HEALTH INSURANCE MARKETPLACE TOOLKIT

Transcription

1 HEALTH INSURANCE MARKETPLACE TOOLKIT The Health Insurance Marketplace Is Here A consortium of the Pennsylvania Mental Health Consumers Association (PMHCA), the Mental Health Association in Pennsylvania (MHAPA), and Mental Health America of Westmoreland County (MHAWC) received a grant from the U.S. Department of Health and Human Services to develop a Health Insurance Marketplace Navigator Program to help mental health consumers across Pennsylvania navigate the Health Insurance Marketplace. These Navigators provide information about the Marketplace and give enrollment assistance to people, particularly those who want behavioral health services to be covered by their health insurance. The Navigators are employed by The Advocacy Alliance, PMHCA, MHAPA, and MHAWC. We need your help to spread the word about the Marketplace and the Navigator Program. Using the communications in this toolkit, please inform your networks, stakeholders, and community about the Marketplace. Help us ensure that no one who is eligible for insurance is left out, left behind, or left on the sidelines of the Marketplace. This toolkit provides messages for consumer-focused communications. It is designed to help us reach the more than 222,000 people across the state who use or need behavioral health services in their insurance plans, particularly those who experience serious mental illness or serious psychological distress. This Health Insurance Marketplace Navigator Program is made possible through a consortium of the Pennsylvania Mental Health Consumers Association, the Mental Health Association in Pennsylvania, and Mental Health America of Westmoreland County. The project described was supported by Funding Opportunity Number CA- NAV from the U.S Department of Health and Human Services, Centers for Medicare & Medicaid Services. The contents provided are solely the responsibility of the authors and do not necessarily represent the official views of HHS or any of its agencies. 1

2 Table of Contents Web Copy 3 Newsletter Article 5 Copy 7 Social Media Messages 8-9 Website Badges 10 Appendix A Resources and Information about the Health Care Law and Health Insurance 11 Marketplace Appendix B Health Insurance Marketplace Navigator Program Brochures and Flyers 12 2

3 Web Copy The Health Insurance Marketplace is a new way to find health coverage that fits your budget and meets your needs. With one application, you can see all your options and enroll. Every health insurance plan in the new Marketplace offers essential health benefits, such as doctor visits, preventive care and wellness services, hospitalization, prescriptions, and mental health and substance use disorder services, including behavioral health treatment. Compare plans based on price, benefits, quality, and other features important to you before you make a choice. Once you ve decided on a plan, you can enroll directly in the Marketplace and make a premium payment by December 15, 2013 for coverage that begins on January 1, (Open enrollment for 2014 closes on March 31, 2014.) Apply and Enroll Visit Healthcare.gov. You can also call the Marketplace at for more information. TTY users should call Coverage starts as soon as January 1, To apply for insurance you will need the following: name, birth date, social security number, and income information for yourself and all family members needing coverage. Get Help from Health Insurance Marketplace Navigators in Pennsylvania Navigators can help you understand how the Marketplace works and complete eligibility and enrollment forms. In Pennsylvania, The Advocacy Alliance, the Mental Health Association in Pennsylvania, Mental Health America of Westmoreland County, and the Pennsylvania Mental Health Consumers Association offer Navigators who are trained to help people who use or need behavioral health services. Call (toll free) to make an appointment or speak with a Navigator. Or locate one who serves your county in the list below. Language interpreter services are available. The TTY number for people who are deaf or hearing impaired is Western Region Navigators. Counties served are Allegheny, Armstrong, Beaver, Butler, Cameron, Clarion, Clearfield, Crawford, Elk, Erie, Fayette, Forest, Greene, Indiana, Jefferson, Lawrence, McKean, Mercer, Potter, Venango, Warren, Washington, and Westmoreland. westernpanav@mhawc.org or call (toll free). Central Region Navigators. Counties served are Adams, Bedford, Blair, Cambria, Centre, Clinton, Columbia, Cumberland, Dauphin, Franklin, Fulton, Huntingdon, Juniata, Lancaster, Lebanon, Lycoming, Mifflin, Montour, Northumberland, Perry, Snyder, Somerset, Union, and York. centralpanav@pmhca.org or call (toll free). 3

