Maryland Health Connection: Working with the Faith Community Health Network to Educate and Enroll Congregants

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1 Maryland Health Connection: Working with the Faith Community Health Network to Educate and Enroll Congregants A service of Maryland Health Benefit Exchange

2 Maryland Health Connection Our Mission: To make health insurance affordable and accessible for all Maryland residents.

3 Importance of Health Coverage Health Insurance = Better Access to Care People who DON T HAVE health coverage are more likely to: Skip getting medical care that they need Postpone getting care due to cost Not fill a prescription due to cost Have trouble paying medical bills Have a collection agency contact them about medical bills People who DO have health coverage are more likely to: Get preventive care that prevents illness Get earlier treatment for illness or disease Have better outcomes for health problems, because of early treatment 3

4 Overview What is Maryland Health Connection? Maryland Health Connection Overview It is the state s health insurance marketplace for individuals and families to compare and enroll in coverage. It offers Marylanders a range of health coverage options from health insurance carriers or public health programs including Medicaid. It is the only place in Maryland where individuals and families can get financial help with their health coverage costs, if they qualify. It provides coverage to small businesses and may enable them to receive a tax credit through its Small Business Health Options Program (SHOP). Maryland Health Connection also offers dental plans. 4

5 Affordable Care Act Did You Know? Maryland Health Connection was established to meet the requirements of the federal Health Care Reform law, aka the Affordable Care Act (ACA). As a result of the ACA, insurance companies can no longer turn people away if they have pre-existing conditions. All Qualified Health Plans must include Essential Health Benefits. 5

6 Affordable Care Act What is a Qualified Health Plan? It s a health plan that has been certified by Maryland Health Connection to meet certain standards. All of our qualified health plans cover essential health benefits and meet our other standards. Individuals with qualified health plans will not have to worry about the penalty for not having health insurance. Participating Insurance Companies United HealthCare Evergreen Health Co-op Cigna Kaiser Permanente CareFirst Tax Penalty for Being Uninsured = 6

7 Affordable Care Act Ambulatory patient services Emergency services Hospitalization Maternity and newborn care Essential Health Benefits All qualified health plans offered through Maryland Health Connection provide the same set of essential health benefits, which include: Mental health and substance use disorder services, including behavioral health treatment Prescription drugs Rehabilitative and habilitative services and devices Laboratory services Preventive wellness services & chronic disease management Pediatric services, including oral and vision care 7

8 How to Enroll 8

9 Financial Help Available Who Qualifies? Nearly 9 out of 10 of Marylanders who enrolled through Maryland Health Connection in 2015 received financial help to lower the cost of health insurance. Three Ways to Save: Tax Credits Lower your monthly premium cost. You can apply the credit directly to your monthly premium to save each month. Or, you can wait and apply the credit when you file your taxes, lowering the amount you owe or increasing your refund. Cost-Sharing Reductions Lower the amount you pay out-of-pocket when you need care, such as lower deductibles, copays or coinsurance. Medicaid Free or low-cost coverage for people who qualify. 9

10 Open Enrollment 3: Enrollment Results More than 165,000 Marylanders enrolled in health coverage for 2016 through Maryland Health Connection More than half-million people enrolled through the state marketplace for 2016 coverage Almost 30,000 enrolled in dental, offered on the marketplace for the first time this year 10

11 In-Person Enrollment Assistance 11

12 In-Person Enrollment Assistance Six Regional Connector Entities throughout the state serve as Boots on the Ground to provide free in-person education, eligibility and enrollment assistance Employ trained and certified navigators to counsel and enroll residents into Qualified Health Plans and Medicaid and provide information about eligibility requirement for federal premium subsidies and cost-sharing assistance More than 1,500 trained experts are available throughout the state Insurance brokers can help consumers select a plan that best suits their needs and budget 12

13 HealthCare Access Maryland: Central Region Connector Entity Lena Hershkovitz VP of Health Insurance Programs Facebook: /HealthCareAccessMaryland Website:

14 HCAM -- Central Region Connector Central Region Baltimore City Baltimore County Anne Arundel County 2 Partner Organizations Local Health Departments Department of Social Services Baltimore City

15 Central Region Connector HCAM employs certified Navigators to: Provide outreach and education Conduct eligibility determinations Facilitate enrollment into Medicaid programs & Qualified Health Plans (QHPs) We also act as the Local Health Department for the processing of Medicaid applications in Baltimore City Baltimore City

16 How can our staff help consumers? Year-round Medicaid enrollment Questions and concerns about Medicaid Why isn t my coverage active? When will I receive my cards? Enrollment into Qualified Health Plans during Open Enrollment Enrollment into Qualified Health Plans when someone has experienced a Qualifying Life Event Birth or adoption of a child Marriage or divorce Change in income that causes a change in eligibility Technical glitches or general questions about enrollment Home visits for consumers who are homebound Baltimore City

