ACA Playbook - Montana Department of Public Health and Human Services
|
|
- Laura Parker
- 7 years ago
- Views:
Transcription
1 ACA CLIENT FREQUENTLY ASKED QUESTIONS SCRIPT Please refer to this document for answers to common questions clients may have about the Affordable Care Act, eligibility, and the Federally Facilitated Marketplace. COMPLETING THE APPLICATION 1. What is the FFM? Does it have hours? The Federally Facilitated Marketplace is a website where you can go to review health insurance options, apply for health insurance under the Affordable Care Act, review policies and pricing. You may apply online at Healthcare.gov or by calling The Marketplace is available 24 hours a day, 7 days a week. 2. Where can I apply for Medicaid? You can apply online at app.mt.gov/mtc for coverage prior to January 1, 2014, or Healthcare.gov for coverage under the Affordable Care Act beginning January 1, You can also apply in- person at your local Office of Public Assistance. Or we can mail you an application. 3. If I complete this FFM application, when do my benefits start? Why don t my benefits start right now? Health coverage assistance under the Affordable Care Act begins January 1, This is a new, federal program. To see if you re eligible for Montana Medicaid now, you will need to apply through the Office of Public Assistance or online at app.mt.gov/mtc. 4. What application do I need to complete if I want health coverage right now? You can apply online at app.mt.gov/mtc, apply in- person at your local Office of Public Assistance, or we can mail you an application. 5. Did Montana expand Medicaid? Why did Montana not expand Medicaid? No. The 2013 Legislature voted not to expand Medicaid in Montana. You may still apply for health coverage assistance at Healthcare.gov to explore your options for private health insurance. 6. What s the different between applying for health coverage using the Marketplace and using a state application? If you are only applying for health coverage assistance, visit Healthcare.gov. To apply for additional programs, including SNAP and TANF, complete a Montana application in- person or at app.mt.gov/mtc to have eligibility reviewed for all programs. 7. What does open enrollment mean? Open enrollment means that anyone can apply for health coverage assistance. The open enrollment period is October 1, 2013 to March 31, Can I apply after March 31, 2014 for Medicaid? You can apply online at Healthcare.gov at any time. Individuals may also apply through the Marketplace during special enrollment periods if they have a Qualifying Life Event. Go to Healthcare.gov for more information.
2 9. What is a Qualifying Life Event? Examples off qualifying life events are moving to a new state, certain change in income, and changes in family size (for example, marriage, divorce, or having a baby). Go to Healthcare.gov for more information. 10. Who can I go to for assistance in completing my application? (Montana and FFM) For assistance in completing an application through Healthcare.gov, please call You may also chat with a representative live at Healthcare.gov. There are also certified application counselors and navigators in Montana to help you apply. For contact information, go to Healthcare.gov. If you are applying for health coverage assistance now in Montana, please call or contact your local Office of Public Assistance. (Please refer to the field office contact information in your ACA PLAYBOOK!) 11. Which is the recommended means of applying? Go to Healthcare.gov to complete your application. If you are also applying for TANF and/or SNAP, go to apply.mt.gov/mtc, or we can mail you an application. 12. Can I apply via the telephone? Yes. Call to complete an application for health coverage assistance beginning Jan. 1, 2014, or contact your local Office of Public Assistance for help filling out an application. 13. Is there only one FFM for all the states? Yes. The Marketplace is the one place for residents in all states to apply for health coverage assistance under the Affordable Care Act. 14. How long will it take me to complete a Single Streamlined Application online? The online application may take up to 60 minutes if you are applying for all programs, including SNAP, TANF and health coverage assistance. 15. What are navigators and certified application counselors? These people assist consumers in submitting eligibility applications. For information on contacting a navigator or a certified application counselor, see the ACA Playbook. 16. How do I contact a navigator or certified application counselor? Find contact information at Healthcare.gov. 17. Do I have to bring my tax forms? No. You will need basic information about your household s income. This could be found on tax returns, W- 2s, or current pay stubs. You do not need to send in copy of your income verification. 18. What year of taxes are you looking at for my application? Will you be filing taxes for the current calendar year? If yes, that is the information that will be requested. EXAMPLE: If you are applying on , we want to know the tax information for the current calendar year, which you will be filing in the next year (2015). 19. What if I don t file taxes can I still apply? Yes. 20. The Marketplace is down. What do I do? Please call
