It s the month for shamrocks and a glimpse of spring. We continue to stay busy as you ll see in this latest news from VIM.
|
|
- Derrick McDonald
- 8 years ago
- Views:
Transcription
1 THE VIM BULLETIN News from the Clinic MARCH, 2014 It s the month for shamrocks and a glimpse of spring. We continue to stay busy as you ll see in this latest news from VIM. UPDATE ON ACA ENROLLMENT PROGRESS AT VIM 1. Community Partner Portal Access In late February, the Cover Oregon Community Partners (like VIM) began to have access to the website portal that allows us to enroll patients completely online. No more paper applications. No more fillable PDFs. No more faxing. This is the function we anticipated using last October 1, so progress has been made! We are now able to receive a real-time determination of what insurance a patient is eligible for when we finish their application. Patients no longer have the 6-week wait time. In most cases, they can walk out of their enrollment appointment at VIM knowing on the spot that they qualify for Medicaid/Oregon Health Plan, or an insurance plan that they will need to pay for. Receiving this information immediately has decreased frustration for patients and volunteers, increased application accuracy, and made the whole process much more efficient. Access to this portal is only available to Community Partners and certified health insurance agents at this time, not to the general public, so we ve been taking advantage of it as much as possible. 2. Offering Cover Oregon Enrollment Assistance to the Community Since October, the first priority of many Front Desk volunteers has been to enroll VIM patients into Cover Oregon programs. Now that the bulk of this has been accomplished, we are opening our Cover Oregon enrollment assistance program to anyone in the community who needs help. Our volunteers have a tremendous amount of experience, and want to continue to use their skills to get the Affordable Care Act off the ground. If you know someone who still has not signed up for Cover Oregon, please have them call VIM for assistance. Enrollment appointments can be made by calling (541) Cover Oregon Enrollment Update Here s what we know about VIM patients as of March 11 th : 860 Cover Oregon applications have been submitted Glossary of Terms ACA: Affordable Care Act OHP: Oregon Health Plan the state s Medicaid program Cover Oregon: the health insurance marketplace for the state of Oregon QHP: Qualified Health Plan an insurance plan that meets certain guidelines and can be purchased through Cover Oregon
2 548 patients have been enrolled into the Oregon Health Plan (Medicaid) 117 patients have been enrolled into paid insurance plans with tax credits and subsidies 195 patients are either awaiting their eligibility determination, or we are unsure of their status because we haven t heard back from them after leaving phone message(s) 4 patients have applied for Hardship Exemptions through the Federal process; none have received a reply OPEN ENROLLMENT ENDS MARCH 31 FOR ALL PAID INSURANCE PLANS 4. I keep hearing about a deadline on March 31 st. What is it? March 31 st is the last day to sign up for paid insurance plans either through Cover Oregon or through a private insurance carrier. The March 31 st deadline doesn t mean people have until the 31 st to start the enrollment process for health insurance. It means that they have until March 31 st to have the application completed. 5. What about Medicaid/Oregon Health Plan? Is March 31 st the deadline for that, too? No. Medicaid/Oregon Health Plan (OHP) has open enrollment, meaning a person can sign up for OHP at any point during the year. 6. What if I choose to remain uninsured? Unless you have qualified for a Federal Hardship Exemption, or are in one of the few categories of people who are not required to comply with the Affordable Care Act, you will face a penalty for not having insurance. 7. How much is the penalty? The penalty is based on the family income that is reported on the tax return. It is calculated in one of two ways, and you will pay whichever amount is more. Penalties for this first year will be: $95 for every adult and $47.50 for every child in the family who does not have health coverage (up to a maximum of $285) -or- 1% of taxable income in 2014 (up to a maximum of $3,600 for an individual, or $11,000 for a family of 4). Calculating the tax penalty can be complicated. For example, a family of four making $50,000 in 2014 will pay a penalty of approximately $370. A single person making the same amount in income may also have a penalty of $370. A family of four making $90,000, will have an estimated penalty of about $770, and so may a single person. To help people understand these penalties, the Tax Policy Center has created a calculator to estimate the penalty amount. The link is posted on our website at: 2
3 It is also important to note that just one uninsured person in the family can trigger a penalty. If that person is claimed as a dependent on your tax return, and they are uninsured as of March 31 st, then you will have to pay the penalty for that individual. Penalties will be collected when you file your 2014 income taxes. QUALIFIED HEALTH PLANS (QHP) PAID PLANS WITH BENEFITS 8. What is a Qualified Health Plan (QHP)? As we ve mentioned, to avoid a penalty, you must have an insurance plan in place by March 31 st. One type of insurance plan is called a Qualified Health Plan (QHP). In the simplest definition, a QHP is a paid insurance plan that is available only through Cover Oregon. If a person or family applies to Cover Oregon and makes too much money for Medicaid/Oregon Health Plan, they are generally offered the opportunity to purchase a QHP. 9. What s so special about a QHP? QHPs provide tax subsidies and cost sharing benefits to those with incomes between % of the Federal Poverty Line. This is about $15,850 - $45,960 in income for a single person, and $32,500 - $93,000 for a family of four. The goal is to make these plans as reasonable as possible for the largest amount of people. The tax subsidies and cost-sharing benefits in a QHP are generally factored into the cost of the plans. The cost sharing benefits can include deductibles, copayments and/or out-of-pocket maximum amounts. 