1 Providing Health Care Access to Workers with Disabilities through Community-Based Financing Community-based financing for health care access (CBF-HC) is any funding arrangement used by a group of individuals to collectively improve their access to health care. This toolkit focuses on CBF-HC as a mechanism for providing access to health care for workers with disabilities and chronic conditions through a variety of innovative financing arrangements that are specifically tailored to a community s needs and resources. i Table of Contents Community-Based Financing as an Option for Employers and Employees with Disabilities... 2 Successful Models of Community-Based Financing... 3 Cost-sharing... 3 Donated care... 4 Assessing Your Readiness for Community-Based Financing... 5 Designing a CBF-HC Program: Key Components... 6 Measuring Success in Community-Based Financing Defining Outcomes Research Methods and Data Collection Data reporting Program Snapshots Shelby County,Tennessee Ingham County, Michigan Cabell County, West Virginia Adams County, Illinois Cumberland, Kenebec, and Lincoln Counties, Maine Providing Health Care Access to Workers with Disabilities through Community-Based Financing.1.
2 Community-Based Financing as an Option for Employers and Employees with Disabilities Community-Based Financing Programs Help insure individuals who can t afford private health insurance and are ineligible for government benefits Provide alternatives to small businesses that wish to offer health care access to employees Allow workers with and without disabilities remain in the workforce by securing needed health care coverage Many people with disabilities are either in low-wage or part-time jobs without access to health insurance, or are unemployed in order to be covered by public health insurance programs such as Medicare and Medicaid. ii Workers who do have employer-based coverage may have difficulty reducing hours when necessary, or taking leave for recovery or rehabilitation, for fear of losing their health benefits. iii They too may face the choice between employment with little flexibility in health care coverage or eligibility for government benefits. The CBF model presents a real alternative for individuals with disabilities who want to remain in or re-enter the workforce, and employees who want to minimize possible employee turnover caused by employees with disabilities leaving to secure health care coverage. Providing Health Care Access to Workers with Disabilities through Community-Based Financing.2.
3 Successful Models of Community-Based Financing Cost-sharing is a multiparty arrangement that spreads the cost of health care across all involved parties, in accordance with an agreed-upon formula. In a cost-sharing model, consumers may be required to pay part of the bill for covered services in order to secure lower premiums, or increase consumer control over health care services. iv Cost-sharing as a component of a CBF-HC program can help employers who struggle with the high cost of health insurance afford coverage for their employees with disabilities. Cost-sharing programs may include: Employer participation Prescription drug coverage Co-insurance Restricted benefits Community subsidies Donated care Specialized care In-kind payments Offering the Uninsured of Cabell County Health Care (OUCH!) OUCH! offered a plan that split premium costs among employer, employee, and a community fund. With a $3,000 cap and aggressive care management that worked with other public programs, members received a wide variety of discretionary services. Providing Health Care Access to Workers with Disabilities through Community-Based Financing.3.
4 Donated care also known as in-kind care, may be the most versatile CBF-HC model. This model includes clinics or networks of health care providers who donate their services to the uninsured who might otherwise rely on hospital emergency rooms for care. While getting specialized services donated to a program can be a hurdle in some areas, appropriate outreach, marketing, and networking has been shown to bring in more comprehensive donated care. CarePartners of Maine is a good example of networking that has brought in specialized services to meet the needs of members people with disabilities, improving their ability to receive care without sacrificing employment for benefits. CarePartners Operating in Maine, CarePartners contracts with various local hospitals to provide donated services to people enrolled in the program. The benefits package for the program is completely based on donated services and can shift and accommodate as the program locates doctors willing to participate. Providing Health Care Access to Workers with Disabilities through Community-Based Financing.4.
