Hispanics and NY State of Health
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Transcript of Hispanics and NY State of Health
Hispanics and the NY State of Health
Rebecca Jackson
External Affairs Outreach & Marketing
NY State of Health the Official Health Plan Marketplace
What is NY State of Health?
• Organized marketplace
– One-stop shopping for subsidized and unsubsidized coverage
– Easily compare health plan options
– The only place to check eligibility and apply for financial assistance
– Enroll in qualified health plans
• Two programs
– Individual Marketplace
– Small Business Marketplace
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• Today nearly 2.7 million New Yorkers under age 65, about 16 percent, do not have health insurance coverage
• Primarily workers and their families
• Uninsured people forego necessary care due to costs
• Taxpayers and the insured shoulder the burden of paying for the care of the uninsured
New York’s Uninsured
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Individual Marketplace (58%)
Small Business Marketplace (42%)
Who Will Enroll In NY State Of Health?
Health Plan Marketplace enrollment is estimated to be
1.1 million New Yorkers
450,000 615,000
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NY State of Health Enrollee Characteristics, by Race/Ethnicity
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58%
11%
19%
10%
2%
Individual Marketplace
56%
10%
21%
13%
Small Business Marketplace
White/Non-Hispanic
Black/Non-Hispanic
Hispanic
Asian/PacificIslander
Other
Note: The results in this report assume small employer size is set to 100 employees, non-group and small group markets remain separate, and that Basic Health Plan is not implemented, consistent with modeling assumptions for “Alternative 1” in the March 2012 Urban Institute report. Source: Urban Institute, “Characteristics of Nonelderly New Yorkers Likely to Enroll in the Health Insurance Exchanges Under the Affordable Care Act,” February 2013, updated May 2013.
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Note: The results in this report assume small employer size is set to 100 employees, non-group and small group markets remain separate, and that Basic Health Plan is not implemented, consistent with modeling assumptions for “Alternative 1” in the March 2012 Urban Institute report. Source: Urban Institute, “Characteristics of Nonelderly New Yorkers Likely to Enroll in the Health Insurance Exchanges Under the Affordable Care Act,” February 2013, updated May 2013.
64%
18%
3%
2% 1%
2% 1%
9%
Individual Marketplace
English
Spanish
Chinese
Hindi andrelatedFrench/Haitian
Korean
Russian
NY State of Health Enrollee Characteristics, by Language
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Uninsured New Yorkers Expected to Gain Private Coverage, By Race/Ethnicity and Region
23%
18%41%
18%
NYC, Westchester, Rockland
White, Non-Hispanic
Black, Non-Hispanic
Hispanic
Other
87%
6%4% 3%
Central NY, Finger Lakes
72%
6%
15%
7%
Mid-Hudson, Capital, North Country
43%
9%
38%
11%
Long Island
78%
11%
6%5%
Western NY
Source: Urban Institute, Characteristics of Nonelderly New Yorkers Likely to enroll in the Health Insurance Exchanges Under the Affordable Care Act, February, 2013
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Uninsured New Yorkers Expected to Gain Private Coverage, By Language and Region
Source: Urban Institute, Characteristics of Nonelderly New Yorkers Likely to enroll in the Health Insurance Exchanges Under the Affordable Care Act, February, 2013
35%
39%
26%
NYC, Westchester, Rockland
English Spanish Other/NA
88%
4%
8%
Central NY, Finger Lakes
78%
13%
9%
Mid-Hudson, Capital, North Country
49%
35%
16%
Long Island
87%
6%
7%
Western NY
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Uninsured New York City Residents Expected to Gain Private Coverage, By Race/Ethnicity
18%
12%
40%
30%
Queens County
White, Non-Hispanic
Black, Non-Hispanic
Hispanic
Other
46%
9%
29%
16%
Richmond County
10%
24%
62%
4% Bronx County
34%
12% 38%
15%
New York County
25%
30%
29%
16%
Kings County
Source: Urban Institute, Characteristics of Nonelderly New Yorkers Likely to enroll in the Health Insurance Exchanges Under the Affordable Care Act, February, 2013
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27%
38%
35%
Queens County
English Spanish
Other/NA
50%
22%
28%
Richmond County
28%
59%
14%
Bronx County
46%
35%
19%
New York County
43%
27%
30%
Kings County
Uninsured New York City Residents Expected to Gain Private Coverage, By Language
Source: Urban Institute, Characteristics of Nonelderly New Yorkers Likely to enroll in the Health Insurance Exchanges Under the Affordable Care Act, February, 2013
NY State of Health Enrollment
• Open Enrollment began on October 1
• Individuals may enroll in health plans during open
enrollment (October 1, 2013 - March 31, 2014) or
with a qualifying event
• Individuals who qualify for Medicaid/CHP may enroll
any month of the year
• Small employers may choose open enrollment dates
for their employees any month of the year
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Online Enrollment
• One portal will process applications for:
– Medicaid
– Child Health Plus
– Individual Marketplace
– Small Business Marketplace
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A FIRST CLASS CUSTOMER SERVICE CENTER IS READY TO ANSWER QUESTIONS AND
ENROLL PEOPLE
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Customer Service Call Center 1-855-355-5777
• Call Center accepting applications.