10. How does one apply for a QHP? The process starts with a Cover Oregon application. If the person is eligible for an insurance program through the Affordable Care Act, and they are not eligible for Medicaid/Oregon Health Plan, they will be presented with several choices for QHPs that fit their income level. Once the person receives the QHP information, they can choose a plan immediately on their own. Or, they can talk with a Cover Oregon certified insurance broker to help them fully understand the different options, and the pricing structure of each. We recommend that everyone who is eligible for a QHP talk with an insurance broker. The service is free. We have a list of local brokers that have agreed to help VIM patients with this choice at the Front Desk. 11. Are QHPs a form of Cover Oregon insurance? No. Cover Oregon is just a one-stop-shop for all of the QHPs. This makes it easier for people to compare and choose a plan. In Deschutes County, the companies providing the QHP plans include PacificSource Health Plans, Moda Health, LifeWise Health Plan of Oregon, Health Republic Insurance, BridgeSpan Health, Oregon s Health CO-OP, Providence Health Plan, and Trillium. 3
4 QUALIFYING LIFE EVENTS THE ONLY ENROLLMENT EXCEPTION AFTER MARCH 31ST 12. What is a qualifying life event? After March 31 st, the only way a person can enroll in a paid insurance plan in 2014 is to experience a qualifying life event. A qualifying life event is a change in circumstance that includes marriage, childbirth, adoption, legal separation, divorce, moving to an area that offers different health plan options, loss of employment, etc. 13. What if someone enrolls in a QHP, can t pay their bill, then later wants to re-enroll. Is that considered a qualifying life event? No. It is important to know that voluntarily quitting your insurance, or being terminated for not paying your premiums, are not qualifying life events. Neither is being diagnosed with a serious illness while uninsured. If any of these situations happen while you are uninsured, you will remain uninsured until the next open enrollment period in the fall. This is why it is essential that when anyone signs up for a QHP, they choose a plan carefully, and choose one that they can afford. An article in The New York Times dated February 13 th, 2014, stated that 20% of the people who signed up for QHPs, missed paying their first premium in January. Insurance companies will allow a 90-day grace period before cancelling coverage. We will be watching this closely, knowing that people who lose their insurance may need VIM s help. 14. When is the next enrollment period for QHPs? Right now it is scheduled for November 15, 2014 January 15, IN THE CLINIC 15. Deadlines and transitions. We are continuing to assist VIM patients, and others, with their Cover Oregon applications and questions. At the same time we are caring for patients. Our patient census remains low, but this is what we expected during this transition. A report dated March 7, 2014 said that over 10,000 Cover Oregon insurance applications are still in process. It also stated that approximately 50,000 Oregonians who completed an initial Cover Oregon application have not picked an insurance program. As mentioned above, those who do not choose an insurance plan by March 31 st will be uninsured for the remainder of We do not know how many of these individuals live in Central Oregon. 4
5 VIM S DENTAL CARE EXPANSION PILOT PROGRAM 16. What is the Dental Care Expansion Pilot Program? As we look deeper into the community s healthcare needs, we know that dental care is of high priority. Although basic dental care is covered by Medicaid/OHP, most paid medical insurance plans do not cover dental. Medicare doesn t either, unless it is purchased separately through an Advantage plan by those over age 65. VIM has a very successful partnership with the Dental Assisting Program at Central Oregon Community College (COCC). Through this, hundreds of VIM patients have received basic dental care that has included x-rays, fillings, extractions, and some cleanings. Care is provided by volunteer licensed dentists and dental hygienists in COCC s state-of-the-art dental facility. At the same time, dental assisting students earn practicum time toward their degrees. On March 14th, we began a pilot program for 50 patients that will run through COCC s spring term, ending in early June. We are calling this a pilot because we are trying something new. Where all of VIM patients have access to our dental care program now, we are going to test branching out to another population that previously hasn t qualified for services at VIM. Our goal with the pilot is to provide needed services, while also getting some measurement of the demand for these services in the community. 17. Who can participate in the Dental Pilot? Instead of just working with the un-insured, the Dental Pilot will work with 50 patients who are under-insured. Medical insurance, but no dental insurance. The patients in VIM s Dental Pilot may have medical insurance. But, they must not have dental insurance. Increased income levels. Currently to qualify at VIM, a patient s income must be less than 200% of the Federal Poverty Level (FPL) or about $23,340 for a single person. In this pilot we will increase the income cap to 300%, which is $35,010 for a single person, or up to $47,190 for a couple. Expanded age requirements. Our current age limits are For this pilot, there will be no age limit other than a minimum age of 18. This will open access to people age 65 or older who are on a Medicare plan that does not have dental benefits. Same residency requirements. Patients must still live or work in Deschutes, Jefferson or Crook counties. 18. Will the Dental Pilot patients also be eligible for medical care at VIM? Regular VIM medical care services will only be available to people who meet our original eligibility requirements, not the expanded requirements for the 50 patients in the Dental Pilot. We ll have a full report on the pilot in July, and will share our findings then. 5