5 Assessing Your Readiness for Community-Based Financing In order for new CBF-HC initiatives to be successful and sustainable, the community in question and the population within the service catchment area must be ready. A community readiness study should assess the needs, motivations, and unique characteristics of the community to understand if community-based financing is an appropriate option. Answers to the following questions will inform the structure, objectives, and goals of your potential program. Questions to Assess Community Readiness v Who is your target audience? What are their basic demographics and health care needs? What is the community s interest in relation to the issue? How does the community stand to benefit from covering more people through communitybased financing? What objections might stakeholders have to community-based financing? Are there costs, challenges, and/or expectations that might derail plans for communitybased financing? What do stakeholders stand to gain from CBF-HC? How can local leaders and community members benefit from the new financial entity? Does the community have a preference or position on the issue of health care? What has been done in the community around health care in the past, and are there other health care campaigns going on now? CarePartners of Maine created a list of factors that can affect the development and design of a community program, such as the supply of primary care providers, the supply of specialists, the presence of other free care programs, the demands of the population, organizational capacities, and hospital-based programs already in place. 1 Providing Health Care Access to Workers with Disabilities through Community-Based Financing.5.
6 Designing a CBF-HC Program: Key Components Definition of Need In order to design and implement a successful CBF-HC the community must assess the specific and unique needs it is trying to address. Identifying the needs of your target population will inform the decisions about design and implementation of your program. Needs in your community may include: Access to stopgap insurance Preventive care options Education Care Management Specialized Services Partnerships A CBF-HC program relies on partnerships with different community stakeholders. Many directors of existing programs stress the importance of having the right players at the table from the start. vi,vii Partnerships ensure that the programs many needs are achieved in efficient and effective manners. This reduces costs, increases the benefits a program can offer, provides community support, and educates members and the community. Potential partners include: Local hospitals Government entities Educators Social workers The general public Members of the target population. Organizational Status Identifying the CBF-HC framework, mission, goals, and framework is an important step in the program design process. Perhaps most important from a legislative perspective is establishing a non-profit or for-profit program. All existing CBF-HC programs referred to here are non-profits, enabling them to receive donations from the community and public. For more information on establishing a non-profit organization and related tax information, see the Internal Revenue Service Web site ( Governance A board of directors that is made up of key contributors and stakeholders will ensure sustained productivity and continued growth of the program. Including workers with disabilities adds voices representing some of the unique issues faced and care needs of this population. Providing Health Care Access to Workers with Disabilities through Community-Based Financing.6.
7 Defined Target Population CBF-HC initiatives often serve people who do not qualify for government subsidy programs, including those with disabilities, but cannot afford private market insurance coverage. In order to determine the target population a CBF program can cover, stakeholders must understand a community s size, geographic location, existing resources, and any special needs that might affect the final program model. Figure 1. Schematic of CBF Study Population In April 2009, Bureau of Labor Statistics reported 6.11 million people with disabilities in the labor force (PWD-LF), 5.31 million were employed 802 thousand were unemployed. viii Eligibility Criteria Eligibility parameters vary. They may include: Income Geographic location Minimum work requirement (i.e., 20 hours per week minimum for eligibility) Sample Eligibility Criteria Church Health Center Eligibility CarePartners Eligibility Ingham Health Plan Eligibility Providing Health Care Access to Workers with Disabilities through Community-Based Financing.7.
8 Services Services must balance the needs of the population, what the program can afford ix, and what other existing public programs might cover. Services can be limited in what they offer to people with disabilities. However access to preventive care and care management can ensure that all covered individuals are healthier, and more likely to stay in the labor force because they have their basic care needs met. Funding With some innovation and creativity, many funding sources can be tapped, including: Health Resources and Services Administration (HRSA) grants ( Robert Wood Johnson Foundation grants ( Waivers for Medicaid, Medicare; State Children's Health Insurance Program (SCHIP) funds ( aivprogdemopgi/mwdl/list.asp) Disproportionate Share Hospital (DSH) adjustment payments ( Ingham Health Plan utilizes a waivered SCHIP fund to pay for their health plans. CarePartners utilizes a contract with participating hospitals that target the DSH funds the hospital receives into sustaining their program. OUCH! relied on grants and community donations. The Church Health Organization has a consortium of churches behind it if it needs more funding. All of the programs highlighted in this toolkit use innovative funding mechanisms to provide preventive and specialized care to working people who don t have access to health care; these programs benefit individual workers, families, employers, and communities at large. Cost containment The cost containment measures of a CBF-HC program must fit the community. CarePartners of Maine can offer a more comprehensive benefits package not just because of their program structure, but also because of the state s characteristics. What works in one area may not work in another, so understanding how costs will be managed is an important step in ensuring sustainability. The National Conference of State Legislatures (NCSL) provides examples of cost containment ideas as examples ( /Default.aspx). Providing Health Care Access to Workers with Disabilities through Community-Based Financing.8.
