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In case you missed last week’s event…

March 28, 2013 HCFANY NYC Briefing

Panel (from left): Joanne Bailey, NYC Office of Citywide Health Insurance Access (OCHIA), Sara Rothstein, NYS Health Benefit Exchange, Martine Apodaca, Enroll America, Lois Uttley, Raising Women’s Voices, Dr. Jaime Torres, U.S. Department of Health and Human Services

Thanks to everyone who came to last week’s HCFANY briefing in NYC –  was a great success and we ended up with a turnout of over 130 people.

Many attendees have been asking for copies of the presentations and materials we had available at the meeting, so we are posting them up here for anyone who is interested.  Here is a quick recap:

  • Sara Rothstein, Assistant Director for Policy and Planning for the New York Health Benefit Exchange presented an update on implementation of the NYS Health Benefit Exchange including a very broad overview of the State’s outreach and marketing plan, information on the Navigator RFA.   You can view Sara’s presentation by clicking here.
  •  Martine Apodaca, Director of the Public Education Campaign for Enroll America presented a profile of the uninsured in New York and their findings on messaging around the new health insurance options based on a national survey.  You can view Martine’s presentation by clicking here.

  • Joanne Bailey, Director of Policy and Research at the New York City Office of Citywide Health Insurance Access (OCHIA) presented on the timeline for health reform implementation in the New York, including a profile of the uninsured in New York City, and the potential challenges and opportunities brought by the ACA.  You can view Joanne’s presentation by clicking here.

In addition, we had several publications and handouts available:

 

Hooray!

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While we haven’t seen all the fine print, HCFANY is delighted to report that this year’s budget deal includes important protections for New York’s health insurance consumers.  The new budget deal includes:

  • Co-premium assistance for people between 138-150% of poverty (people with children that are currently eligible for Family Health Plus ).  Those who enroll in the Exchange with Silver-level plans will pay no premiums.  This measure is NOT conditional on federal financial participation.
  • Protection for people who currently have out-of-network coverage in the individual market.  These consumers will have the option to pay for a Platinum-level plan on the Exchange with an out-of-network rider and be “risk pooled” with the rest of the State’s individual market.
  • A requirement for SDOH to create a workgroup to study whether New York should adopt a Basic Health Plan
  • Fair consumer protections on the State’s new Navigator program
  • Funding for consumer assistance for New York’s health insurance consumers through Community Health Advocates
  • Still waiting details on Medicaid budget, but it looks like most optional benefits have been saved….

A special thanks to everyone who added their names to our sign-on letter, called the Governor’s office, and worked hard to get these important consumer protections. These budget victories would not be possible without you!!!

Stay tuned for more on the budget!

 

 

Update on the NYS Health Benefit Exchange

Yesterday, the NYS Exchange hosted a webinar briefing for members of the State’s Regional Advisory Committees.  The webinar provides an update and timeline on the forthcoming health plan invitations to participate in the Exchange, and the Navigator program.

The presentation also includes a draft of the standard plan designs that will be offered on the Exchange for individual coverage so you can see the differences in the “precious metal” product tiers and cost-sharing associated with each.

Click here to view the presentation slides.

New Report Addresses Consumer Protections

Under the Affordable Care Act (ACA), millions of consumers will use state-based Health Insurance Exchanges to enroll in coverage—an estimated 1 million will enroll in NY’s Exchange alone.  Adopting a robust system of consumer protections will be pivotal to the success of these Exchanges.

A new report from the Community Service Society of NY, featured in today’s Crain’s Health Pulse, uses the enrollment experiences of two example families to identify how a user-friendly Exchange should work. These scenarios reveal the problem that consumers potentially face three dueling appeals as their eligibility for premium tax credits and Medicaid is processed by an Exchange:  (1) a state-based Exchange appeal; (2) a Medicaid Fair Hearing; and (3) a federal appeal under Section 1441 of the ACA.

The report makes a series of recommendations that will reduce the need for appeals in the first place by building strong upfront consumer protections in the Exchange and concludes with recommendations for designing a streamlined appeals mechanism.