6 COVER OREGON ACCOUNTABILITY 19. Cover Oregon Accountability There has been quite a bit of media attention on the Cover Oregon malfunctions. If you ve been following the news you know there is a lot of confusion on what happened, and why. This is especially true because of the amount of taxpayer dollars that were put forth for this website effort that still hasn t fulfilled its original promises. We received a press release on March 3rd, announcing an agreement between Cover Oregon and Oracle, the primary vendor for the website. The goal was to outline an orderly transition of technology development services, and protect current and future Cover Oregon enrollees. In brief, Cover Oregon is withholding $25.6 million of the $69.5 million that Oracle has claimed for technology development work from November 2013 February Oracle has agreed to continue to provide transition services, maintenance and repairs to the technology infrastructure, under the direction of Cover Oregon. The press release goes on to say that Cover Oregon will convene a group that includes private sector technology experts to advise on the best options to move forward with the next phase of the website. In addition, the U.S. Government Accountability Office (GAO), has agreed to request an audit on how $304 million in federal grants were spent on the Cover Oregon website. Oregon is not the only state being looked at by this investigative arm of Congress. The GAO is looking into problems with state healthcare exchange websites across the country. We will update you as we hear more. Many of you have shared the bulletins that we ve created about VIM s implementation of the Affordable Care Act (ACA) with friends and family. Thank you! We really appreciate your desire to help us clear up the confusion around the ACA. All of the documents you ve received in the last three months can be found on our website at Yes, please share! Also, we have openings for new patients. If you know of anyone who can use our help for medical or dental concerns, please have them call the Front Desk at (541) We ll have another update in April. Any questions before then, please give us a call. And thank you for your continued support. We re feeling the love! Volunteers in Medicine Clinic of the Cascades (VIM) 2300 NE Neff Road Bend, OR phone (541) fax (541)
AFFORDABLE CARE ACT FAQ
AFFORDABLE CARE ACT FAQ What is the Healthcare Insurance Marketplace? The Marketplace is a new way to find quality health coverage. It can help if you don t have coverage now or if you have it but want
More informationEMPLOYEE S GUIDE TO HEALTH CARE REFORM S TAX CREDITS
The EMPLOYEE S GUIDE TO HEALTH CARE REFORM S TAX CREDITS Calculate Your Health Insurance Tax Credit 2 Introduction Beginning in 2014, massive tax credits will become available to help individuals buy health
More informationMODULE 16: MEDICARE AND THE HEALTH INSURANCE MARKETPLACES
MODULE 16: MEDICARE AND THE HEALTH INSURANCE MARKETPLACES Objective This module will educate HIICAP counselors about how Medicare is affected (and not affected) by the health insurance Marketplaces. What
More informationPatient Protection and Affordable Care Act (ACA) ACA Guide for Group Employers Agent and Broker Information
Patient Protection and Affordable Care Act (ACA) ACA Guide for Group Employers Agent and Broker Information DISCLAIMER 2 This information is being provided in an effort to alert you to changes required
More informationHealth insurance coverage for individuals and families
Health insurance coverage for individuals and families Health care reform is here. If it seems like information is coming at you from all directions, it probably is. But just because it s a hot topic of
More informationState of Wisconsin / OFFICE OF THE COMMISSIONER OF INSURANCE
State of Wisconsin / OFFICE OF THE COMMISSIONER OF INSURANCE Scott Walker, Governor Theodore K. Nickel, Commissioner Wisconsin.gov 125 South Webster Street P.O. Box 7873 Madison, Wisconsin 53707-7873 Phone:
More information5Want to know more about the health
www. WHAT S INSIDE STEPS TO UNDERSTANDING OBAMACARE Introduction 4 Step 1 Does your current health insurance plan need to change? 6 Step 2 How will you pay for health insurance in 2014? 10 Step 3 What
More informationFederal and State Subsidies Questions
Federal and State Subsidies Questions 1. Qualified Health Plans (QHP) vs. Minimum Creditable Coverage (MCC) on all covered benefits. How do these two things relate? All QHPs offered through the Health
More informationWE RE HERE TO HELP YOU TRANSITION TO THE NEW HEALTH BENEFIT EXCHANGE
HEALTH CARE REFORM: INFORMATION VERMONTERS NEED TO KNOW The Federal Affordable Care Act means new health insurance products, new rules and new systems for purchasing plans beginning in 2013. Blue Cross
More informationBut in general, for patients on Medicare the exchanges are not going to be helpful for them.