9 Community Outreach and Recruitment Recruiting and retaining board members and volunteers can be a daunting task for any new community initiative. Wayne R. Pinnell ix, who is responsible for the recruitment and retention of the Laura s House 1 board, offered the following insights: Remember the recruiting process is an opportunity to get to know people and for them to get to know you Make sure they understand the mission of your program and that it aligns with their own views and beliefs Find out how they want to serve the organization Evaluate them for personal motivation Place a new member in a position to thrive, not fail Encourage feedback and self-reflection Additionally, A CBF-HC initiative must promote the program to its target audience, while at the same time educating community members about preventive care and its benefits. The Church Health Organization One promising example of low-cost recruitment and outreach is the Church Health Center program in Memphis, Tennessee. Using the church consortium network, the program identifies lay advisors who participate in an 8-week training course on community health care. These lay advisors identify people who need preventive or corrective care and encourage them to get that care, guiding them to the program. The visibility of these advisors is part of the effort to make the community aware of the program s features and benefits. 1 Laura s House is a non profit organization that addresses issues related to domestic violence and abuse. Providing Health Care Access to Workers with Disabilities through Community-Based Financing.9.
10 Measuring Success in Community-Based Financing Defining Outcomes The designers of CBF-HC programs expect that their programs will produce positive results, whether by insuring a larger part of the population, managing chronic care, or reducing the costs of hospital emergency room use. To evaluate a program s outcomes requires clearly defining the expected outcomes, collecting and reporting valid and reliable baseline data, gathering information on program implementation, and collecting and reporting outcome data. CarePartners of Maine s final report provides one example of CBF-HC program evaluation. (This 91 page final report is available at Research Methods and Data Collection Understanding all the research methods and data collection strategies available to you and your program can be difficult. Below are some Web sites that provide basic evaluation guidance to program planners: Research Methods Examples: How Data can be Collected and Sampled Research Methods Workshops ces/workshops/resch_wrk.html Data reporting It is important to report data in a way that can be understood by all of your program partners, especially community members. For example, CarePartners report to the community offers a simple and easy to follow guide to their programs, current status, and participating partners. Providing Health Care Access to Workers with Disabilities through Community-Based Financing.10.
11 Program Snapshots Shelby County,Tennessee Church Health Center/MEMPHIS Program Type: Eligibility Requirements: Benefit Type: Funding Sources: Members Served: 50,000 Cost to Member: Cost to Employer: Benefit Cap: Donated Care/Cost Sharing Work at least 20 hours/week Not eligible for other insurance (including Medicare, Medicaid, or private market insurance) Complete 3 consecutive months of employment Earn no more than $416/week Family income 200% of Federal Poverty Level (FPL) Comprehensive Donated care, sliding scale fees and premium payments; no government funding $35/month for member; $25/month for dependent; $120/month for family $10/month None Ingham County, Michigan Ingham Health Plan IHP Plan A Program Type: Eligibility Requirements: Benefit Type: Funding Sources: Members Served: Donated Care 35% FPL Resident of specified locale Determined eligible by Family Independence Agency Basic Waivered State Children s Health Insurance Program (SCHIP) funds and donated care 15,323 total in all 3 Ingham Health Plans Cost to Member: Nominal sliding scale co-pay ($2 - $12) Cost to Employer: Benefit Cap: N/A None Providing Health Care Access to Workers with Disabilities through Community-Based Financing.11.
12 Ingham Health Plan IHP Plan B Program Type: Donated Care Eligibility Requirements: Ages % FPL Resident of specified locale Not eligible for other health insurance programs (including Medicare, Medicaid, or private market insurance) Benefit Type: Funding Sources: Members Served: Basic Medicaid Disproportionate Share Hospital (DSH) funds from hospital contracts and donated care 15,323 total in all 3 Ingham Health Plans Cost to Member: Nominal sliding scale co-pay ($2-$12) Cost to Employer: Benefit Cap: N/A None Ingham Health Plan Third Share Plan Program Type: Eligibility Requirements: Benefit Type: Funding Sources: Members Served: Cost to Member: Cost to Employer: Cost Sharing Small employers located in Ingham County Been in business 2 years Not offered health insurance in 2 years Between 2-20 employees At least 50% of all employees make $10 or less/hour Basic Donated care and IHP county health plan subsidy 15,323 in all 3 Ingham Health Plans Variable at employer s discretion up to $135/month Variable up to $135/month Benefit Cap: Annual cap of $35,000, life cap of $200,000 Providing Health Care Access to Workers with Disabilities through Community-Based Financing.12.
