hispanics and ny state of health

Hispanics and the NY State of Health

Rebecca Jackson

External Affairs Outreach & Marketing

[email protected]

NY State of Health the Official Health Plan Marketplace

NY STATE OF HEALTH OPENED ON OCTOBER 1ST

nystateofhealth.ny.gov 2

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


• 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


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


NY State of Health Enrollee Characteristics, by Race/Ethnicity

6

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.

7

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

8

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

9

Uninsured New Yorkers Expected to Gain Private Coverage, By Language and Region


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

10

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


11

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


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


A STATE OF THE ART WEBPORTAL MAKES IT EASY TO SHOP, COMPARE AND ENROLL


Online Enrollment

• One portal will process applications for:

– Medicaid

– Child Health Plus

– Individual Marketplace

– Small Business Marketplace


A FIRST CLASS CUSTOMER SERVICE CENTER IS READY TO ANSWER QUESTIONS AND

ENROLL PEOPLE


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.


CERTIFIED ENROLLMENT EXPERTS PROVIDE IN-PERSON ASSISTANCE IN THE COMMUNITY

AT COVENIENT LOCATIONS


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


Certified Application Counselors

• Complete Applications

• Commission-based compensation


• Choose to certify in Small Business Marketplace, Individual, or both

Insurance Brokers/Agents


INDIVIDUALS AND SMALL BUSINESSES HAVE A CHOICE OF HIGH QUALITY, LOW COST PRIVATE

HEALTH PLANS


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


Qualified Health Plans


Qualified Dental Plans


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


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


A STATEWIDE AWARENESS CAMPAIGN HAS BEGUN. A MULTI-MEDIA ADVERTISING

CAMPAIGN IS NOW GOING ON


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


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


nystateofhealth.ny.gov 1-855-355-5777


hispanics and ny state of health

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