Eligibility Q&A: Q: What if someone is eligible for HUSKY but wants to choose a health plan through the exchanges, can they get subsidies? A: Unfortunately, no. If someone is eligible for public insurance
More informationHealth Insurance Marketplace 101. Find health care options that meet your needs and fit your budget.
Health Insurance Marketplace 101 Find health care options that meet your needs and fit your budget. March 2014 The Health Care Law In March 2010, President Obama signed the Affordable Care Act into law
More informationSimple answers to health reform s complex issues facing every employer, and what you can do now to protect your business and your future.
Simple answers to health reform s complex issues facing every employer, and what you can do now to protect your business and your future. If you have any questions, please contact: Health Reform: A Guide
More informationThe Instant Insurance Guide: Federal Health Care Reform
The Instant Insurance Guide: Federal Health Care Reform From Karen Weldin Stewart, CIR-ML Delaware Insurance Commissioner 1-800-282-8611 www.delawareinsurance.gov A Message From The Delaware Department
More informationNebraska Health Insurance Exchange Update
Nebraska Health Insurance Exchange Update Overview of the Affordable Care Act and the Federally Facilitated marketplace. September 2014 AFFORDABLE CARE ACT» The Affordable Care Act: Establishes a Health
More informationAs of January 1, 2014, most individuals must have some form of health coverage, or pay a penalty to the federal government.
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
More informationReporting Requirements for Employers and Health Plans
Brought to you by Cross Employee Benefits Reporting Requirements for Employers and Health Plans The Affordable Care Act (ACA) created a number of federal reporting requirements for employers and health
More informationExchanges and the ACA What You Need to Know for 2014
Exchanges and the ACA What You Need to Know for 2014 How the Affordable Care Act affects the Individual Health Insurance Market This presentation is for informational purposes only and does not constitute
More informationHealth insurance Marketplace. What to expect in 2014
Health insurance Marketplace What to expect in 2014 Overview The Affordable Care Act (ACA) includes several provisions geared to extend greater access to health insurance benefits to more people. Beginning
More informationThe Large Business Guide to Health Care Law
The Large Business Guide to Health Care Law How the new changes in health care law will affect you and your employees Table of contents Introduction 3 Part I: A general overview of the health care law
More informationGUIDE. Your. To Public Health Insurance Marketplaces. Find Coverage for You and Your Family
GUIDE Your To Public Health Insurance Marketplaces Find Coverage for You and Your Family We are Towers Watson s OneExchange We help you shop for a health plan. We hire and train licensed benefit advisors
More informationUnderstanding the ObamaCare Health Insurance Plans in North Carolina Understanding Insurance and Affordable Care Act Terminology: ACA- Marketplace
Understanding the ObamaCare Health Insurance Plans in North Carolina As a result of the Affordable Care Act (a.k.a. ObamaCare) the following provisions are now in place for health insurance policies with
More information2015 OEP: Insight into consumer behavior
2015 OEP: Insight into consumer behavior Center for U.S. Health System Reform March 11, 2015 OVERVIEW As the Affordable Care Act s (ACA s) second individual market open enrollment period (OEP) came to
More informationAffordable Care Act FAQ
Affordable Care Act FAQ Based on regulatory guidance issued as of March 2014 and subject to change. Contents General ACA Questions... 1 ACA Marketplace... 1 ACA Employer Shared Responsibility... 2 ACA
More informationFAQs on Special Enrollment Periods For the Individual Marketplace
FAQs on Special Enrollment Periods For the Individual Marketplace 1. Can I enroll in a health plan or change my health plan after February 15, 2015? Open enrollment for NY State of Health ended on February
More informationPatient Protection and Affordable Care Act (ACA) ACA Guide for Group Employers Employer Information
Patient Protection and Affordable Care Act (ACA) ACA Guide for Group Employers Employer Information DISCLAIMER 2 This information is being provided in an effort to alert you to changes required by the
More informationHealth Insurance Marketplace. vhealth insurance exchanges. What to expect in 2014. What to expect in 2014
vhealth insurance exchanges Health Insurance Marketplace What to expect in 2014 What to expect in 2014 The basics of exchanges As part of the Affordable Care Act (ACA or health care reform law), starting
More informationPresentation for Licensed Producers The Affordable Care Act
Presentation for Licensed Producers The Affordable Care Act Bruce Donaldson, CHC Producer & Stakeholder Specialist Arkansas Insurance Department Affordable Care Act The ACA was passed by Congress and signed
More informationCover Oregon.com 1-855-CoverOR
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
More informationHEALTH CARE REFORM: FREQUENTLY ASKED QUESTIONS (Group, Individual, Seasonal)
Group Health Insurance Q & A HEALTH CARE REFORM: FREQUENTLY ASKED QUESTIONS (Group, Individual, Seasonal) 1. Will small employers continue to have 12 month rates as they exist today? a. Yes. Employer groups
More informationShopping for a health care plan can be confusing. Let us help.