It is unclear how the appeals process will be decided for New York. The first proposed Exchange regulations from the U.S. Department of Health and Human Services (HHS) told state Exchanges to design their own appeals processes. In the final regulations, HHS said THEY would be issuing appeals guidance instead. To date, no guidance on appeals has been issued. And so we wait…

ACA takes the mystery out of shopping for insurance

Consumers seeking health coverage are often in the dark about how different plans work, what they cover, and what out-of-pocket costs will be incurred.  Current plan members may find themselves in a similar situation, resulting in surprise bills due to a lack of understanding of their plan’s benefits. A new Affordable Care Act (ACA) provision, which went into effect September 23, aims to alleviate this problem.

As of September 23, 2012, health insurance plans must provide consumers with a Summary of Benefits and Coverage (SBC) and a Uniform Glossary. These documents must be provided at the time of application, at the time of renewal of coverage, and upon request.  The documents are consumer-friendly, and are meant to assist consumers in making informed decisions when seeking and using coverage.

The SBC is standardized; each plan uses the same template, so that consumers can compare and contrast options when shopping for coverage.  The template is a chart that informs consumers of covered benefits, what costs apply when services are received in-network or out-of-network, and any limitations or exceptions to coverage.  The template includes examples to illustrate how the plan’s coverage functions.  It also contains some basic information on rights to continued coverage, appeal rights, and language access.

The Uniform Glossary educates consumers about health plan jargon. It defines and explains terms such as “deductible,” “balance billing,” and “appeal.”  It uses a diagram to illustrate how the consumer will share costs with the plan in light of the deductible, coinsurance, and out-of-pocket limit.

An SBC and Uniform Glossary must be issued for both employer-based and individual plans. Non-English speakers can request the SBC and the Uniform Glossary in languages other then English.

You can find links to a sample SBC and the Uniform Glossary here.

You can find SBC templates and the glossary in languages other than English here.

Some carriers post the SBC online. Here’s an example.

Exchange Stakeholder Meeting Puts Spotlight on Health Disparities

Guest Blogger: Bob Cohen, Esq.; Policy Director, Citizen Action of New York

  • A primary care physician failed to find a woman’s breast lump, because the physician always examined her as she sat in her wheelchair.
  • Nineteen percent of physicians questioned in a 2007 study reported that they were uncomfortable treating LGBT patients.
  • Black New Yorkers have a much higher mortality rate than other groups of New Yorkers, while Hispanic adults have the highest rates of asthma of any group of New Yorkers.

As the four expert panelists at a September 7th Stakeholder Meeting sponsored by the New York State Health Benefit Exchange explained, people of color, women, people with disabilities and other traditionally underserved groups often receive an inferior quality of care from the health system, sometimes resulting in poorer health outcomes.  The Stakeholder Meeting was designed to begin a public discussion on the problem of health disparities and how to address it through the exchange.

The agenda and some of the powerpoint presentations from the meeting are available here.

If you missed the meeting, you can watch a webcast here.

The presentations by the diverse group of panelists had two complementary themes:

  • Health care exchanges can begin to address health disparities by enrolling more residents and targeting enrollment efforts to key constituencies like people of color and immigrants.   Data indicates that the lack of health insurance is a major reason for health disparities.  It follows that if the state enrolls over one million additional New Yorkers through the Exchange as projected and targets its enrollment efforts to traditionally underserved groups, one result will be better health outcomes for all New Yorkers, particularly members of traditionally underserved groups.
  • However, added enrollment, while extremely important, is not enough.  According to the panelists, many factors play a role in discouraging people of color, gays and lesbians, the disabled and members of other traditionally underserved groups from seeking care or receiving quality care. These factors include, among many others: a lack of understanding by doctors and other providers of their particular needs, long wait times for appointments with doctors and other providers, lack of cultural competence or language access, and lack of availability of doctors and other health professionals at times when working people can go to appointments.