13 Cabell County, West Virginia Offering the Uninsured of Cabell County West Virginia Health Care (OUCH!) Program Type: Eligibility Requirements: Benefit Type: Funding Sources: Cost Sharing 134%- 200% of FPL Working Ages Not eligible for any other health insurance programs (including Medicaid, Medicare, and Private Market) Basic Federal and Local Grants Donated Care Premium Payments Members Served: 150 (2004) Cost to Member: Cost to Employer: $36/month $36/month Adams County, Illinois Benefit Cap: Annual Cap $3,000 Access Health Care Adams County Illinois (AHAC) Program Type: Eligibility Requirements: Benefit Type: Funding Sources: Donated Care Household income at or below 200% of FPL Under age 65 Basic Federal and Local Grants Donated Care Members Served: Unknown (Target 17,000) Cost to Member: Cost to Employer: Benefit Cap: None N/A None Providing Health Care Access to Workers with Disabilities through Community-Based Financing.13.
14 Cumberland, Kenebec, and Lincoln Counties, Maine CarePartners Program Type: Eligibility Requirements: Benefit Type: Funding Sources: Members Served: Cost to Member: Cost to Employer: Benefit Cap: Donated Care Household income at or below 175% of FPL Ages Not eligible for any other health insurance programs (Medicaid, Medicare, or private market) Resident of Specified Locale Countable Assets less than $10,000 for individual (less than $12,000 for family) Comprehensive DSH Funds Donated Care Donations from the community Robert Wood Johnson Foundation Grant 1,054 currently enrolled (6,000 served total since inception) $10 per member per visit copay, $5, $10, $15 copay for pharmaceuticals as needed N/A None Providing Health Care Access to Workers with Disabilities through Community-Based Financing.14.
15 Health care access is a key consideration for those faced with a choice to reduce hours or exit the workforce due to a disability. While loss of insurance is a serious concern for any individual, it is an especially serious consideration for those with ongoing health care needs related to a chronic condition, disability, or the onset of disability. When people with disabilities are uninsured, they lack access to preventive and ongoing medical care, a situation that can lead to secondary health conditions that might otherwise be prevented. The high costs of health care coverage and the perceptions of cost by employers may make people with disabilities especially vulnerable, and lack of health insurance and access to health care can be one of the largest barriers preventing people with disabilities from seeking and obtaining steady employment. Policy initiatives that increase access to health care are important points for research, as they may directly influence a person s ability and motivation to stay in the workforce, or to re-enter the workforce after a period of receiving public insurance coverage. Community-based financing offers a viable alternative that meets individual basic and preventive care needs. By creatively coordinating and providing for the health care needs of the uninsured, CBF initiatives offer individuals with disabilities the opportunity re-enter or remain in the labor force. This document was developed under a contract with the U.S. Department of Labor, Office of Disability Employment Policy (Contract DOLU ). The opinions expressed herein do not necessarily reflect the position or the policy of the U.S. Department of Labor, nor does mention of trade names, commercial products, or organizations imply the endorsement of the U.S. Department of Labor. Providing Health Care Access to Workers with Disabilities through Community-Based Financing.15.
