapital is preparing to submit attestations of compliance on behalf of fully-insured groups. Additionally, ASO groups may elect to have Capital submit attestations on the group’s behalf. We will share more details on this option in the near future.
CignaFor fully insured clients:
  • As an employer, and as an issuer, Cigna Healthcare will be attesting for itself and for its fully insured business.
  • Previous regulatory guidance assured that with submission of an attestation by Cigna Healthcare, the Departments of Health and Human Services, Labor, and the Treasury (collectively, the Departments) will consider BOTH the fully insured plan (clients) and the issuer (Cigna Healthcare) to have satisfied the attestation submission requirement.
  • Therefore, fully insured clients may choose to rely on the Cigna Healthcare attestation. No action is necessary on the part of your fully insured clients. The Cigna Healthcare confirmation-of-compliance letter is included in the communication to these clients.
For self-funded (ASO) clients:
  • Cigna Healthcare does not intend to attest on behalf of all Administrative Services Only (ASO) clients. However, given the unique status of level-funded and graded-funded ASO clients, Cigna Healthcare will support you by attesting on their behalf directly to the regulators before 12/31/23 (and before the annual CMS deadline in future years).
  • ASO clients must provide their own submission, through the portal set up by the Departments, attesting to the compliance of its ASO agreements with all providers (i.e., Cigna Healthcare and any other providers used for carve-out services).
  • To assist clients, we have attached a letter from Cigna Healthcare that states Cigna Healthcare is complying and intends to attest as such to the Departments.
HealthNow (HNAS)HealthNow Administrative Services hereby confirms that the administrative services provided to clients are consistent with the requirements set forth in the Consolidated Appropriations Act, 2021, Section 201: INCREASING TRANSPARENCY BY REMOVING GAG CLAUSES ON PRICE AND QUALITY INFORMATION.
Highmark

Fully-Insured Clients:

  • Highmark will submit GCPA’s on behalf of it’s fully-insured and cost-plus clients. Any fully-insured and cost-plus clients wanting to know the attestation was submitted on their behalf will receive official communication confirming it’s been completed.

Administrative Services Only (ASO) Clients:

  • ASO clients will be responsible for preparing and filing GCPAs. This link can be used by ASO clients as it contains instructions as to where and how to submit GCPAs provided by CMS. To assist our ASO customers, Highmark will provide all ASO clients with a statement confirming its compliance with the CAA’s Gag Clause Prohibition. ASO clients will still need to review contracts they may have with other vendors to ensure Gag Clause Prohibition compliance. Please note, Highmark will not have insight into agency acceptance of ASO client’s GCPAs so confirmation cannot be supplied by Highmark of ASO client submissions.
Horizon (NJ)

Fully Insured Group Plans: Horizon will attest on the Department of Health and Human Services (HHS) website on behalf of its fully insured groups, as required. No action is required by the customer to attest for their fully insured business with Horizon. This is applicable to both medical and behavioral health coverage.

Group health plan sponsors
Self-funded Group Health Plan Sponsors (including mixed funded): The group health plan sponsor is required to submit the attestation on their own behalf. Horizon will provide a Certificate of Compliance by the end of 3rd quarter (Q3) 2023, which the self-funded group health plan customer may use to support its attestation submission on the HHS website. Horizon will post the Certificate of Compliance intended for our ASO groups on our website by the end of the Q3 2023, and each year thereafter. The Certificate of Compliance will also be made available to your Horizon account manager.

Prime Therapeutics (Prime): In agreement with Prime Therapeutics, our Pharmacy Benefits Manager, Horizon will also share Prime’s Certificate of Compliance on our website by the end of Q3 2023, and each year thereafter. This is only applicable to groups who have pharmacy coverage with Horizon.

Imagine360Imagine360 will be submitting an attestation on behalf of all clients that are active as of the date of the submission. Our submission is limited to any direct provider contracts with Imagine360 (or affiliates) and contracts between Imagine360 and our clients. This includes any providers our health plan clients may access through a network agreement or third-party agreement (e.g. PBM) that is held by Imagine360 (or affiliates). If a health plan maintains any other direct contracts, it must submit its own attestation for those specific agreements.
Independence Blue Cross / Independence AdministratorsIndependence Blue Cross and Independence Administrators will submit the attestation for insured and self-funded customers by the required date from CMS. Data will not be provided to the customers directly. Independence will post an Edge article notifying the customers that the attestation was completed.
Trustmark

Employers that sponsor self-funded health benefit plans are required to submit a Gag Clause Prohibition Compliance Attestation (GCPCA) by Dec. 31, 2023, to the federal government. Plans administered by Star Marketing and Administration, Inc., comply with the provision established by the Consolidated Appropriations Act, 2021.

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.

United Healthcare

Fully insured: 

  • UnitedHealthcare will make the attestation to the HHS portal as required. No action is required by the customer to attest for their fully insured business with UnitedHealthcare.

Level Funded and self-funded groups: 

  • UnitedHealthcare does not submit the attestation. UnitedHealthcare will provide a confirmation of compliance, which the customer may use to support its own attestation submission to the HHS portal.

Communications strategy:

  • The confirmation of compliance will be available by end of Q3 each year. This confirmation will go out via the Connect news and be posted in the news section of uhc.com when it is available. The confirmation will also be available from your UnitedHealthcare account team

Mixed funded:

  • UnitedHealthcare will submit the attestation for fully insured plans. The customer will need to complete the attestation for the self-funded plans. UMR and Surest will follow the UnitedHealthcare approach.