Starting in 2014, the Exchange will present an enormous opportunity for New York to address the needs of these groups and to reduce health disparities.  HCFANY has proposed that the Exchange consider a number of steps, including: targeted enrollment; collecting and analyzing data on health disparities; outreach, Navigators, and consumer assistance program that uses community-based organizations to reach underserved communities;   and cultural competency training.

Participants at the Stakeholder meeting had plenty of feedback for the Exchange – so much so that the time for comment ran out before the comments did. To allow consumers to continue the conversation, the Exchange has asked stakeholders to submit written comments addressing three questions:

1. The insurance exchange will have a number of consumer assistance features that will enable consumers to choose a health plan that works for them. These features include a call center/hotline, website portal, and navigators and other consumer assistors. To ensure that hard to reach and vulnerable populations know about, feel comfortable with, and can access these services, what are examples of consumer service functions that have been successful in other settings? What made them successful?

2. The Exchange will review network adequacy, including the availability of Essential Community Providers, of insurance plans.  What are some of the best practices to ensure that hard to reach and vulnerable populations have access to health services such as primary care, vision and dental care?

3. Data collection is an important tool for documenting health disparities on a population level.  What are best practices on data collection (at the insurance plan level) to reduce disparities? What kinds of data should be collected, from whom should it be collected, and how should it be reported?  Are there best practices on translating data into practice? If consumers are sensitive to providing personal data, how can this be addressed?

If you would like to submit comments on these questions, you can do so through the page with the meeting webcast.  To view the meeting or to submit a comment, click on “Click here to play” under Health Benefit Exchange Stakeholder Meeting heading. Once the meeting site is accessed, comments can be submitted by selecting the “Participate” tab.

HCFANY will be submitting comments on these issues and more, and asking the Exchange to establish an ongoing process to identify and implement ways that the Exchange can increase health equity for all New Yorkers.

We want to hear from you!

Now that the celebrations are winding down from last months Supreme Court decision to uphold the health reform law (see above video), it’s time to get down to the nitty-gritty of ACA implementation.

New York has pretty much been moving full steam ahead for the past year or so [you can always check and see what the State is up to by going to the State health reform implementation website: http://www.healthcarereform.ny.gov/].  This means that if you have any kind of opinion on what you want health reform to look like in New York, particularly with the new Health Insurance Exchange, NOW is the time to speak up!

HCFANY is helping to get the preferences and opinions of everyday New Yorkers to the policymakers who are working on these issues through a statewide “listening tour” that was launched earlier this month.  To do this, HCFANY advocates will be going out around the state and surveying folks on the different aspects of health reform implementation.  These surveys will be done both one-on-one and in a group setting.  To find out more about any listening tour events in your area, please contact Mark Hannay at metrohealth@igc.org.

For downstate folks in the NYC area, there are currently two events coming up next week, one in Queens and one in the Westchester-Putnam area.  For more information on how to attend either of these group events, click on the links below.

 

THE AFFORDABLE CARE ACT IS UPHELD!!!

It’s true! The decision was just handed down just a little bit ago.  The verdict? The entire law is upheld – including the individual mandate! 

It looks like there will only be one small change to the Medicaid expansion.  The ACA had originally stated that states could expand Medicaid eligibility to people up to 133% of the Federal Poverty Level, and that the federal government would basically pick up the entire cost for it, but that if they didn’t expand they could risk losing their existing funds.  The Supreme Court changed this so that states who don’t choose to expand their Medicaid eligibility won’t risk losing funding. 

Overall, this is a HUGE win for Americans, and a HUGE win for New Yorkers! And who do we have to thank? Justice Roberts! Who miraculously took a big one for the team by siding with the left-leaning justices on this.  That is one man who will be heavily toasted to (and cursed) by millions tonight.

So, what should we do with this information? Why, let’s celebrate of course!!!  Join HCFANY around this great State of New York TODAY at a series of public events for folks to speak up and celebrate this big victory!!! 