We re here to help Shopping for a health care plan can be confusing. Let us help. Thank you for trusting Anthem Blue Cross and Blue Shield for your health coverage. We re here to protect you from the high
More informationTHE KANSAS AFFORDABLE CARE ACT IMPLEMENTATION. Linda J. Sheppard November 6, 2014
THE KANSAS AFFORDABLE CARE ACT IMPLEMENTATION Linda J. Sheppard November 6, 2014 The Kansas Market Approximately 348,000 Kansans are uninsured - 12.3% of the state s population 44,130 are children, but
More informationNEW YORK STATE HEALTH INSURANCE EXCHANGE
NEW YORK STATE HEALTH INSURANCE EXCHANGE INFORMATIONAL GUIDE Vista Health Solutions www.nyhealthinsurer.com 1 Table of Contents What is the New York State Health Insurance Exchange?...3 Essential Benefits...3
More informationPremium Tax Credits: Answers to Frequently Asked Questions
Updated July 2013 Premium Tax Credits: Answers to Frequently Asked Questions Beginning in 2014, millions of Americans will become eligible for a new premium tax credit that will help them pay for health
More informationINDIVIDUAL HEALTH INSURANCE GUIDE. Introduction. What is the Health Insurance Marketplace?
INDIVIDUAL HEALTH INSURANCE GUIDE Introduction On November 15th, 2014, the second annual Open Enrollment Period for Individual Health Insurance begins. The Affordable Care Act (ACA) requires all US citizens
More informationIRS Proposes Rules for Federal Subsidy of Health Insurance Purchased in State Exchanges
IRS Proposes Rules for Federal Subsidy of Health Insurance Purchased in State Exchanges August 2011 The Internal Revenue Service (IRS) on August 12, 2011 issued proposed regulations relating to the federal
More informationSection 2: INDIVIDUALS WHO CURRENTLY HAVE
Section 2: INDIVIDUALS WHO CURRENTLY HAVE COVERAGE OR AN OFFER OF COVERAGE FROM THEIR EMPLOYER Section 2 covers enrollment issues for individuals who have coverage or an offer of coverage whether through
More informationAffordable Care Act: Impact on People with Disabilities
Affordable Care Act: Impact on People with Disabilities Stephanie Altman, Assistant Director of Healthcare Justice stephaniealtman@povertylaw.org October 2014 About Us: The Shriver Center The Sargent Shriver
More informationFrequently Asked Questions
Frequently Asked Questions RCUH Health Exchange Marketplace 1. What happens if your FTE drops to be ineligible for the RCUH s medical plan, what happens to me? If your FTE drops below 50% FTE, you will
More informationThis glossary provides simple and straightforward definitions of key terms that are part of the health reform law.
This glossary provides simple and straightforward definitions of key terms that are part of the health reform law. A Affordable Care Act Also known as the ACA. A law that creates new options for people
More informationThe Affordable Care Act and the Health Insurance Marketplace
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
More informationTranscript: The Patient s Perspective
Transcript: The Patient s Perspective Tom Donohoe, MBA Director, UCLA Pacific AIDS Education and Training Center The Affordable Care Act and Tuberculosis Control: Navigating New Territory A National Webinar
More informationHow To Understand Health Insurance In Minnesotanese
K-W-L Graphic Organizer K (Know) What do you know about Health Care Systems and Health Insurance? W (Want) What do you want to know about Health Care Systems and Health Insurance? L (Learned) What did
More informationFind health care options that meet your needs and fit your budget. ctober 2014
O Health Insurance Find health care options that meet your needs and fit your budget. ctober 2014 The Health Care Law In March 2010, President Obama signed the Affordable Care Act into law generally requiring
More informationGroup Health Plans. The New Health Insurance Alternative. Brought to you by Nefouse & Associates, Inc.
Group Health Plans The New Health Insurance Alternative Brought to you by Over the past 30 years, we at Nefouse & Associates have provided health insurance for individuals and groups both small and large.