16 Endnotes i Dror, D. M., & Preker, A. S. (2002). Social reinsurance: A new approach to sustainable community health financing Danvers, MA: International Labour Organization & World Bank. ii Laplante, M. (2003). Disability health insurance coverage and utilization acute health services in the United States, Disability Statistics Report 4, iii Sprechman, S., & Pelton, E., (2001). Advocacy tools and guidelines: Promoting policy change. In CARE(Ed.). Atlanta, GA: CARE. iv Neis, M., & McEwen, M. (2001). Community health nursing: promoting the health of populations (3rd ed.). San Diego, CA: Elsevier Health Sciences v Schartz, H. A., Hendricks, D. J., & Blanck, P. (2006). Workplace accomodations: Evidence based outcomes. Work, 27, vi J. Welter, Personal Communication. June 2, 2009 vii C. Zechman, Personal Communication, June 3, viii Bureau of Labor Statistics (2009). Employment status and disability status: April Retrieved April 29, 2009 from: ix Pinnell, W. (2009). Recruiting and retaining board members. NONPROFIT CONVERSION. Retrieved May, 12, 2009, from 05/recruiting-and-retaining-board-members.html Providing Health Care Access to Workers with Disabilities through Community-Based Financing.16.
West Virginians for Affordable Health Care The Affordable Care Act: What It Means for Nurses and Future Nurses The Affordable Care Act: What It Means for Nurses and Future Nurses Prepared by Renate Pore
Summary of Federal SCHIP Reauthorization, Economic Stimulus, and Health Care Reform Bills and Proposals I. Children s Health Insurance Program (CHIP) Reauthorization Act of 2009 A. Funding for CHIP. The
FEBRUARY 2005 ILLINOIS MEDICARE CONSUMER PROFILE MEDICARE PART D: WHAT IT MEANS FOR ILLINOIS In response to the growing need for prescription drug coverage for Medicare consumers, in 2003 Congress passed
The Vermont Health Benefit Exchange: An Update Today s Discussion Health Reform Goals & Timeline Overview of Health Care Reform What is the Exchange? What Does the Exchange Look Like? Plan Design Enrollment
MAWD or Marketplace? What Pennsylvanians with Disabilities Need to Know About Choosing Health Insurance Coverage Summary Choosing health insurance coverage that best meets one s needs is important, especially
Hospital Accountability Project Health care affordability in Georgia A project of nonprofit consumer advocacy group Georgia Watch, the Hospital Accountability Project examines the financial practices of
Consumer Alert Health Insurance for 2014: What You Need to Know Before You Enroll (Individuals) As of January 1, 2014, most individuals must have some form of health coverage, or pay a penalty to the federal
The Affordable Care Act and People with Disabilities The Arc of Texas envisions a world where people with disabilities are included in their communities and neighborhoods and where quality supports and
How Health Reform Will Help Children with Mental Health Needs The new health care reform law, called the Affordable Care Act (or ACA), will give children who have mental health needs better access to the
APIA 25ASIAN & PACIFIC ISLANDER 1986-2011 AMERICAN HEALTH FORUM advocates guide to health care reform implementation in utah april 2011 Advocates for health justice The Asian & Pacific Islander American
Special Focus Area: The Affordable Care Act - Implications for Bellevue In early 2010, Congress passed and the President signed the Patient Protection and Affordable Care Act. Commonly known as the Affordable
SJR 35: HEALTH CARE Comparison of Selected Elements of the Major Federal Health Care Reform Proposals Prepared for the Children, Families, Health, and Human Services Interim Committee Sept. 11, 2009 Baucus
MARCIA J. NIELSEN, PhD, MPH Executive Director ANDREW ALLISON, PhD Deputy Director SCOTT BRUNNER Chief Financial Officer Report on: Massachusetts Commonwealth Health Insurance Connector Program Presented
Your Medicare Matters. Protect It! Steps to Safeguard Your Medicare brought to you in partnership by Health Insurance Counseling and Advocacy Program (HICAP) California Department of Aging California Senior
Health Insurance Coverage for Direct Care Workers: Key Provisions for Reform Introduction As an organization dedicated to our nation s 3 million direct-care workers and the millions of elders and people