4 Eastern Region Navigators. Counties served are Berks, Bradford, Bucks, Carbon, Chester, Delaware, Lackawanna, Lehigh, Luzerne, Montgomery, Monroe, Northampton, Philadelphia, Pike, Schuylkill, Sullivan, Susquehanna, Tioga, Wayne, and Wyoming. E- mail or call (toll free). *** This Health Insurance Marketplace Navigator Program is made possible through a consortium of the Pennsylvania Mental Health Consumers Association, the Mental Health Association in Pennsylvania, and Mental Health America of Westmoreland County. The project described was supported by Funding Opportunity Number CA-NAV from the U.S Department of Health and Human Services, Centers for Medicare & Medicaid Services. The contents provided are solely the responsibility of the authors and do not necessarily represent the official views of HHS or any of its agencies. 4

5 Newsletter Article The Health Insurance Marketplace Is Here No doubt you ve heard about the new Health Insurance Marketplace a key part of the health care law that opened for business on October 1. But you may still have questions, like what is the Marketplace, and can you really get health insurance? We ve got answers. The Marketplace helps you find health insurance that fits your budget and meets all your needs, with less hassle. No matter where you live, you can buy insurance from private health plans that cover a comprehensive set of benefits, including doctor visits, preventive care and wellness services, hospitalization, prescriptions, and mental health and substance use disorder services, including behavioral health treatment. And plans in the Marketplace must treat you fairly; they can t deny you coverage because of a preexisting condition. With a single application, you can also see if you qualify for Medicaid or the Children s Health Insurance Program, or savings you can use right away to lower your health insurance premiums. On the site you can also explore every qualified health plan in your area. Once you ve decided on a plan, enroll directly in the Marketplace by December 15, 2013 for coverage that begins on January 1, (Open enrollment for 2014 closes on March 31, 2014.) Apply and Enroll Visit Healthcare.gov. To apply for insurance you will need the following: name, birth date, social security number, and income information for yourself and all family members needing coverage. Get Help from Health Insurance Marketplace Navigators in Pennsylvania Navigators can help you understand how the Marketplace works and complete eligibility and enrollment forms. In Pennsylvania, The Advocacy Alliance, the Mental Health Association in Pennsylvania, Mental Health America of Westmoreland County, and the Pennsylvania Mental Health Consumers Association offer Navigators who are trained to help people who use or need behavioral health services. Call (toll free) to make an appointment or speak with a Navigator. Or locate one who serves your county in the list below. Language interpreter services are available. The TTY number for people who are deaf or hearing impaired is Western Region Navigators. Counties served are Allegheny, Armstrong, Beaver, Butler, Cameron, Clarion, Clearfield, Crawford, Elk, Erie, Fayette, Forest, Greene, 5

6 Indiana, Jefferson, Lawrence, McKean, Mercer, Potter, Venango, Warren, Washington, and Westmoreland. or call (toll free) Central Region Navigators. Counties served are Adams, Bedford, Blair, Cambria, Centre, Clinton, Columbia, Cumberland, Dauphin, Franklin, Fulton, Huntingdon, Juniata, Lancaster, Lebanon, Lycoming, Mifflin, Montour, Northumberland, Perry, Snyder, Somerset, Union, and York. or call (toll free) Eastern Region Navigators. Counties served are Berks, Bradford, Bucks, Carbon, Chester, Delaware, Lackawanna, Lehigh, Luzerne, Montgomery, Monroe, Northampton, Philadelphia, Pike, Schuylkill, Sullivan, Susquehanna, Tioga, Wayne, and Wyoming. E- mail or call (toll free) *** This Health Insurance Marketplace Navigator Program is made possible through a consortium of the Pennsylvania Mental Health Consumers Association, the Mental Health Association in Pennsylvania, and Mental Health America of Westmoreland County. The project described was supported by Funding Opportunity Number CA-NAV from the U.S Department of Health and Human Services, Centers for Medicare & Medicaid Services. The contents provided are solely the responsibility of the authors and do not necessarily represent the official views of HHS or any of its agencies. 6