3 21. I m stuck on this screen on the Marketplace, what do I do now? Please call Can I apply for Medicaid for previous months via the Marketplace? Yes, an applicant can apply for retroactive coverage through the Marketplace. However, the retro coverage processing will be handled by your local Field Office of Public Assistance instead of the Marketplace. 23. If I am out of compliance between the months of October 2013 December 2013, can I reapply for Medicaid in January and still receive benefits? If your Medicaid case has not been closed, but are just in non- cooperation status, then a new application for Medicaid will not remedy this situation. The application will be looked at as a change report. If the Medicaid case has been closed, then a person may reapply for Medicaid and be eligible for Medicaid at initial determination and then need to regain compliance within six months of application date. 24. What happens if there are children in my application that are being cited as tax dependents by someone other than me? The children will be considered non- tax filers and we will follow the non- filer tax rules to determine the household composition. If the child is under age 19, the household will include the child s natural, adopted and step parents and natural, adoptive, step siblings. 25. Does applying through the Marketplace affect my existing (SNAP/TANF/etc.) case? It depends. You may receive notification from your worker requesting new verification if any information provided through the Marketplace application is different from what is currently in your SNAP/TANF case. Information included in your Marketplace application may affect your SNAP/TANF case. 26. I only have my children part of the year, but claim them as dependents on my taxes. Can I apply for health coverage for them? Yes. Apply online at Healthcare.gov or call My children live with me part of the year and in another state with an absent parent the remainder of the year. Will their coverage be accepted in another state? Which parent should apply for coverage for the kids? Medicaid does not transfer from state to state. Each parent must apply in their state when the children are living with them. They also need to notify their respective case workers when the children move out of state. 28. My grandchildren live with me, but I do not claim them as dependents on my taxes. How do I apply for coverage for the children? Submit an application online at Healthcare.gov or call
4 AFTER THE APPLICATION IS SUBMITTED 1. I received a notice from the Marketplace. What does this mean? Please go online to Healthcare.gov or call to speak with a customer service representative about your Marketplace application. 2. I completed a single streamlined application via the Marketplace or Self Service Portal, what else do I need to do? Nothing. Wait until your application is processed. You will be notified by mail if anything further is needed to process your application. You will be notified of your approval or denial by mail. 3. How long will it take to process my application? It may take up to 45 days to process an application. 4. I applied via the Marketplace last night. Is my application for Medicaid processed yet? Please call or go to Healthcare.gov to check on the status of your application. 5. Where do I get my Medicaid card? If you are approved for Medicaid, your card will be automatically mailed to you, as well as an approval notice with contact information for your local Office of Public Assistance. It could take up to two weeks for your card to arrive in the mail. If you do not receive your card, please contact your local Office of Public Assistance. 6. What if I am enrolled in a tribe and get services through Indian Health Services? Members of a federally recognized tribe can apply for health coverage assistance through the Marketplace at Healthcare.gov. Tribal members do not have to pay the penalty fee if they do not have coverage, and may qualify for special enrollment periods and lower out- of- pocket costs for deductibles, copayments and coinsurance. 7. If I apply in person and am determined ineligible for ACA Medicaid beginning January 1, 2014, what happens to my application? Do I need to reapply on the Marketplace? Your application will automatically be referred to the Marketplace. You do not need to submit another application. You will be notified by the Marketplace when your application is processed. 8. On the Marketplace, how will I know if I am actually determined eligible or not where do I find that information? You will receive a notice from the Marketplace regarding your approval, denial or changes. If the Marketplace determines that you may be eligible for a Medicaid program, HMK or HMK Plus, your application will be forwarded to the local Office of Public Assistance for a determination. You will receive notification from the Marketplace if your application is transferred to your local Office of Public Assistance. 9. What happens if I don t qualify for Medicaid or health coverage assistance through the Marketplace? If you do not qualify for any program, you will be given options for purchasing private health insurance at the Marketplace. People without health coverage in 2014 may have to pay a fee. For more information, go to Healthcare.gov.