APIA 25ASIAN & PACIFIC ISLANDER 1986-2011 AMERICAN HEALTH FORUM advocates guide to health care reform implementation in texas april 2011 Advocates for health justice The Asian & Pacific Islander American
National Healthcare Reform: Implications for Nursing Education and Practice UMass Graduate School of Nursing Alumni Association Program June 4, 2010 Katharine London 2 Goals for Today s Presentation Explain
THE GOVERNOR S BUDGET PROPOSAL FOR MASSHEALTH (MEDICAID) AND HEALTH REFORM PROGRAMS BUDGET BRIEF MARCH 2014 On January 22, the Governor released his budget proposal for the upcoming fiscal year (FY) 2015,
Health Care Expansion and Reform in Pennsylvania: What Is Driving It, What Are the Proposals, and What Can Be Learned from Other State Initiatives? This document presents a summary of Health Care Expansion
4/8/05 Tax Credits + Medicaid An Integrated Approach to Health Insurance Coverage by Lynn Etheredge President Bush has recently proposed a major initiative for expanding health insurance coverage. It would
Affordable Care Act 101: What The Health Care Law Means for Small Businesses December 2013 These materials are provided for informational purposes only and are not intended as legal or tax advice. Readers
CHAPTER 7 (Senate Bill 6) AN ACT concerning Working Families and Small Business Health Coverage Act FOR the purpose of establishing a Small Employer Health Insurance Benefit Plan Premium Subsidy Program;
A Guide for Implementing a Community-based Pharmaceutical Assistance Program Supporting healthier living for older adults through user-friendly access to appropriate medications, health education, community
2015 Medicare Low-Income Subsidy (LIS), or Extra Help Extra Help with Prescription Drug Costs Medicare LIS Overview Patient Eligibility and Application Process How LIS Affects Patient Responsibility for
Health Reform and the AAP: What the New Law Means for Children and Pediatricians Throughout the health reform process, the American Academy of Pediatrics has focused on three fundamental priorities for
ANA ISSUE BRIEF Information and analysis on topics affecting nurses, the profession and health care. Health System Reform: Nursing s Goal of High Quality, Affordable Care for All Key Points Nursing has
Choosing the Best Plan for You: A Tool for Purchasing Coverage in the Health Insurance Exchange The Affordable Care Act (ACA) makes health insurance available to nearly all Americans and the law requires
Family-to-Family Health Information Centers (F2F HICs) Function as Patient Navigators as Described in the ACA Patient Navigators, per ACA sec. 1311(i) F2F HICs, per grant guidance F2F HICs, in practice
A summit on integrating employment and housing strategies to prevent and end homelessness Community Profile CHICAGO Chicago is working on our second Plan to End Homelessness Plan 2.0 A Home for Everyone.
IN THIS FACT SHEET: PENNSYLVANIA MEDICAID, SCHIP, AND STATE-FUNDED HEALTH PROGRAMS AUGUST 2008 An Overview of Pennsylvania s Publicly Funded Insurance Programs This summary is intended to assist professionals
Improved Medicare for All Quality, Guaranteed National Health Insurance by HEALTHCARE-NOW! Single-Payer Healthcare or Improved Medicare for All! The United States is the only country in the developed world
Title: Grants and Funding Opportunities under the Affordable Care Act Summary of Several Sections State Options Overview: This document provides background information on grants and other funding opportunities
HEALTH REFORM and VACCINES: Review of Federal Legislation The Patient Protection and Affordable Care Act (PPACA) And The Health Care and Education Reconciliation Act Alexandra Stewart June 2, 2012 1 Presentation
TheMyersGroup.net Consumer Awareness of the Health Insurance Marketplace 2014 The Myers Group conducted two consecutive year (2013 and 2014) polling studies to measure and compare consumer awareness of
FIRM Team Fact Sheet 13-03 Available at http://firm.msue.msu.edu David B. Schweikhardt Adam J. Kantrovich Brenda R. Long Michigan State University Extension October 2013 The Patient Protection and Affordable
on on medicaid and and the the uninsured March 2013 THE MEDICAID PROGRAM AT A GLANCE Medicaid, the nation s main public health insurance program for low-income people, covers over 62 million Americans,