• Can refer to in-person assistors
• Hours: 8am-8pm (M-F) and 9am-1pm (Sat)
• Assistance available in over 170 languages – Many staff will be bilingual and oral
interpretation available for remaining languages.
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CERTIFIED ENROLLMENT EXPERTS PROVIDE IN-PERSON ASSISTANCE IN THE COMMUNITY
AT COVENIENT LOCATIONS
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3 Types of In-Person Assistors • Complete Applications
• Compensation from DOH grant program
• Training and certification required
• Serve Individuals and Small Business Marketplace
IPA/Navigators
• Complete Applications
• No compensation from Marketplace
• Training and certification required
Certified Application Counselors
• Complete Applications
• Commission-based compensation
• Training and certification required
• Choose to certify in Small Business Marketplace, Individual, or both
Insurance Brokers/Agents
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INDIVIDUALS AND SMALL BUSINESSES HAVE A CHOICE OF HIGH QUALITY, LOW COST PRIVATE
HEALTH PLANS
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Health Plan Highlights • Choice of plans in all areas of the State
• Increased competition gives consumers new health plan options
• Premiums for people who buy coverage for themselves and their families decreases by an average of 53% compared to today’s premiums
• You will not be denied health insurance on the basis of a pre-existing condition
• All plans are required to have adequate networks
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All Plans Cover 10 Essential Health Benefits
– Outpatient Services
– Preventive, Wellness, & Chronic Disease Management
– Mental Health & Substance Abuse Disorder Services
– Hospitalization
– Emergency Services
– Pediatric Vision and Dental
– Maternity and Newborn Care
– Prescription Drugs
– Laboratory and Imaging Services
– Rehabilitative & Habilitative Services
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Financial Assistance • Many individuals and families will be eligible for financial
assistance to reduce the cost of coverage
• Financial assistance is available in 2 forms:
– Tax credits will reduce the cost of premiums for most single adults
earning less than $45,960 and for families of 4 earning less than
$94,200
– Cost-sharing reductions will lower co-payments and deductibles for
single adults earning less than $28,725 and for families of 4 earning
less than $58,875
• Tax credits and cost sharing reductions are estimated at the
time of application and applied immediately
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A STATEWIDE AWARENESS CAMPAIGN HAS BEGUN. A MULTI-MEDIA ADVERTISING
CAMPAIGN IS NOW GOING ON
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Media
• New name, logo and website unveiled
• Creative campaign for TV, radio, print and “out-of-home”
• Public relations campaign under way
• Social media includes Twitter, Facebook, YouTube and Google Plus
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Available Web Resources
• On our website (nystateofhealth.ny.gov)
– Fact Sheets, Rack Cards, and Posters in English, Spanish, Haitian Creole, French, Korean, Russian, Italian, and Chinese
– Newsletter templates in English and Spanish
– County-specific list of Navigator grantees
– County-specific list of Health Plans
– Tax Credit and Premium Estimator
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