5 10. I applied via the Marketplace in another state, but now moved to Montana. Does my health coverage still apply here? Health coverage through Healthcare.gov is specific to each state. Please re- apply for health coverage assistance in Montana by going online to Healthcare.gov. 11. Why did I get denied for Medicaid? A notice with the reason for your denial was mailed to you. This letter will indicate who to contact with further questions. Also, your application will be forwarded to the Marketplace to review other health coverage options. 12. If I am already receiving state benefits, will the Marketplace know? No. This feature is not yet functional. 13. I received a denial notice from the Marketplace. How do I appeal this? Contact the Marketplace at Healthcare.gov or I was denied by the Marketplace, but I think I should be eligible. Can you help me dispute the denial? No. Contact the Marketplace at Healthcare.gov or The Marketplace is responsible for handling disputes or fair hearings that they make for health care benefits.
6 COVERAGE UNDER THE AFFORDABLE CARE ACT 1. Is moving from state to state a qualifying event (for a new determination) when I apply through the FFM? Yes. If you have coverage through the Marketplace and you move to a new state, you must report the change to your case worker and re- apply for coverage in Montana. You can re- apply at Healthcare.gov, or through your local Office of Public Assistance. 2. What is the Advanced Premium Tax Credit? A new tax credit available to consumers who purchase health insurance through the Federally Facilitated Marketplace. 3. I received Foster Care in another state - will Montana still accept me for the Former Foster Care program? Yes. Any person who was in foster care and receiving Foster Care Medicaid at age 18, regardless of which state issued the benefit, will be eligible for the Former Foster Care program through the month they turn Do I have to provide proof that I was in foster care at age 18? No. 5. I need to get a hold of my case manager. How do I do that? If you are on Medicaid, please call your local Office of Public Assistance. For help with your health coverage assistance through the Marketplace, please call (Please refer to the Playbook for field office contact information.) 6. Who do I report changes to? Report changes to your case worker if you are covered by a Medicaid program, HMK or HMK Plus. For health coverage through the Marketplace, be sure to update your information at Healthcare.gov. If you have an open SNAP or TANF case with the Office of Public Assistance, report changes to your case worker according to your reporting requirements. 7. What changes do I report and by what time? Report changes to the Office of Public Assistance regarding your Medicaid, HMK, HMK Plus, SNAP or TANF changes according to your reporting requirements. For coverage through the Marketplace, report changes at Healthcare.gov. 8. I m on Medicaid. Will my benefits change or stop starting October 1, 2013? Do I have to do anything or call my case worker? Do nothing. Your benefits will not change. When your case is up for renewal, you will receive more information from your case worker. 9. What happens if I don t enroll in health insurance? You may be forced to pay a fee if you do not enroll in health insurance. For more information, please call or go to Healthcare.gov. 10. What is a Qualified Health Plan? An insurance plan certified by the Marketplace that provides essential health benefits, follows established limits on cost sharing (such as deductibles, copayments and out- of- pocket maximum amounts) and meets other requirements. Go to Healthcare.gov for more information.