7 Copy Dear Friend, No doubt you ve heard about the new Health Insurance Marketplace a key part of the health care law that opened for business on October 1. If you have questions about the Marketplace and how it can help you and your family or your small business find affordable plans that cover everything from doctor visits to mental health therapies to medications, contact a Health Insurance Marketplace Navigator. In Pennsylvania, The Advocacy Alliance, the Mental Health Association in Pennsylvania, Mental Health America of Westmoreland County, and Pennsylvania Mental Health Consumers Association offer Navigators who are trained to help people who use or need behavioral health services. These Navigators can help you understand how the Marketplace works and complete eligibility and enrollment forms. Call (toll free) to make an appointment or speak with a Navigator. Or locate one who serves your county in the list below. Language interpreter services are available. The TTY number for people who are deaf or hearing impaired is Western Region Navigators. Counties served are Allegheny, Armstrong, Beaver, Butler, Cameron, Clarion, Clearfield, Crawford, Elk, Erie, Fayette, Forest, Greene, Indiana, Jefferson, Lawrence, McKean, Mercer, Potter, Venango, Warren, Washington, and Westmoreland. westernpanav@mhawc.org or call (toll free). Central Region Navigators. Counties served are Adams, Bedford, Blair, Cambria, Centre, Clinton, Columbia, Cumberland, Dauphin, Franklin, Fulton, Huntingdon, Juniata, Lancaster, Lebanon, Lycoming, Mifflin, Montour, Northumberland, Perry, Snyder, Somerset, Union, and York. centralpanav@pmhca.org or call (toll free). Eastern Region Navigators. Counties served are Berks, Bradford, Bucks, Carbon, Chester, Delaware, Lackawanna, Lehigh, Luzerne, Montgomery, Monroe, Northampton, Philadelphia, Pike, Schuylkill, Sullivan, Susquehanna, Tioga, Wayne, and Wyoming. E- mail easternpanav@theadvocacyalliance.org or call (toll free). You may contact these Navigators for assistance whether or not you are looking for insurance that covers your specific behavioral health needs. To access the Marketplace directly, visit healthcare.gov. Sign up and make a premium payment by December 15, 2013, for coverage to start on January 1, (Open enrollment for 2014 ends on March 31, 2014.) Don t wait to get insured! Sincerely, 7

8 Social Media Messages Below are sample messages about the Health Insurance Marketplace to use on Facebook and Twitter. In addition, we encourage your organization to follow the Marketplace on Facebook ( and Twitter ( for news and updates. Facebook Find affordable health insurance coverage including behavioral health services on the new Health Insurance Marketplace. Visit healthcare.gov or contact a Marketplace Navigator at (toll free) to learn more. Need health coverage? To learn what you re eligible for, compare options, and enroll, visit the Health Insurance Marketplace at healthcare.gov. If you need help understanding your options, call a Marketplace Navigator at (toll free) or visit In the Health Insurance Marketplace, you may be able to get lower costs on your monthly premium or out-of-pocket costs. Contact a Marketplace Navigator at (toll free) or find one serving your area at to learn more. Do you use or need coverage for behavioral health services in your insurance plan? Contact a Health Insurance Marketplace Navigator to learn about plans and costs and find the right health insurance plan for you. Call (toll free) or visit to find a Navigator serving your area. Every insurance plan in the Health Insurance Marketplace must offer essential health benefits, including doctor visits, preventive care and wellness services, hospitalization, prescriptions, and mental health and substance use disorder services, including behavioral health treatment. Learn more at healthcare.gov. Did you know that the Health Insurance Marketplace covers free depression screenings? Learn more at healthcare.gov or contact a Marketplace Navigator in Pennsylvania at (toll free). Enroll in the Health Insurance Marketplace by December 15, 2013 for coverage that begins on January 1, (Open enrollment for 2014 closes on March 31, 2014.) Visit healthcare.gov today to find out what you re eligible for and to enroll. 8

