ACA Overview:

Connecting Your Library Patrons to

Affordable Care Act Resources

Indiana State Library

Professional Development Office

Libraries and Health

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A survey was conducted in 2012 and

showed that 47% of patrons retrieve

health information online at libraries

An increase of 10% from 2011

People realize that libraries are excellent

source of reliable health information

Patrons realize that libraries are neutral

places

Agenda

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Health Insurance Marketplace Overview

Resources

Serving our patrons & what other libraries

are doing

FAQs

Sources for more training

Patient Protection & Affordable Care Act

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The comprehensive health care reform law was

enacted in two parts:

Patient Protection and Affordable Care

Act was signed into law on March 23, 2010 .

Amended by the Health Care and Education

Reconciliation Act on March 30, 2010.

“Affordable Care Act” is used to refer to

the final, amended version of the law

Health Insurance Marketplace

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The Marketplace

is a new way to

find health

coverage that

fits your budget

and meets your

needs.

Health Insurance Marketplace

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To provide qualified individuals and employers

(business owners) to have access:

Affordable coverage options

Ability to purchase private health insurance

Access to health insurance information

Allow effective comparison of qualified health

plans

SHOP Marketplace

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SHOP – Small Business Health Options

Program

Fewer than 50 fulltime-equivalent

employees

Find eligibility of Small Business Health Care

Tax Credit

Qualified Health Plans

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Under the Affordable Care Act, starting in

2014, an insurance plan that is certified

by the Health Insurance Marketplace:

provides essential health benefits

follows established limits on cost-sharing

meets other requirements

Qualified Health Plans

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Offered by an issuer that is certified by the

state and should be in good standing

Covers the essential health benefits

Offers at least one plan – silver level or gold

level of cost sharing

The issuer agrees to charge the same

premium rate whether it is through the

marketplace or outside of it

Health Insurance Marketplace Help

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Navigators

Trained in an unbiased environment

Adhere strongly to privacy and security laws

Completed 30-40 hours of training

Ongoing trainings for updates

Took initial web-based training

Required on-going training

Required to be certified every year

Health Insurance Marketplace Help

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Navigators need to meet reporting

requirements

Reports include – progress, financial,

performance

Should not be compensated by issuers –

directly or indirectly

ADA compliant

Services are available also in Spanish

Health Insurance Marketplace Help

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Certified Application Counselors and

Assisters

Trained to educate consumers and help

complete applications

Health care providers, social service

organizations etc.

State of Indiana Navigators

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Who must apply?

Federally-funded

federal Navigators.

Federally-designated

Certified Application

Counselors.

Others who help

complete insurance

affordability program

applications.

Some are not eligible.

Federal vs. State

Navigators

Need to be certified

in Indiana.

Federal Navigators

are compensated by

the federal

government.

No compensation for

Indiana Navigators.

Marketplace in Indiana

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Determine the Marketplace in your state

Federal Exchange

Partnership exchange – federal and state

State-based exchange – taking the lead

with ACA

*Eligibility of patrons depend on who is running

the Marketplace.

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State |Variations of State-Federal Partnerships| Federal

Health Insurance Marketplace by State from commonwealthfund.org

Marketplace

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Website:

www.healthcare.gov

Help Center:

1-800-318-2596

Chat feature

SHOP

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Website:

www.healthcare.gov

Help Center:

1-800-318-2596 for employees

1-800-706-7893 for employers

Enrollment

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Initial Open Enrollment is complete

October 15th- December 7th, 2014 next

Open Enrollment

Special Enrollments

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The Resources

Finding Help

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Find Local Help

localhelp.healthcare.gov

Indiana Health Care Reform

www.in.gov/healthcarereform

Official Resources

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marketplace.cms.gov

Applications

Informational Documents

Widgets

Official Resources

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productordering.cms.hhs.gov Centers for Medicare and Medicaid Services Product