7 11. What are essential health benefits? Minimum requirements all health coverage plans must offer. These include: 1. Outpatient care 2. Trips to the emergency room 3. Treatment in the hospital for inpatient care 4. Care before and after a baby is born 5. Mental health and substance use disorder services 6. Prescription drugs 7. Services and devices to help you recover if you are injured, or have a disability or chronic condition. 8. Lab tests 9. Preventive services including counseling, screenings, vaccines, and care for managing a chronic disease. 10. Pediatric services, including dental and vision for kids Specific health care benefits may vary by state. Even within the same state, there can be small differences between health insurance plans. When you fill out your application and compare plans, you ll see the specific health care benefits each plan offers Go to Healthcare.gov for more information. 12. How can I lower the price I pay for health coverage? Certain households may be eligible for cost sharing reductions, discounts that lower out- of- pocket costs for deductibles, coinsurance and copayments. If you are a member of a tribe or your income is below a certain level, and you purchase health insurance through the Marketplace, you may be eligible for a cost sharing reduction. 13. How do I get the hardship exemption? For more information, go to Healthcare.gov. 14. Will I receive notices about ACA and non- ACA programs? Read notices closely. A denial notice may be sent to certain household members, and other household members, if approved, will receive a separate approval notice. 15. Will my Medicaid card still look the same? Yes. 16. What happens to my SNAP/TANF eligibility if there is a discovered change when verifying my information for ACA? Reporting requirements haven t changed for SNAP or TANF. Discovered changes will be acted on according to your reporting requirements. 17. I am already on Medicaid. Will my coverage end December 31? No. There will be no change to your current Medicaid, HMK or HMK Plus coverage. 18. I am currently aging out of Foster Care Medicaid, will there be a seamless transition to Former Foster Care, or will I need to submit a separate application? At this time there is no transition from Foster Care Medicaid to Former Foster Care, so a client will need to submit a new application.
8 19. My child is currently on HMK, how will new ACA limits affect this enrollment? Will my child be changed to Medicaid rather than HMK? The new ACA limits will not affect current HMK eligibility until a change is reported or the annual redetermination. If your child becomes eligible for HMK Plus, they will be enrolled in this program instead of HMK. 20. Who do I contact about fair hearings? If the eligibility notice was sent by the State then contact the local Field Office of Public Assistance. The contact information is on the front of your eligibility notice. If the eligibility notice was sent by the Marketplace, contact the Marketplace at Healthcare.gov or RESOURCES Federally Facilitated Marketplace: Healthcare.gov or Montana Medicaid Hotline: Montana Field Offices of Public Assistance: See the contact list in the ACA Playbook Montana Connections: app.mt.gov/mtc
health insurance Why It s Important & What You Need to Know
health insurance Why It s Important & What You Need to Know HEALTH INSURANCE: WHY IT S IMPORTANT & WHAT YOU NEED TO KNOW Worry Less: Protect Your Health and Your Wallet No one plans to get sick or hurt,
More informationhealth insurance Why It s Important & What You Need to Know
health insurance Why It s Important & What You Need to Know If you do not have health insurance: Fixing a broken arm can cost up to $7,500 The average cost of a 3-day hospital stay is around Worry Less:
More informationAFFORDABLE 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 informationA Consumer s Guide to the Affordable Care Act
A Consumer s Guide to the Affordable Care Act The Affordable Care Act was designed to help make health care affordable for everyone. This guide will help you understand how the ACA affects individuals
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 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 informationMaryland s New Health Insurance Marketplace. What You Need To Know About Getting Health Coverage
Maryland s New Health Insurance Marketplace What You Need To Know About Getting Health Coverage Goals Today The Importance of Coverage What is Maryland Health Connection? New coverage options Qualified
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 informationMaryland Health Connection
Maryland Health Connection What You Need To Know About Getting Health Coverage MarylandHealthConnection.gov Goals Today The importance of coverage What is Maryland Health Connection? Coverage options Qualified
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 informationConsumer Guide to. Health Insurance. Oregon Insurance Division
Consumer Guide to Health Insurance Oregon Insurance Division The Department of Consumer and Business Services, Oregon s largest business regulatory and consumer protection agency, produced this guide.