9 Social Media Messages (cont d) Twitter Below are some tweets to promote the Health Insurance Marketplace and the Health Insurance Marketplace Navigator Program. Please use #GetCovered with any tweets. Remember that there is a maximum of 140 characters for all tweets. The Health Insurance Marketplace is open! Visit Healthcare.gov or call to get covered. #GetCovered The Health Insurance Marketplace lets you search all health plan options in one place visit healthcare.gov. #GetCovered Many free preventive services are now available at the Health Insurance Marketplace at healthcare.gov. #GetCovered Wondering what the Health Insurance Marketplace is all about? Watch to learn more. #GetCovered The new health care law covers depression screenings. Learn more at pmhca.org. #GetCovered Health Insurance Marketplace open enrollment for 2014 ends March 31, Enroll now at healthcare.gov. #GetCovered Need help with the Health Insurance Marketplace? Contact a PA Marketplace Navigator at (toll free). #GetCovered 9

10 Website Badges Below are badges that you can use on your organization s website. The badges link directly to healthcare.gov, except for the Navigator badge, which links to pmhca.org. Have your webmaster cut and pasted the code for one of the badges onto your organization s website. Badge for Insurance Marketplace Code: div id="hcsquare"><a href=" PBadge&utm_medium=widget&utm_content=180x150- en&utm_campaign=hcgov" shape="rect"><img alt="need health coverage? The Health Insurance Marketplace is open! Apply Now"src=" x150-badge-healthcare- 2.jpg?utm_source=cms&utm_medium=banner&utm_content =180x150&utm_campaign=hcgov" style=" border-bottom: medium none; border-left: medium none; border-top: medium none; border-right: medium none;"></a></div> Badge for Marketplace Navigator Program Code: <p><a href=" target="_blank"><img src=" alt="market Place" width="120" height="130" border="0"></a></p> Badge for Depression Screening Code: <ahref=" =bb-oadp-enroll- 065&utm_source=external&utm_medium=banner&utm_content =oadp-enroll-065&utm_campaign=glgb" title="health Insurance Marketplace. Prevention saves lives. Marketplace plans cover free depression screening. Get covered! src=" 180x150b_13-depression.jpg"style="width:180px; height:150px; border:0px;"alt="health Insurance Marketplace. Prevention saves lives. Marketplace plans cover free depression screening. Get covered! 10

11 Appendix A: Resources and Information about the Health Care Law and Health Insurance Marketplace Information about the Health Care Law and Health Insurance Marketplace How the health care law is making a difference for the people of Pennsylvania: Articles about the Health Insurance Marketplace; using the Marketplace; getting lower costs on coverage; young adults; rights, protections, and the law; prevention; and more: Videos about the Marketplace: Tips for helping consumers navigate the Marketplace: Things for consumers to think about when choosing a plan: Website Resources Qualified Health Plan Worksheet (Posted January 17, 2014). This worksheet is designed to help consumers organize the information they will need to make an informed decision in choosing their Qualified Health Plan (QHP). It emphasizes the possible services individuals with mental health and substance use conditions may want access to. _FORM.pdf Kaiser Family Foundation. The Kaiser Family Foundation s website offers a wealth of resources and information related to the ACA, including the Healthy Insurance Subsidy Calculator. Community Health Centers Coverage Map. $150 million in grant awards to 1,159 health centers across the nation will enable them to help uninsured Americans gain affordable health insurance coverage. Find a Community Health Center here: Mentalhealth.gov. Mentalhealth.gov provides one-stop access to U.S. government mental health and mental health problems information. Substance Abuse and Mental Health Services Administration. SAMHSA s Health Reform resource features fact sheets on health reform and more. 11

12 Appendix B: Health Insurance Marketplace Navigator Program Brochures and Flyers We have created a brochure and poster about the Marketplace and Marketplace Navigator Program. To download a PDF of the brochure or posters, visit Brochure: 11x8.5, folded to 5.5x8.5 Posters: 11x