Ordering Website

Other Resources

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INSPIRE – inspire.in.gov

Affordable Care Act resources

Health databases

MedlinePlus

Health Source: Consumer Edition

Other Resources

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Health Insurance Statistics

enrollamerica.org

countyhealthrankings.org

Federal Trade Commission

ACA Fraud Alert

Kaiser Family Foundation – nonpartisan site

healthreform.kff.org

The Law

hhs.gov/healthcare/rights/law/index.html

Partnerships

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Indiana Navigators – Department of Insurance

in.gov/healthcarereform

Find Local Help

localhelp.healthcare.gov

Health Resources Services Administration

http://www.hrsa.gov/about/news/2013tables/

outreachandenrollment/in.html

Rural Assistance Center

http://www.raconline.org

Partnerships

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FSSA – Indiana Family & Social Services

Administration

in.gov/fssa

Department of Insurance

in.gov/idoi

Chambers of Commerce

SHOP-related info sessions

IN Chamber of Commerce Health Care

Helpline

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ACA & Libraries

Serving Our Patrons: Policy

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1. Identify the type of exchange in your state and concentrate on the information

- healthcare.gov

2. Assess your staff – how can we meet the patrons’ needs?

- Computer literacy

3. Define the role of your library - information dissemination

Serving Our Patrons continued

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4. Familiarize yourself with the available

resources – nationally & locally

5. Review your library policies – cell

phone, computer, printer use

Serving Our Patrons

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Nobody is expected to be an expert

Remain neutral

Provide relevant, current information

Connect patrons to local health

organizations, centers, agencies, etc.

Make appropriate referrals

What are other libraries doing?

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ACA Resource Guides

Indianapolis Public Library

Lake County Public Library

Monroe County Public Library

Partnerships & Programming

Waukegan Public Library, Illinois

Orange County Public Library, Florida

Topeka and Shawnee County Public Library

FAQs

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Patron: What is the Health Insurance

Marketplace?

Library staff: The Marketplace is a new

way to find health coverage. I can show

you where to go to see all your options

and enroll. In Indiana, we will use Healthcare.gov to apply.

Some other states will use their own state-wide

marketplace.

FAQs

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Patron: What if I already have job-based

insurance? Do I need to do this?

Library staff: You should be considered

covered but if you want to change or

make sure I can show you where you

can explore Marketplace coverage.

“See plans & prices”

“See if you can get lower costs”

FAQs

Patron: What if I’m a part-time

employee without health coverage?

Library staff: I can’t tell you whether you

are going to be covered but I can help

you locate the application to find out

your Health Insurance Marketplace

options. Consider looking at this application checklist and

returning to fill out the online application with the

documents listed.

FAQs

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Patron: How do I get ready to enroll?

Library staff: These flyers will help you prepare and gather all of the information you will need in order to fill out an application in the Health Insurance Marketplace You will need to bring the following information with you to

enroll:

SSN

Birth dates

Income information (from Pay stubs or W2s)

Policy numbers for any current health insurance

Information about any health insurance you or your family could get from your jobs.

FAQs

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Patron: I’ve heard about Health

Insurance Marketplace scams. How do I

know if something is trustworthy?

Library staff: No one should ask for

personal health information. If you have

any questions, don’t give out

information.

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Additional Trainings

Trainings: Webinars

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marketplace.cms.gov

Patient Protection and Affordable Care Act

webinar by ISL legal interns

WebJunction Indiana’s Health Happens in

Libraries page

INSPIRE

Training: Email Updates

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CMS – marketplace.cms.gov

Healthcare.gov

WebJunction Indiana Health Happens in

Libraries

Under ‘Get Involved’

National Network of Libraries of Medicine

nnlm.gov

Social Media

Indiana Library Listservs

Questions?

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by Horia Varlan,

Flickr Creative Commons

Contact

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Sara O’Sha Northeast Regional Coordinator

Indiana State Library Professional Development Office

(317) 447-0452

sosha@library.in.gov