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 informationHealth Insurance Marketplaces
Health Insurance Marketplaces 2013 Zywave, Inc. All rights reserved. Presented by Employer Flexible What is Health Care Reform? The Affordable Care Act (ACA) was enacted in March 2010. Biggest overhaul
More informationHealth Insurance Marketplace Frequently Asked Questions
Health Insurance Marketplace Frequently Asked Questions Q & A SPECIFIC TO THE HEALTH INSURANCE MARKETPLACE & ASSISTANCE Q1: Why is health insurance important? A: No one plans to get sick or hurt, but at
More informationKey Facts About the Small Business Health Options Program (SHOP) Marketplace
Key Facts About the Small Business Health Options Program (SHOP) Marketplace The Small Business Health Options Program (SHOP) Marketplace is now open and ready to help you get health coverage for your
More informationHealth Insurance Marketplace 101 1
Affordable Care Act Coverage Accomplishments May 2013 3.1 million young adults have gained insurance through their parents plans 6.1 million people with Medicare through 2012 received $5.7 billion in prescription
More informationHealth Care Reform: Health Insurance Marketplace FAQs
From Filice Insurance Health Care Reform: Health Insurance Marketplace FAQs What is a Health Insurance Marketplace? The Health Insurance Marketplace (Marketplace) is a way to find health coverage that
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 informationFind 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. October 2015 Objectives This session will help you Explain the Health Insurance Marketplace Define who
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 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 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 informationNEW HEALTH MARKETPLACE
NEW HEALTH INSURANCE MARKETPLACE DISCLAIMER The information in this presentation is based on information provided www.healthcare.gov. It is not provided as advice for your personal situation. Georgia Perimeter
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 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 informationUnderstanding the Health Insurance Marketplace. Michelle Ray, MPA Navigator Program Manager USF-Florida Covering Kids & Families
Understanding the Health Insurance Marketplace Michelle Ray, MPA Navigator Program Manager USF-Florida Covering Kids & Families Topics USF s role in the Health Insurance Marketplace Rate of uninsured in
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 informationPresented by South Dakota Community Action Partnership
Presented by South Dakota Community Action Partnership The project described was supported by Funding Opportunity Number CA-NAV-13-001 from the U.S Department of Health and Human Services, Centers for
More informationDo you have health insurance?
Do you have health insurance? We will help you understand how to get, pay for, and use health insurance This presentation will help you understand how to get health insurance, how to pay for health insurance,
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 informationYou can usually only shop for insurance during a specific timeframe that occurs once a year called open enrollment.
Getting Started So many of us forget about health insurance until we need to use it. Even when we have insurance, sometimes we forget about the routine and preventive services that help us to get and stay
More information*************************************************************************** OPEN ENROLLMENT
Find answers to commonly asked questions about the Affordable Care Act (ACA), the state and federal marketplaces, Medicaid, Medicare and the Ryan White HIV/AIDS Program below. We have made every effort
More informationThe Affordable Care Act and American Indian and Alaska Natives. Frequently Asked Questions
The Affordable Care Act and American Indian and Alaska Natives Frequently Asked Questions 1. Is IHS coverage going away under the Affordable Care Act? No. The IHS, Tribal and urban Indian health programs
More informationHealth Insurance Marketplace
Health Insurance Marketplace & Arkansas Health Connector Published by the City of Pine Bluff, Human Resources Department ** Federal Mandate ** The Affordable Care Act, a new healthcare law, requires that
More informationOhio Health Benefits LLC. Your health insurance partner!!
December 16, 2014 Presented by Steve Clark & Scott Prior Patient Protection and Affordable Care Act of 2010 Obamacare or ACA or PPACA or Health Care Reform (HCR) Signed in to law on March 23, 2010 The
More informationThe Health Insurance Marketplace 101. May 2013
The Health Insurance Marketplace 101 May 2013 Affordable Care Act Coverage Accomplishments 3.1 million young adults have gained insurance through their parents plans 6.1 million people with Medicare through
More informationRules of Department of Social Services Division 40 Family Support Division Chapter 7 Family Healthcare
Rules of Department of Social Services Division 40 Family Support Division Chapter 7 Family Healthcare Title Page 13 CSR 40-7.010 Scope and Definitions...3 13 CSR 40-7.015 Application Procedure for Family
