nihoe aca ppt_tribal small business series iv
TRANSCRIPT
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7/31/2019 NIHOE ACA PPT_Tribal Small Business Series IV
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The Affordable Care Act:What does it mean for your Business?
September 13, 2012 Series 4 of 4
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Acronyms
ACA Affordable Care Act AI/AN American Indian/Alaska Native
FPL Federal Poverty LevelIHCIA Indian Health Care Improvement ActI/T/U Indian Health Services, Tribal and Urban
Indian organization programs/providersCHIP Childrens Health Insurance Program
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Basic Health Insurance Terms
Premium: The amount paid to an insurance company, usually ona monthly basis, for health insurance coverage.
Out-of-pocket costs: Health care costs paid by the patient. Theseinclude copayments, coinsurance, and deductibles.
Deductible: A specific dollar amount paid by the user each year before your health insurance plan starts to make payments for aclaim. Not all health insurance plans require a deductible.
Exclusions: Things not covered by the health insurance policy.Make sure to check the fine print of the health insurance policyfor which conditions are excluded.
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Basic Health Insurance Terms cont.
Benefit: Any service or supply (an office visit or a prescription drug)your health insurance plan will pay for.
Co-payment (copay): The dollar amount paid for a medical serviceor supply according to your insurance plan. ($20 for sick visit)
Pre-existing condition: A health problem or diagnosis that you hadbefore applying for health insurance or before the effective date of your new health plan. By 2014, companies will be unable to denyyou coverage based on pre-existing conditions.
Lifetime maximum: Refers to the amount of money the healthinsurance policy will pay for the entire life plan.
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The Health Care Law
On March 23, 2010 , PresidentObama signed into law the PatientProtection and Affordable Care Act(ACA)
The ACA protects the right of all Americans, including AmericanIndians and Alaska Natives, toaccess affordable health care
More than 32 million in this countrywho would otherwise not havehealth insurance will have accessto health coverage
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Recent Supreme Court Decision
On June 28, 2012 the Courtupheld minimum coveragerequirement
Precluded Medicaidexpansion requirement
Protected IHCIA and
implementation efforts todate
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The Federal Trust Responsibility
The ACA fulfills the federaltrust relationship andstrengthens tribal sovereignty through:
o Protection of the IHSsystem
o Providing equal accessto quality care
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Expansion of tribalgovernments role inhealth care decisions
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ACA Benefits Tribal Governments and Citizens
o Permanent reauthorizationof the IHCIAo Strengthens the Indian
Health Services systemauthorities
o Greater access to healthinsurance coverage
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Are All Tribal Employers Required
to Purchase Insurance?
Small businesses(less than 50 employees)
Large businesses(more than 50 employees)
Self Employed
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What Does the ACA
Mean for Small Businesses?New tax credits for smallbusinesses (less than 25)
Greater purchasingpower
Healthier employees
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Protection for Small Businesses
Health InsuranceExchanges
Cost savings, no matter your employees healthstatus
Coverage cannot becancelled
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Federal Employees Health Benefits
Tribes can enroll now
FEHB expands optionsfor tribal employees
FEHB covers nearly all
employees
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Why Purchase Insurance?
More competitivebenefits and hiringopportunities
Cost savings
Healthier employees
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What ACA Means for Employers
1. Decrease cost of healthinsurance coverage
2. New opportunities to purchase
health insurance3. Greater insurance coverage
protection
4. Levels the playing field
5. Healthier Employees
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Learn More At
http://www.tribalhealthcare.org http://www.HealthCare.gov
http://www.IHS.gov
http://www.tribalhealthcare.org/http://www.healthcare.gov/http://www.ihs.gov/http://www.ihs.gov/http://www.healthcare.gov/http://www.tribalhealthcare.org/ -
7/31/2019 NIHOE ACA PPT_Tribal Small Business Series IV
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National Indian Health Outreach & Education(NIHOE) Initiative
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NIHOE National Partners
* With generous support from the Indian Health Service
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13 NIHOE Area Coordinators
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National Congress of American Indians
Terra Branson- Legislative [email protected]
mailto:[email protected]:[email protected]