The Affordable Care Act Impact to those with Chronic conditions in Washington State

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1 The Affordable Care Act Impact to those with Chronic conditions in Washington State

2 Four Buckets of the ACA Coverage Continuum Classic Medicaid For Current Medicaid Recipients Medicaid Expansion 0% - 138% FPL regardless of health status Dual Eligible Medicaid & Medicare / Poor, sick, disabled, aging Washington Healthplanfinder More than 138% FPL; Premium subsidies for 138% - 400% FPL

3 Part I: Four Buckets - WA State Classic Medicaid sometimes called Healthy Options. HIV includes 2,500 people disabled and poor statewide. Current Medicaid Expansion - 500,000 to become eligible and 250,000 of the 500,000 anticipated to enroll January 1, 2014 Duals Medicare & Medicaid eligible 115,000 Rolling out by region between July 1, 2103 and July 1, Health Benefits Exchange - persons more than 138% FPL enroll through Healthplanfinder starting October 1, January 1, 2014

4 Part I: Four Buckets - WA State Classic Medicaid sometimes Classic Medicaid called Healthy Options. sometimes HIV called includes Healthy 2,500 people Options. disabled HIV includes and poor 2,500 statewide. people disabled and poor statewide. Current Medicaid Expansion - 500,000 to become eligible and 250,000 of the 500,000 anticipated to enroll January 1, 2014 Duals Medicare & Medicaid eligible 115,000 Rolling out by region between July 1, 2103 and July 1, Health Benefits Exchange - persons more than 138% FPL enroll through Healthplanfinder starting October 1, January 1, 2014

5 Classic Medicaid Poor and disabled adults Medicaid Now: Adults below 75% of Federal Poverty Level (FPL) who are also disabled. The largest current Medicaid program is also known as Healthy Options.

6 Existing Medicaid cont... Persons currently covered by Medicaid: Although it s an option, Fee for Service is not a good route for people with chronic conditions! Enriched services offered through Healthy Options Managed Care route.

7 Classic Medicaid cont... MCO - Managed Care Organization - there are five authorized in Washington State with most counties covered by all five. Persons (members) will be auto-enrolled by the state. Members can move from one to another throughout the year. The five Managed Care Organizations: Molina United Healthcare Community Plan Coordinated Care (Centene) Community Health Plan WA Amerigroup

8 Washington State Health Home Model

9 Washington State Health Home Model

10 Part I: Four Buckets - WA State Classic Medicaid sometimes called Healthy Options. HIV includes 2,500 people disabled and poor statewide. Current Medicaid Medicaid Expansion Expansion , ,000 to to become become eligible eligible and and 250, ,000 of of the the 500, ,000 anticipated anticipated to to enroll enroll January January 1, 1, Duals Medicare & Medicaid eligible 115,000 Rolling out by region between July 1, 2103 and July 1, Health Benefits Exchange - persons more than 138% FPL enroll through Healthplanfinder starting October 1, January 1, 2014

11 What is Medicaid Expansion? Medicaid Expansion - Washington residents who earn up to 138% of FPL; diagnoses or pre-existing conditions will not affect eligibility.

12 Part I: Four Buckets - WA State Classic Medicaid sometimes called Healthy Options. HIV includes 2,500 people disabled and poor statewide. Current Medicaid Expansion - 500,000 to become eligible and 250,000 of the 500,000 anticipated to enroll January 1, 2014 Duals Medicare & Medicaid eligible 115,000 Rolling out by region between July 1, 2103 and July 1, Rolling out by region between July 1, 2103 and July 1, Health Benefits Exchange - persons more than 138% FPL enroll through Healthplanfinder starting October 1, January 1, 2014

13 Dually Eligible Definition Duals - Persons who qualify for Medicaid (poor) AND Medicare (sick/disabled) and/or are or over age 62. HealthPath Washington is a program for dually eligibles that will allow people with chronic disease receive high touch care coordination. HealthPath is rolling out by region across the state between July 1, 2013 and July 1, 2014.

14 Part I: Four Buckets - WA State Classic Medicaid sometimes called Healthy Options. HIV includes 2,500 people disabled and poor statewide. Current Medicaid Expansion - 500,000 to become eligible and 250,000 of the 500,000 anticipated to enroll January 1, 2014 Duals Medicare & Medicaid eligible 115,000 Rolling out by region between July 1, 2103 and July 1, Health Benefits Exchange - persons Health Benefits more than Exchange 138% FPL - persons enroll through more than 138% Healthplanfinder FPL enroll through starting October Healthplanfinder 1, starting October 1, January 1, 2014 January 1, 2014

15 Insurance Exchange Definition The Exchange works like this: Eligibility: Income of 139% FPL or more (Premium support if between 139% - 400% FPL) No other coverage Enrollment: Through Healthplanfinder starting October Here in Washington, most people living with HIV will be able to also have co-pay assistance for premiums, office visits, and pharmacy coverage from the Early Intervention Program (EIP).

16 Insurance Exchange Definition cont... What you need to do: If you have Medicaid now You will remain on Medicaid and will be sent information, and you will be able to have assistance through your doctor's office, clinic, or case manage. If you have EHIP now You will be on Medicaid, or keep your employer-sponsored coverage, or obtain new coverage through the Healthplanfinder for private insurance.