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 informationKIDCARE MEMBER HANDBOOK
KIDCARE MEMBER HANDBOOK KC 3793 (N-3-02) THIS HANDBOOK IS ONLY FOR CHILDREN AND PREGNANT WOMEN. IF YOU ARE AN ADULT AND NOT PREGNANT, YOU SHOULD CALL YOUR ILLINOIS DEPARTMENT OF HUMAN SERVICES (DHS) LOCAL
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 informationLegislative Brief: COMPREHENSIVE HEALTH COVERAGE ESSENTIAL HEALTH BENEFITS PACKAGE
Laurus Strategies Legislative Brief: COMPREHENSIVE HEALTH COVERAGE ESSENTIAL HEALTH BENEFITS PACKAGE The Affordable Care Act (ACA) requires non grandfathered health insurance plans in the individual and
More informationImportant Questions Answers Why this Matters:
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.anthem.com or by calling 1-800-445-7490. Important Questions
More information2006 Choosing a Medigap Policy:
CENTERS FOR MEDICARE & MEDICAID SERVICES 2006 Choosing a Medigap Policy: A Guide to Health Insurance for People With Medicare This official government guide can help you Learn what a Medigap (Medicare
More informationFind 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. January 2015 The Health Care Law In March 2010, President Obama signed the Affordable Care Act into law
More information2007 Choosing a Medigap Policy:
CENTERS FOR MEDICARE & MEDICAID SERVICES 2007 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare This is the official government guide with important information about what
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 informationImportant Questions Answers Why this Matters: In-network: $0/Individual; $0/Family Out-of-network: $500/Individual; $1,000/Family
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.anthem.com or by calling 1-800-445-7490. Important Questions
More informationThe Health Insurance Marketplace: Know Your Rights
The Health Insurance Marketplace: Know Your Rights You have certain rights when you enroll in a Marketplace health plan. These rights include: Getting easy-to-understand information about what your plan
More informationCO-OPtions Consumers' Choice Silver 12, a Multistate Plan. Cost Sharing Reduction Plan 100-150% Federal Poverty Level (94% Actuarial Value)
CO-OPtions Consumers' Choice Silver 12, a Multistate Plan Coverage Period: 01/01/2015-12/31/2015 If you qualified for a Cost Sharing Reduction Plan on Healthcare.gov, please click on the appropriate link
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 informationTHE HEALTH INSURANCE MARKETPLACE
THE HEALTH INSURANCE MARKETPLACE Presented by Raffa Financial Services Source: Centers for Medicare & Medicaid Services Design 2013 Zywave, Inc. All rights reserved. OBJECTIVES This session will help you:
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 informationQuestions and Answers for Customers Applying for Medicaid in Illinois February, 2014
Pat Quinn, Governor Julie Hamos, Director 201 South Grand Avenue East Telephone: (217) 782-1200 Springfield, Illinois 62763-0002 TTY: (800) 526-5812 Questions and Answers for Customers Applying for Medicaid
More informationThe Healthy Michigan Plan Handbook
The Healthy Michigan Plan Handbook Introduction The Healthy Michigan Plan is a health care program through the Michigan Department of Community Health (MDCH). The Healthy Michigan Plan provides health
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 informationThe Health Insurance Marketplace: Know Your Rights
The Health Insurance Marketplace: Know Your Rights You have certain rights when you enroll in a health plan in the Marketplace. These rights include: Getting easy-to-understand information about what your
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 informationUser s Guide to Key Terms DEFINITIONS OF TOP HEALTH INSURANCE TERMS
User s Guide to Key Terms DEFINITIONS OF TOP HEALTH INSURANCE TERMS deductible The amount you will spend on your health care before your health plan starts to pay some of your health care costs. The
More informationAffordable Care Act HEALTHCARE.GOV. Marketplace Implementation Briefing Virginia Organizing Marketplace Public Forum August 20, 2013
HEALTHCARE.GOV Affordable Care Act Marketplace Implementation Briefing Virginia Organizing Marketplace Public Forum August 20, 2013 Joanne Corte Grossi, MIPP Regional Director U.S. Department of Health
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 informationHEALTH CARE REFORM CHECKLIST
HEALTH CARE REFORM CHECKLIST As a small employer, you need to be aware of the new regulations tied to the Affordable Care Act. Refer to this checklist to ensure you understand each one and that you re
More informationThis booklet constitutes a small entity compliance guide for purposes of the Small Business Regulatory Enforcement Fairness Act of 1996.
This publication has been developed by the U.S. Department of Labor, Employee Benefits Security Administration (EBSA). To view this and other EBSA publications, visit the agency s Website at dol.gov/ebsa.