  • Albany: 3:00 PM at the Capital (State Street side). Contact Bob Cohen at bcohen@citizenactionny.org or (518) 465-4600 x104 for more info.
  • Binghamton: 4:00 PM at the Federal Building, 15 Henry Street. Contact Mary Clark at cabing@citizenactionny.org or (607) 723-0110 for more info.
  • Buffalo: 3:00 PM in the lobby of Congressman Higgins’ office, 726 Exchange Street. Contact Natalie Luczkowiak at nluczkowiak@citizenactionny.org or (716) 855-1522 x2 for more info.
  • Cortland: 5:00 PM at the U.S. Post Office, 88 Main Street. Contact Janet Steck at jsteck@twcny.rr.com or (607) 749-7016 for more info.
  • New York City: New Location! 5:30 PM (assemble at 5:15 pm) in Foley Square in lower Manhattan, across from the Federal Courthouse at the African American Burial Ground Monument (Take 4, 5, 6, J, M, N, or R trains to City Hall-Brooklyn Bridge stations). Contact Mark Hannay at metrohealth@igc.org or (917) 318-5008 for more info.
  • Syracuse: 4:00 PM at the Federal Building, 100 Clinton Street. Contact Lanika Mabrey at lmabrey@citizenactionny.org or (315) 435-2480.

We hope to see you there!!!

 

Hospital financial assistance woes make waves

Earlier this month, we covered a new report on hospital financial assistance released by the Community Service Society.  This report has been making waves since its release, so anyone who is interested in learning more on the topic now has a few more options to do so.

Elisabeth Benjamin, one of the report’s authors, recently appeared on Democracy Now! with one of the patient’s profiled in the New York Times article and Jessica Curtis of Community Catalyst to explain the issue a bit more.  You can check out the video above. 

Also, in case you were wondering if there had been any response from the hospitals, Ken Raske – President of the Greater NY Hospital Association – did post a letter to the editor to the NY Times in response to this report. While he doesn’t challenge the contents of the report, he does point out that, financial aid flaws aside, hospitals are an important safety net for the uninsured and many continue to lose money.   Click here to read Ken’s letter.

Jessica Curtis also covered the issue on Health Policy Hub, the Community Catalyst blog.  Click here to read Jessica’s blog post.

Lastly, the story was picked up by Modern Healthcare, which you can read by clicking here.

 

 

Just tell it to me straight, doc…

We’ve all been there.

You try and pop a wheelie to impress your girlfriend and instead fall off your bike and bust your head.  Or, perhaps you wake up in the middle of the night with a sharp pain in your side and a raging fever.  A dull knife and a slippery onion.  Black ice.  Sometimes, you don’t even remember what happened – only that you’ve woken up in the emergency room.

This is one of the reasons why people have insurance – to protect them from the unknown, and the crippling costs associated with it.  But, it seems that more and more that protection that insurance offers seems to be riddled with holes.  Or rather, fine print.

 The Daily News has been covering a series of stories about New Yorkers just like you and me who have been hit with unexpected medical bills, despite having full coverage insurance.  The culprit? Misinformation about who and what is considered “in-network.”  Often, even if a patient goes to a hospital that is considered in-network, the doctor who they get treated by might be not be part of that network.  Even patients who are able to call their insurance beforehand to check their benefits aren’t always given up to date information.  What’s worse – patients have no way of knowing who or what their insurance will cover until months later when the bills start to arrive.

New York’s Department of Financial Services is now working hard to crack down on this issue.  The department has opened up an ongoing inquiry to investigate these “surprise” bills and the lack of accurate information given to people by insurers and medical providers.  In short, they want to know why it’s so hard for patients who try to stay in-network to actually do so.

If you’re in this boat and are feeling like you’ve been duped – don’t lose hope.  There are still a couple of things you can do:

  • First and foremost, you can call Community Health Advocates (CHA), New York’s statewide consumer assistance program.  They can help you figure out why you’re getting medical bills and often help to get those bills resolved or reduced.  And you won’t get any extra bills – CHA works for free.  Give them a ring, toll free, at 1-888-614-5400.
  • If you think you’re insurance company is in the wrong, you can also file a complaint with the Department of Financial Services, who also has a Consumer Assistance Unit.  Click here to file a complaint.

To learn more about this issue, check out the two recent Daily News articles:

 

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