The Affordable Care Act: A Working Guide for MCH Professionals Module 2 GLOSSARY OF KEY HEALTH INSURANCE CONCEPTS Overview A fundamental first step in accessing health care in the United States is having
I S S U E kaiser commission on medicaid and the uninsured June 2011 P A P E R Health Coverage for the Unemployed By Karyn Schwartz and Sonya Streeter In May 2011, 13.9 million people in the U.S. were unemployed,
Data Bulletin Findings from the Medical Expenditure Panel Survey Insurance Component Employer Sponsored Health Insurance Coverage in Ohio, 2000 By Dave Dorsky Center for Public Health Data and Statistics
Dual Eligibility in Pennsylvania: What Happens When I Am Newly Eligible for Medicare and Medicaid? Each month through our Helpline, PHLP talks to individuals (or to their family members, advocates or providers)
Basic Health Plan Offers a Chance to Provide Comprehensive Health Care Coverage for Low-Income Minnesotans The number of uninsured in Minnesota has been on the rise over the last decade, with one out of
Preliminary Health Insurance Landscape Analysis Prior to addressing some of the issues listed under Section 3.1 3.5 of the HRSA State Planning Grant report template, here is some of the information available
Affordable Care Act: New Medicaid Eligibility Groups Introduction The Affordable Care Act included a number of significant changes to Medicaid services and eligibility. One major change involved the creation
CUT THE COST OF HEALTH INSURANCE FINANCIAL HELP AND NO-COST COVERAGE ARE ON THE WAY FOR MORE OREGONIANS CoverOregon.com 1-855-CoverOR (1-855-268-3767) HAVING HEALTH INSURANCE PROTECTS YOU AND YOUR FAMILY
Health Care Law Implementation: What Nonprofits Need to Know WELCOME! Health Care Law Implementation: What Nonprofits Need to Know (PPACA) Health Care Law Implementation: What Nonprofits Need to Know Heather
BadgerCare Plus: Medicaid and Subsidies Under One Umbrella by K atharine E. Witg e rt I S S U E B R I E F Introduction Many proposals for federal health reform include two key elements: a Medicaid expansion
IN THIS FACT SHEET: WASHINGTON MEDICAID, SCHIP, AND ADULT HEALTH PROGRAMS AUGUST 2008 An Overview of Washington s Publicly Funded Health Insurance Programs This summary is intended to assist professionals
A PREVIEW OF MONTANA S HEALTH INSURANCE MARKETPLACE by Gregg Davis and Christina Goe One of the more visible changes soon to be brought to the forefront by passage of the Affordable Care Act (ACA) is the
HEALTH POLICY AFFORDABLE CARE ACT AND STATE MEDICAID CHANGES NEW Members Conference of the Illinois General Assembly November 27-28, 2012 Robert Kaestner, PhD Institute of Government and Public Affairs,
Questions and Answers New Brunswick Drug Plan December 10, 2013 1) What is the New Brunswick Drug Plan? The New Brunswick Drug Plan is a prescription drug insurance plan that provides drug coverage for
Health insurance options for people with disabilities Brought to you by: Washington State Office of the Insurance Commissioner Table of Contents Introduction Consumers with disabilities who are NOT eligible
Case Study January A National Initiative of The Robert Wood Johnson Foundation 2001 Wisconsin s BadgerCare Program Offers Innovative Approach for Family Coverage by Jeremy Alberga Executive Summary Wisconsin
Prepared by Table of Contents EXECUTIVE SUMMARY...1 ABOUT THIS STUDY...1 SUMMARY OF FINDINGS...1 OVERVIEW OF THE REPORT...3 BACKGROUND INFORMATION...5 THE DILEMMA OF UNINSURABLE INDIVIDUALS...5 CURRENT
The Affordable Care Act: What Does it Mean for Individuals and Families? FIRM Team Fact Sheet 13-04 Available at http://www.firm.msue.msu.edu David B. Schweikhardt Adam J. Kantrovich Brenda R. Long Michigan
March 2014 110 Stockton Street Charleston, WV 25387 (304) 558-0416 www.ddc.wv.gov The Affordable Care Act and People with Developmental Disabilities The Patient Protection and Affordable Care Act (ACA)
Alaska Employer Health-Care Benefits: A Survey of Alaska Employers By Mouhcine Guettabi Rosyland Frazier Gunnar Knapp Institute of Social and Economic Research University of Alaska Anchorage 3211 Providence
Help Paying for Your Medicare Costs A quick guide to assistance programs for people with Medicare This booklet was last revised June 2013. For updates, please call Community Health Advocates at 1-888-614-5400.