More informationThe Health Insurance Marketplace: Know Your Rights
The Health Insurance Marketplace: Know Your Rights You have certain rights when you enroll in a health plan in the Marketplace. These rights include: Getting easy-to-understand information about what your
More informationAdvocare Essence (HMO-POS)
Advocare Essence (HMO-POS) offered by Security Health Plan of Wisconsin, Inc. You are currently enrolled as a member of Advocare Essence (HMO-POS). Next year there will be some changes to the plan s costs
More informationHEALTH INSURANCE CHOICES FOR AMERICAN INDIANS
HEALTH INSURANCE CHOICES FOR AMERICAN INDIANS HEALTH INSURANCE IS AN IMPORTANT RESOURCE THAT CAN KEEP YOU AND YOUR FAMILY HEALTHY. If you have ongoing health issues, health insurance can help pay for treatment
More informationTMO civic academy:! What you need to know! The Healthcare Marketplace!
TMO civic academy: What you need to know The Healthcare Marketplace 1 The Metropolitan Organization Developing power to shape public policy for the common good Organizing Process Learn - issues affecting
More informationUHC Premium HSA Coverage Period: 01/01/2016-12/31/2016
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at http://totalrewards.stryker.com/spd/ or by calling Your Benefits
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 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 informationCENTERS FOR MEDICARE & MEDICAID SERVICES
CENTERS FOR MEDICARE & MEDICAID SERVICES 2016 Welcome to Medicare! Medicare is health insurance for people 65 or older, under 65 with certain disabilities, and any age with End-Stage Renal Disease (ESRD)
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 informationThe Healthy Michigan Plan Handbook
The Healthy Michigan Plan Handbook Introduction The Healthy Michigan Plan is a health care program through the Michigan Department of Community Health (MDCH). Eligibility for this program will be determined
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 informationAnnual Notice of Changes for 2015
Coventry Advantage (no drug) (HMO) offered by Coventry Health Care of Missouri, Inc. Annual Notice of Changes for 2015 You are currently enrolled as a member of Coventry Advantage (no drug) (HMO). Next
More informationHealthy Michigan Plan Frequently Asked Questions
Healthy Michigan Plan Frequently Asked Questions Q: What is the Healthy Michigan Plan? A: Governor Rick Snyder signed into law Michigan Public Act 107 of 2013, which allows the State of Michigan to make
More informationA,B,C s of Obama Care What do you need to know? How will it affect you and your family?
Elephant in the Room A,B,C s of Obama Care What do you need to know? How will it affect you and your family? Confused? What will you learn in this webinar? O What is Obamacare? O What has it done so far?
More informationHow the Affordable Care Act Affects Medical Support Orders in Oklahoma Frequently Asked Questions Spring, 2014 1
How the Affordable Care Act Affects Medical Support Orders in Oklahoma Frequently Asked Questions Spring, 2014 1 General 1. Did Oklahoma expand Medicaid? No, Oklahoma did not expand Medicaid. 2. Who is
More informationImportant Questions Answers Why this Matters:
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.healthnow.org or by calling 1-855-344-3425. Important
More informationTitle Here Title Here Title
What You Need to Know about Health Insurance What You Need to Know about Health Insurance Choosing a Health Plan Keeping and Using Health Insurance Title How Here to Keep Title Your Here Marketplace Title
More informationApplication Information for Children s Health Insurance Program (CHIP), Children s Medicaid, and CHIP perinatal coverage
Application Information for Children s Health Insurance Program (CHIP), Children s Medicaid, and CHIP perinatal coverage CHIP CHIP covers children from birth through age 18 who do not qualify for Medicaid
More informationGuide to Health Care Reform
Guide to Health Care Reform 2 0 1 5 Navigating the changing landscape The first year of health care reform may be over but it may have left you with more questions than ever. You probably want to know
More informationHealth Care Reform. Frequently Asked Questions. June 2013
Health Care Reform Frequently Asked Questions June 2013 Frequently Asked Questions (FAQs) What is a health insurance marketplace or exchange? A marketplace, or exchange, is a website where you can shop
More informationPatient Financial Assistance Application Madison Valley Medical Center and Rural Health Clinic
Patient Financial Assistance Application Madison Valley Medical Center and Rural Health Clinic Madison Valley Medical Center and Rural Health Clinic (MVMC) provides, within the limits of its resources,
More informationBridgeSpan Health Company: BridgeSpan Oregon Standard Gold Plan MyChoice Northwest
BridgeSpan Health Company: BridgeSpan Oregon Standard Gold Plan MyChoice Northwest Summary of Benefits and Coverage: What this Plan Covers & What it Costs Questions: Call 1 (855) 857-9943 or visit us at
More informationWhat is the overall deductible? Are there other deductibles for specific services?