17 What does all this mean to me? It depends on how you are covered today. The next slides will address each of the following: Through my employer, I'm on a group plan. Through my spouse/family and their coverage is an employer group plan - and/or other type of family coverage. Through EHIP - Evergreen Health Insurance Program. Through Medicaid (Healthy Options) and I've been on it for awhile. Through Medicaid & Medicare - I'm a dually eligible person. Medicare VA Veterans Affairs COBRA I'm not currently seeing a doctor/not on medication, and I have no coverage. My coverage is currently something else... Tribal Undocumented resident/immigration status I buy my own insurance

18 My coverage is through my employer, I am on a group plan through work and am still employed. Your employer will continue to provide your insurance. No active changes are needed. Please Note: What is covered could change (improve/reduce). Employers with less than 50 employees may also change.

19 My coverage is through my spouse/family and their coverage is an employer group plan, or some other type of ongoing coverage. The Affordable Care Act will either improve or not change for these groups Please note: Family definition now includes legally married samesex couples My spouse/family coverage is through: Veterans - coverage through VA Federal Employee - coverage through government On Medicare - will stay on Medicare

20 Definition of EIP / EHIP / ADAP Early Intervention Program (EIP) - There are just over 4,000 persons with HIV whose income qualifies them to receive EIP services. These services include co-pays to ensure access to care and treatment for HIV.

21 Definition of EIP / EHIP / ADAP cont... Evergreen Health Insurance Program (EHIP) - Of those in EIP, approximately 2,400 persons receive financial assistance by having their insurance paid by EHIP. This includes those who receive coverage through WSHIP (Washington State High Risk Insurance Pool) program, work or COBRA, Medicare drug plans, and private plans. If you receive insurance assistance through EHIP, you have EIP service options.

22 Definition of EIP / EHIP / ADAP cont... AIDS Drug Assistance Program (ADAP) - This is the name of the fund that pays for EIP services. The money comes through the Ryan White Act Part B program. At present, Congress funds this program at $1 billion. With the next appropriations, the dollar amount will dramatically decrease. This is because medications will be covered through various plans in the Affordable Care Act.

23 EHIP assists with my coverage Evergreen Health Insurance Program If you earn more than 138% of the FPL and do not have access to coverage through work, family, or Medicare, you will get coverage through the Healthplanfinder. EHIP will help you select a plan between October 2013 and January 2014 and will help you pay the premium. Co-pays (deductibles, office visits, prescription co-pays) will be required but some may be covered by EIP. If you earn 138% or less than of the FPL as a single person you will be in the Medicaid Expansion plans. Medicaid 138% & below FPL Healthplanfinder 139% or more FPL premium subsidy if 139%-400% FPL Co-pays covered by EIP Please Note: Your current physician may, or may not continue to see you with your new insurance coverage. You are encouraged to talk with your providers or case manager to inquire and plan for any potential changes.

24 My coverage is through Medicaid (Healthy Options) and I've been covered for awhile There are limited changes as to how your coverage will continue. It is very likely that your current provider will remain your current provider. There is not expected to be an increase in co-pays for medication, office visits. You will be assigned to a Care Coordinator.

25 My coverage is through Medicaid/Medicare - I am dually eligible There are a limited number of persons who fit this category. There will be new insurance carrier options. Your insurance may change or may stay the same. Your provider may or may not change, depending on the plan Please contact your case manager for details.

26 My Coverage is through Medicare Only The Part D Doughnut Hole (prescriptions/medicine) will slowly close over several years. EIP will continue to pay co-pays as long as funds are available. Benefit packages will likely improve and co-pays for labs, doctor visits, and services will reduce over several years. EIP will continue to pay co-pays on services as long as funds are available. EHIP can pay your Medicare Prescription Drug Plan premium.

27 My Coverage is through the Veteran's Affairs (VA) or coverage through Department of Defense Coverage remains the same as it is now. Includes active duty, reserves, and any other non VA Defense Department areas of health coverage.

28 COBRA My coverage is through my previous employer where I am no longer employed and am I receiving coverage in the 18-month separation window. You may switch to a private plan through the Healthplanfinder. This may cost you less because of the premium subsidies. You may keep this coverage until it ends.

29 I'm not currently seeing a doctor and I have no coverage OR Nothing else applies to me Please contact: Your case manager if you have one. The Evergreen Health Insurance Program at , or An HIV physician or practice to gain entry into care. Other leads...? What I need to do: Talk with your provider In-person Assister Portal:

30 Tribal healthcare benefits Please contact your provider and/or Indian Health Services for further assistance.

31 Immigrant Populations Naturalized citizens are eligible for all ACA changes Legal immigrants in the US less than 5 years (5 year bar): Are not eligible for Medicaid Expansion Can purchase coverage and receive premium subsidies (down to 0% FPL) in the Healthplanfinder Immigrants who are not lawfully present in the US are not eligible for Medicaid Expansion, coverage or premium subsidies from the Healthplanfinder, or Medicare Private insurance plans offered outside the Healthplanfinder do not check for citizenship but may be expensive WSHIP closed to new enrollment EHIP can pay premiums

32 I Buy My Own Insurance You may continue to purchase insurance privately but qualify for a subsidy if income falls <400% FPL. If your income is up to 300% FPL, you may be eligible for EHIP to pay your premiums.

33 Questions & Discussion For More Information:

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