More informationUnderstanding the Health Insurance Marketplace
Understanding the Health Insurance Marketplace GMR Symposium Brenda Delgado, MPH March, 2015 The Health Insurance Marketplace Part of the Affordable Care Act Where qualified individuals and families directly
More informationExchange 101. August 2013
Exchange 101 August 2013 455430 27517 Penalties for individuals 2017 and beyond: Annual adjustments 2016: Greater of $695 or 2.5% of taxable income 2015: Greater of $325 or 2% of taxable income 2014: Greater
More informationHow To Buy Health Insurance. An Introduction To Healthcare Coverage
How To Buy Health Insurance An Introduction To Healthcare Coverage Table of Contents What Is Health Insurance? How Do I Get Health Insurance? When Can I Get Health Insurance? What Terms Should I Know?
More informationTHE AFFORDABLE CARE ACT: THE AFFORDABLE COVERAGE OPTIONS AND CONSIDERATIONS IN 2014 THE NEW HEALTH INSURANCE: MARKETPLACE AND MEDICAID
THE AFFORDABLE CARE ACT: THE AFFORDABLE COVERAGE OPTIONS AND CONSIDERATIONS IN 2014 THE NEW HEALTH INSURANCE: MARKETPLACE AND MEDICAID Deloris Summers Deaf In-Person Counselor Navigator Jacksonville Area
More informationThe Health Insurance Marketplace
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
More informationTax Implications of the Affordable Care Act
Year-by-Year Guide Tax Implications of the Affordable Care Act 1 Year-by-Year Guide: Tax Implications of the Affordable Care Act Introduction The Patient Protection and Affordable Care Act, commonly referred
More informationFederal Health Reform FAQs
Federal Health Reform FAQs Individuals 1. What is an exchange? An exchange, as created under the Affordable Care Act (ACA), is a place where consumers can purchase subsidized health insurance coverage.
More informationGLOSSARY OF KEY HEALTH INSURANCE CONCEPTS
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
More information+ An Overview of the. Affordable Care Act. How Illinois Nurses can Educate and Guide Patients, Family, & Friends About Provisions of the Law
+ An Overview of the Affordable Care Act How Illinois Nurses can Educate and Guide Patients, Family, & Friends About Provisions of the Law An Overview of the ACA: How Illinois Nurses can Educate & Guide
More informationHEALTH CARE REFORM DOCUMENT FROM THE WEBSITE OF BLUE CROSS BLUE SHIELD OF NORTH DAKOTA
HEALTH CARE REFORM DOCUMENT FROM THE WEBSITE OF BLUE CROSS BLUE SHIELD OF NORTH DAKOTA Frequently Asked Questions I ve heard the federal government launched a new website called Healthcare.gov. How can
More informationWELCOME TO A NEW ERA IN HEALTH CARE COVERAGE FOR TENNESSEE.
WELCOME TO A NEW ERA IN HEALTH CARE COVERAGE FOR TENNESSEE. Quality Health Plans for Individuals and Families in Tennessee. TABLE OF CONTENTS INTRODUCTION...1 Who are we?... 1 What is a CO-OP?...1 Our
More informationCurrently, for the very low-income, Medicaid is available for children, parents, and individuals who are disabled, elderly, or pregnant.
0 Currently, for the very low-income, Medicaid is available for children, parents, and individuals who are disabled, elderly, or pregnant. Parents are typically covered at very low income levels, and most
More informationHEALTHCARE REFORM: WHAT YOU NEED TO KNOW
WHAT IS HEALTHCARE REFORM? Healthcare reform refers to the healthcare law passed in 2010 that significantly changed health policy in the United States. Healthcare reform includes numerous requirements
More informationAmerican Health Benefit Exchanges Fact Sheet A Provision of the Patient Protection and Affordable Care Act (PPACA)
American Health Benefit Exchanges Fact Sheet A Provision of the Patient Protection and Affordable Care Act (PPACA) This Fact Sheet reflects the Final Ruling published by the Department of Health and Human
More informationHow Health Reform Will Help Children with Mental Health Needs
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
More informationThe Health Insurance Marketplace 101. July 2013
The July 2013 The Problem Insurance companies could turn away the 129 million Americans with pre-existing conditions Premiums had more than doubled over the last decade, while insurance company profits
More informationCONTINUATION COVERAGE NOTIFICATION (COBRA)
CONTINUATION COVERAGE NOTIFICATION (COBRA) This notice has important information about your right to continue your health coverage in the Texas Employees Group Benefits Program (GBP), as well as other
More informationThe Health Insurance Marketplace. A Consumer Perspective. HFMA Tampa, May 19, 2015
The Health Insurance Marketplace A Consumer Perspective HFMA Tampa, May 19, 2015 The Role of Navigators Provide information on eligibility and how to use insurance Help to choose a plan Provide referrals
More informationHealth Insurance A GUIDE TO UNDERSTANDING, GETTING AND USING HEALTH INSURANCE. The. HL-14-001 Rev. 08/2015
A GUIDE TO UNDERSTANDING, GETTING AND USING HEALTH INSURANCE The of Health Insurance wahealthplanfinder.org 1-855-WAFINDER 1-855-923-4633 HL-14-001 Rev. 08/2015 THE ABC S OF HEALTH INSURANCE: WHY IS HEALTH
More informationIt s Time for Medicare
It s Time for Medicare med-waageinbook-1214 Medicare What you need to know. You re turning 65. Or you re already 65 and getting ready to retire and lose your healthcare coverage. You re almost ready for
More informationEnrollment in a similar plan
Automatic Plan Renewals If you bought a health plan through the Marketplace in 2014, you ll probably be automatically enrolled for 2015. If you don t take any action, your coverage will start January 1,
More informationNeed Health Insurance?