Small Group Agility MS200 Coverage Period: Beginning on or after 01/01/2015 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or
More informationThe Health Insurance Marketplace
The Health Insurance Marketplace An Overview of Arizona Enrollment in Medicaid and the Marketplace: Health-e-Arizona Plus update Rural Health Webinar August 7, 2013 What is the Affordable Care Act? The
More informationImportant Questions Answers Why this Matters:
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.anthem.com or by calling 1-877-453-5645. Important Questions
More informationHealth Insurance Marketplace 101 1
The Health Insurance Marketplace 101 provides a high level overview of the Affordable Care Act, and the new Health Insurance Marketplace. The Centers for Medicare & Medicaid Services (CMS) developed and
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 informationHealthcare. The Affordable Care Act, Wyoming, and You. What s Inside: A basic ACA overview 2. Wyoming healthcare statistics 4
Healthcare Reform The Affordable Care Act, Wyoming, and You What s Inside: A basic ACA overview 2 Wyoming healthcare statistics 4 How is the ACA going to affect you? 6 Warnings about penalties 12 Key dates
More informationInstructions to fill out this Application
Application Information for Children s Health Insurance Program (CHIP), Children s Medicaid, and CHIP perinatal coverage CHIP CHIP offers health care for children, from birth to age 18, whose families
More informationHealthyConnections. Affordable Care Act. How does the. affect you? Healthy starts here. Page 4. Special Edition Fall 2013
HealthyConnections Special Edition Fall 2013 How does the Affordable Care Act affect you? Page 4 Healthy starts here. What is the Affordable Care Act or Obamacare? Here s a very simple explanation. Page
More informationHealth Insurance Marketplace 101
Health Insurance Marketplace 101 The Marketplace is open! Find health care options that meet your needs and fit your budget. The Health Care Law In March 2010, President Obama signed the Affordable Care
More informationYour 2015 Health Plan Renewal Kit
Highlight indicates variable data [date] Your 2015 Health Plan Renewal Kit Thank you for choosing PacificSource! We look forward to helping
More informationThe Application for Benefits Eligibility (ABE) An Introduction for MPE Providers & All Kids Application Agents
The Application for Benefits Eligibility (ABE) An Introduction for MPE Providers & All Kids Application Agents Illinois Department of Healthcare & Family Services Illinois Department of Human Services
More informationFREQUENTLY ASKED QUESTIONS. For Individuals & Families. What is Maryland Health Connection?
FREQUENTLY ASKED QUESTIONS For Individuals & Families What is Maryland Health Connection? Maryland Health Connection is our state s new health insurance marketplace that will make it easier for Marylanders
More informationInformational Series. Community TM. Glossary of Health Insurance & Medical Terminology. (855) 624-6463 HealthOptions.
Informational Series Glossary of Health Insurance & Medical Terminology How to use this glossary This glossary has many commonly used terms, but isn t a full list. These glossary terms and definitions
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 informationChoosing a Medigap Policy: A Guide to Health Insurance for People with Medicare
CENTERS FOR MEDICARE & MEDICAID SERVICES 2014 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare This official government guide has important information about: Medicare Supplement
More informationI Have Health Insurance! Now What?
I Have Health Insurance! Now What? A Guide to Using Your Private Health Insurance Plan Brought to you by: Congratulations on Your New Health Plan! This guide is an overview of private insurance plans and
More information