North Carolina State Health Plan How ACA is Changing Employer Health Benefits and the Marketplace Presented by: J. Richard Johnson Senior Vice President, Public Sector Health Practice Leader firstname.lastname@example.org
Evaluations Nursing Contact Hours, CME and CHES credits are available. Please visit www.phlive.org to fill out your evaluation and complete the post-test. 1 Conflict of Interest & Disclosure Statements
The Health Insurance Marketplace A CONSUMER S INTRODUCTION BY DAVID STEWART HYNDMAN/BEDFORD HEALTH CENTERS PRESENTED BY MICHELLE BAKER FULTON COUNTY MEDICAL CENTER What is it? What did it do? THE AFFORDABLE
Presentation to Joint Committee for Senate State Affairs and Health and Human Services Executive Commissioner Thomas M. Suehs November 23, 2010 Update Since Last Hearing Guidance from the federal government:
The Affordable Care Act and the Health Insurance Marketplace Are You Ready? The Affordable Care Act is here! In March 2010, President Obama signed into law the Affordable Care Act (ACA), putting comprehensive
State of Arkansas Department of Insurance Consideration of the Basic Health Plan in Arkansas May 31, 2012 Purpose The Arkansas Insurance Department requested that PCG develop a report describing the potential
Obama Administration Record on Health Care Today, two years after we passed health care reform, more young adults have insurance, more seniors are saving money on their prescription drugs, and more Americans
Forum Brief 2004 Kansas Health Policy Forums The Medicare Reform Act: What Are the Consequences for Kansas? Thursday, March 18, 2004 Noon 2:30 Lunch provided 212 SW Eighth Avenue, Topeka, KS Lower Level
75 Washington Ave. Suite 206 Portland, ME 04101 (207) 767-6440 www.marketdecisions.com Comprehensive Report 2014 Vermont Household Health Insurance Survey Vermont Department of Regulation, Insurance Division
Affordable Care Act 101: What The Health Care Law Means for Small Businesses December 2013 These materials are provided for informational purposes only and are not intended as legal or tax advice. Readers
A Report on the Uninsured and Underinsured in South Carolina August 2009 Executive Summary A Report on the Uninsured and Underinsured in South Carolina August 2009 The lack of health insurance coverage
Draft Health Reform Plan Roadmap 1. Goals for June 20 th KHPA Board Meeting Review demographics of Kansas uninsured Review of 2005 Mercer health insurance study (in reference section) Determine overarching
Health Policy Essentials: Private Health Insurance Bernadette Fernandez, Annie Mach, & Namrata Uberoi February 13, 2015 Briefing Agenda What is the purpose of private health insurance (PHI)? How is PHI
And Changes under Healthcare Reform affecting businesses 1 Individual Mandate 2 First there were two choices Under the Affordable Care Act every individual must have Minimum Essential Healthcare Coverage
Judge David L. BAZELON CENTER for Mental Health Law How Will Health Reform Help People with Mental Illnesses? An analysis of the Affordable Care Act passed by Congress in 2010 and how it will affect people
A Healthy Florida Works Program Policy Proposal The smart choice for individuals and businesses in Florida TABLE OF CONTENTS Introduction Executive Summary Program Description 3 5 6 Coverage Population
Health insurance options for people with disabilities Table of Contents Introduction 1 Consumers with disabilities who are NOT eligible for Medicare 3 Buying health insurance 3 Disability-related programs
The governmental public health system in the United States is comprised of federal agencies, state health agencies, tribal and territorial health departments, and more than 2,500 local health departments.
Affordable Care Act 101: What The Health Care Law Means for Small Businesses February 2013 These materials are provided for informational purposes only and are not intended as legal or tax advice. Readers
Office of Consumer Information and Insurance Oversight State Planning and Establishment Grants for the Affordable Care Act s Exchanges Reporting Templates Quarterly Project Reports Date: 11-31-11 State:
Anticipating the Health Insurance Marketplace in Texas HFMA Lone Star Chapter Fall Institute September 16, 2013 1 About Community Health Choice Non-profit Health Maintenance Organization licensed by the
Promising Elements of the Massachusetts Approach: A Health Insurance Pool, Individual Mandates, and Federal Tax Subsidies by President Institute for Health Policy Solutions Massachusetts has garnered national
Implementation Timeline Reflecting the Affordable Care Act 2010 Access to Insurance for Uninsured Americans with a Pre-Existing Condition. Provides uninsured Americans with pre-existing conditions access