Need Health Insurance? Illinois Health Insurance Marketplace Enrollment October 2013 through March 31, 2014 Coverage begins January 1, 2014 (if enrolled by December 15, 2013) Beginning in October 2013,
More informationMAWD or Marketplace?
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
More informationAffordable Care Act: Outreach, Education and Enrollment
Affordable Care Act: Outreach, Education and Enrollment Deepti A. Loharikar Health Policy Analyst Department of Health and Human Services Health Resources and Services Administration What is the Affordable
More informationDavid Lyons Founding Director and Chief Executive Officer
The New Health Insurance Marketplace Changes Impacting Small Employers and the SHOP Opportunity David Lyons Founding Director and Chief Executive Officer CoOportunity Health 10/1/2013 1 Why the Change?
More information!"#$%&'()*+(',%'#-./)0$1'2)3%'$-4"#$5)6+03$7)8"()-9'):;<=)>?@)A'?$"#) ) Frequently Asked Questions for Consumers:
!"#$%&'()*+(',%'#-./)0$1'2)3%'$-4"#$5)6+03$7)8"()-9'):;?@)A'?$"#) ) Frequently Asked Questions for Consumers: 1. Q: What is Form 1095-A? A: Form 1095-A is a form you will use to fill out your taxes,
More informationHow To Get A Health Insurance Plan In Texas
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
More informationA GUIDE TO UNDERSTANDING, GETTING AND USING HEALTH INSURANCE. The. Health Insurance
A GUIDE TO UNDERSTANDING, GETTING AND USING HEALTH INSURANCE The of Health Insurance THE ABC S OF HEALTH INSURANCE: WHY IS HEALTH INSURANCE IMPORTANT? Even if you are in GOOD HEALTH, you will need to
More informationThe information in this module was correct as of June 2015.
This session will spotlight the section of applications on the Federally-facilitated Marketplace and State Partnership Marketplace application process that covers plan compare, choosing how much advance
More informationTO UNDERSTANDING SHORT-TERM HEALTH INSURANCE
S3 STEPS TO UNDERSTANDING SHORT-TERM HEALTH INSURANCE What s Inside Step 1: What What short-term health insurance is, and isn t 4 Step 2: How How short-term health insurance works 8 STEPS TO UNDERSTANDING
More informationINDIVIDUAL RESPONSIBILITY
Health Care Reform (HCR), Affordable Care Act (ACA), Mandates, Regulations, Health Insurance Marketplace, Health Insurance Exchanges, Penalties What does all this mean to you in 2014? There are many health
More informationFederally-facilitated Marketplace Agent and Broker Training Outline and Summary
DEPARTMENT OF HEALTH & HUMAN SERVICES Centers for Medicare & Medicaid Services 7500 Security Boulevard Baltimore, Maryland 21244-1850 Center for Consumer Information & Insurance Oversight Federally-facilitated
More informationHEALTH INSURANCE MARKETPLACE SURVIVAL GUIDE FOR SMALL BUSINESS. Vermont Edition
HEALTH INSURANCE MARKETPLACE SURVIVAL GUIDE FOR SMALL BUSINESS Vermont Edition NAVIGATING NEXT STEPS IN HEALTH CARE REFORM There s a constant stream of changes and updates related to health care reform,
More informationPaperwork Reduction Act statement
Instructions: Massachusetts-Specific Model COBRA Continuation Coverage Election Notice For use by Massachusetts Employers and Employees The Department of Labor has developed a model Consolidated Omnibus
More informationThe Affordable Care Act. President Obama signed the Affordable Care Act (ACA) into law on March 23, 2010.