17 How can our staff help organizations? Participate in health fairs, job fairs, resource fairs, and other outreach events Speaking events Groups of consumers Groups of professionals who assist consumers Serve as a Health Insurance resource for those who work with vulnerable populations Baltimore City

18 How to find us! In-person Assistance 3 HCAM Offices: Baltimore City: 201 E. Baltimore St., 15th floor Monday Friday 8:30 4:30 Reisterstown: 523 Main St., Reisterstown Monday Friday: 10 7; Saturday 9 4 Pasadena: 8159A Ritchie Highway, Pasadena Monday Friday 10 7; Sat 9 4 Outreach Sites and Enrollment Events HCAM Call Center Open Monday through Friday, 8:30am to 4:30pm Baltimore City

19 Building Organizational Capacity In FY16, the budget for the Connector Program has been cut by 50% from Year 1 funding, so less assistance will be available starting in July through these entities Organizations who would like to assist patients with enrollment can apply to become an Application Counselor Sponsoring Entity To apply to become an ACSE, visit marylandhbe.com for information. Current staff or volunteers can be trained and certified to assist with MA and QHP enrollments ACSEs to be incorporated under CEs for support and technical assistance No funding provided Baltimore City

20 Lena Hershkovitz Vice President of Health Insurance Programs Baltimore City

21 Brian Mattingly Director of The Door to HealthCare

22 WELCOME ANDOVERVIEW Connector Entity Program Re-Entry Services Community Care Team Local Health Improvement Coalition Healthiest Maryland Businesses Journey to Better Health: Faith Based Health Initiative

23 CONNECTOR PROGRAM

24 CONNECTOR PROGRAM Role of Navigators and Assisters Enrollment in Medicaid and Qualified Health Plans - Eligibility determination - Facilitate plan selection - Application follow up Community Outreach and Education Health Literacy

25 CONNECTOR PROGRAM 14 Partner Organizations Carroll County Partnership For A Healthier Carroll County Howard County Chase Brexton Health Services FIRN Local Health Departments Department of Social Services

26 OPEN ENROLLMENT 3 LOCATIONS Carroll County Local Health Department Department of Social Services Access Carroll Carroll Hospital Center Eldersburg Library Howard County Local Health Department Department of Social Services Chase Brexton FIRN 50+ Center in Ellicott City Laurel Multiservice Center

27 IN PERSON ASSISTANCE Call to Schedule an Appointment (Door)

28 RE-ENTRY PROGRAM Howard County Ensure all recently released have health coverage Connect to community services Assess health needs and barriers Apply for health benefits Connect to community resources - Transportation - Housing - Counseling

29 Community Outreach and Education Community Events Health Fairs and Forums Community Service Organizations Faith Communities Job Development Tax Professionals

30 Community Enrollment Open Enrollment Events Super Health Sunday

31 Health Literacy More Than Four In Ten Uninsured Don t Know Basic Health Insurance Terms, Fewer Understand Complex Coverage Concepts. Kaiser Family Foundation

32 ENROLLMENT IN HEALTH COVERAGE Medicaid Enrollment is YEAR ROUND Special Enrollment Period Marriage or divorce Birth or adoption of a child Change in income that results in change in eligibility

33 Health Coverage for All Marylanders Role of Faith Leaders Faith leaders provide comfort, direction and guidance to the community including concerning health related issues TRUST most effectively influences Marylanders.* The majority of Marylanders go to close friends, family and faith and community leaders for health information.* Ability of community and faith-based organizations to conduct education campaigns and calls to action is unmatched.* * Data based on KRC research completed for Maryland Health Connection 33

34 Health Coverage for All Marylanders How You Can Help Talk to your congregation members about health insurance Refer congregation members to Maryland Health Connection or your local Connector Entity for health coverage. Raise awareness about Maryland Health Connection at your faith organization by: Posting brochures, posters and fact sheets Adding a link to MarylandHealthConnection.gov Invite Maryland Health Connection to participate in your community and faith events Participate in Super Health Sunday during the next Open Enrollment Press Conference announcing Super Health Sunday hosted by Rev. Dr. Cleveland Mason at Perkins Square Baptist Church with Congressmen Elijah Cummings and John Sarbanes; MD State Conference of the NAACP President Gerald Stansbury; Baltimore City Health Commissioner Dr. Leana Wen; Vinny DeMarco; president of the Maryland Citizens Health Initiative, and MHBE Executive Director Carolyn Quattrocki. 34

35 Outreach Materials Outreach Materials Maryland Health Connection will provide materials at the events including: Making the Most of Your Health Insurance brochures Enrollment Checklist what consumers need to bring when they enroll Connector Entity handouts with area enrollment center addresses and hours Fact Sheets 35

36 Online Resources Resources are Available for Download at MarylandHealthConnection.gov at the Download Center

37 Questions? Jenny Mancha Outreach Coordinator Maryland Health Benefit Exchange Cell: Thank you!