The Affordable Care Act President Obama signed the Affordable Care Act (ACA) into law on March 23, 2010. The ACA was enacted to: v Increase quality and affordability of health insurance v Lower the uninsured
More informationTHE AFFORDABLE CARE ACT IN VIRGINIA --THE BASICS-- MARY FRANCES CHARLTON Attorney and ACA Coordinator LEGAL AID JUSTICE CENTER
THE AFFORDABLE CARE ACT IN VIRGINIA --THE BASICS-- MARY FRANCES CHARLTON Attorney and ACA Coordinator LEGAL AID JUSTICE CENTER Overview Affordable Care Act, aka Obamacare Goals Affordable Insurance Coverage
More informationHealth Care Reform Update
Small Businesses No Financial Requirements for Small Businesses: The ACA imposes no financial requirements for small businesses to contribute to their employees health insurance. However, beginning in
More informationThe Small Business Guide to Health Care Law
The Small Business Guide to Health Care Law How new changes in health care law will affect you and your employees Table of Contents Introduction 3 Part I: A General Overview of Health Care Law 4 The Affects
More informationHealth Reform: A Guide for Employers
Updated with information on the Supreme Court health reform decision July 2012 Health Reform: A Guide for Employers Simple answers to health reform s complex issues facing every employer and what you can
More informationAffordable Care Act Toolkit
Affordable Care Act Toolkit for Individuals and Families Choose coverage that fits. Form No. 3-1017 (07-14) Individuals and Families Healthcare Reform What does it mean for you? The following outline
More informationThe Affordable Care Act and People with Disabilities
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
More informationInsurance. how insurance works
Insurance how insurance works why health insurance is important Health insurance is one of the best ways you can protect yourself and your family in case you get sick or injured and need medical care.
More informationCommonly Asked Question & Answers:
Commonly Asked Question & Answers: Is it true that everyone has to have health coverage starting in 2014? Yes, it is true. ACA s Individual Mandate goes into effect on January 1, 2014, which requires each
More informationNAVIGATOR RESOURCE GUIDE ON PRIVATE HEALTH INSURANCE COVERAGE & THE HEALTH INSURANCE MARKETPLACE
NAVIGATOR RESOURCE GUIDE ON PRIVATE HEALTH INSURANCE COVERAGE & THE HEALTH INSURANCE MARKETPLACE The Center on Health Insurance Reforms Georgetown University Health Policy Institute Acknowledgements This
More informationCommon Complex Scenarios. Consumers Who Receive an Offer of Employer-Sponsored Coverage
Common Complex Scenarios Consumers Who Receive an Offer Center for Consumer Information and Insurance Oversight February 13, 2015 1 Samson, 55 years old, Married, Father of One Child Samson and his wife
More informationACA Learning Series Marketplace and MassHealth Coverage at Tax Time
ACA Learning Series Massachusetts Health Care Training Forum (MTF) Marketplace and MassHealth Coverage at Tax Time The Individual Mandate: State and Federal Comparison December 18, 2014 Agenda Overview
More informationUnderstanding the Affordable Care Act Premium Tax Credit
Understanding the Affordable Care Act Premium Tax Credit Most Americans are Required to Have Health Care Coverage The Affordable Care Act (ACA), or health care law, requires most U.S. citizens and legal
More informationAugust 2015. AmeriCorps VISTA Healthcare FAQs
August 2015 AmeriCorps VISTA Healthcare FAQs AmeriCorps VISTA Healthcare FAQs The Affordable Health Care Act (ACA) reformed healthcare and ensures that essential healthcare benefits are made available
More informationMarch 2014. 110 Stockton Street Charleston, WV 25387 (304) 558-0416 www.ddc.wv.gov
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)
More informationyour guide to health INSURANCE reform
CURRENT LOGO your guide to health INSURANCE reform for This guide explains how Health Reform will affect Individual and Family health plans, helps you understand different types of health insurance and
More informationAffordable Care Act (ACA) Frequently Asked Questions
Grandfathered policies Q1: What is grandfathered health plan coverage? A: The interim final rule on grandfathering under ACA generally defines grandfathered health plan coverage as coverage provided by
More informationFrequently Asked Questions
Frequently Asked Questions What is Covered California? What is Obamacare? Are they the same? What is the Medi-Cal program? Who can buy health insurance through Covered California? When will I be able to
More informationQ. My company already offers employee health coverage, how does the law impact me?
Frequently Asked Questions Q. Will my business be required to provide employee health insurance under the health care law? A. The law does not mandate employers provide employees health care coverage.
More informationPremium Tax Credits and Tax Reconciliation
Fact Sheet OCTOBER 2015 Premium Tax Credits and Tax Reconciliation Summary You may be one of the millions of people who buy health insurance on their own with the help of premium tax credits. When it is
More informationTO UNDERSTANDING THE AFFORDABLE CARE ACT
3 STEPS TO UNDERSTANDING THE AFFORDABLE CARE ACT What s Inside Step 1: What Understand what you re buying 4 Step 2: How How can you buy health insurance? 20 STEPS TO UNDERSTANDING THE AFFORDABLE CARE ACT
More information