NY State of Health extends enrollment deadline for January 1 coverage!

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New Yorkers have five more days to enroll in January 1 coverage! On Friday, the NY State of Health extended the Dec 15 enrollment deadline to December 20 for coverage that begins January 1.

Remember that this deadline only applies to coverage that begins January 1. New Yorkers can still enroll in NY State of Health coverage beginning in February or March up until February 15, 2015 – by January 15 for coverage starting February 1, and by February 15 for coverage starting March 1. New Yorkers can enroll online, by phone, and get in-person help to enroll from an enrollment assistor.

It’s looking like another good year for affordable, quality health insurance thanks to the ACA. Nearly 155,000 New Yorkers have newly enrolled in coverage through the Marketplace since the start of open enrollment on November 15 . That’s in addition to the many who are renewing last year’s coverage. You can find stories from New Yorkers who enrolled last year in our recently released story booklet: The ACA is Working: New Yorkers Tell Their Stories.

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“The Affordable Care Act gave me a chance and ended my six year nightmare of living without health insurance. It was way more simple and affordable than people think.”

-Karen E., Ulster County

The Affordable Care Act is working in New York, according to HCFANY’s new publication, The ACA is Working: New Yorkers Tell Their Stories.

The new publication shares stories from New Yorkers like Karen, a single mother from Ulster County, who was finally able to get affordable health coverage for her family after being uninsured for six years, thanks to federal subsidies. Ben, from Broome county got covered thanks to the ACA’s Medicaid Expansion and enrolled in the same plan as his son. And Engracia got help from a local Navigator to enroll in a plan that saves her $4,500 a year.

The ACA is Working: New Yorkers Tell Their Stories features twelve consumer stories and quotes from New Yorkers in all regions of the State who enrolled in private Qualified Health Plans, Medicaid, Child Health Plus, and small business plans, all through the NY State of Health Marketplace during the first Open Enrollment period. Many got help to enroll from Navigators, who offer free, unbiased, in-person enrollment help. The stories are paired with key statistics and facts about how the ACA is working for New York – and most importantly, New Yorkers.

View HCFANY’s full press release here.

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Outreach Worker Engracia Jamieson and Volunteer Jan Kenyon at Great Day in Harlem  (above) and   RWV-NY Community Organizer Liza Lederer (right) at Brooklyn Pride

This coming Labor Day Weekend marks the unofficial end of summer, and it’s been a busy one for health coverage advocates and volunteers! Here’s an update from the field from the Get Covered NY Campaign, a grassroots effort to raise awareness about the new insurance options available through NY State of Health, and help NYC residents get covered. Get Covered NY is a project of Health Care For All New York, Greater NYC for Change, and Raising Women’s Voices – NY.

Guest Post by Aliza Lederer-Plaskett, Community Organizer for Raising Women’s Voices-NY

Raising Women’s Voices and our partners in the Get Covered NY initiative are wrapping up a busy summer of outreach to uninsured New Yorkers. We have tabled and leafleted at a wide variety of events in low-income communities in Upper Manhattan, Brooklyn and the Bronx, as well as Westchester and Rockland counties.

We’ve been to the Hunts Point Summer Fish Festival in the Bronx. We’ve reached out to LGBT people by tabling at Pride Festivals in Harlem, Brooklyn, the Bronx, Rockland County and lower Manhattan. We’ve been to book fairs, Harlem Week and back-to-school events where we can reach families with children who may be eligible for Child Health Plus. In Westchester and Rockland Counties, we have done outreach at cultural festivals and presentations on the Affordable Care Act and NY State of Health for members and staff of local nonprofit organizations.

Our dedicated and trained Get Covered New York volunteers have been taking clipboards and handouts around the events, interacting with attendees and taking down the names of people who would like to be contacted by a Navigator to begin the application process. Through this hands-on approach, we have collected more than 900 names of uninsured and underinsured individuals throughout July and August.

As we speak with uninsured people in the field and collect their information, we have noted who has experienced a major life change – which may qualify them for a special open enrollment period. We also flag people who we think might qualify for Medicaid, for which there is year-round enrollment. We then forward their contact information directly to a Navigator at the Community Service Society.  Other uninsured individuals are entered into the Get Covered NY database, to be called by volunteers at phone banks that will start up again as the November 15 start of the next open enrollment period draws closer.

We have begun to pack our September and October schedule chock full of community events to ensure that we can reach as many people as possible prior to the start of the new enrollment period.  Got an event you’d like to see us at?  Interested in becoming a volunteer? Please contact Liza Lederer at liza@raisingwomensvoices.net and we’ll get you set up to help get New York covered!

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Navigator Leon McIntosh helps New Yorker Anna enroll

We all know finding the right health insurance plan can be complicated and overwhelming – even with the launch of the insurance marketplaces offering one-stop shopping under the ACA. One of the most exciting features of the ACA is the establishment of assister programs to help people enroll (e.g. Navigators and Certified Application Counselors). A new survey from Kaiser Family Foundation shows just how effective these groups were during the first open enrollment period.

According to the survey, administered to directors of assister programs around the country:

28,000 assisters helped 10.6 million people apply for coverage and financial assistance.

States with State-based Marketplaces, like New York, had a much higher ratio of assisters to uninsured and helped two times as many people relative to the uninsured population when compared to states with a Federally-facilitated Marketplace. Our own NY State of Health‘s recent enrollment report shows that 643 Navigators and nearly 4,000 Certified Application Counselors helped over 413,000 New Yorkers enroll in coverage. That’s nearly half of enrollees.

Most consumers who sought help applying for coverage were uninsured and had limited health insurance literacy.

The vast majority of programs reported that consumers seeking help had a limited understanding of the ACA and struggled with basic health insurance terms, like “deductible.” As a result, assistance took time – between one to two hours in most cases.

Nearly all assister programs have been “re-contacted” by consumers with post-enrollment problems, including questions about how coverage works.

Questions from consumers don’t stop at enrollment. However, assister programs are not trained on post-enrollment issues, and in many cases don’t have funding that allows them to provide this type of assistance. Instead, the ACA established Consumer Assistance Programs (CAPs) to provide these services, but these programs haven’t received federal funding since 2012. Luckily, New York legislators recently approved $2.5 million in the 2014-2015 budget for the State’s CAP, Community Health Advocates (CHA). Thanks to the funding, CHA will be able to provide more robust hotline and in-person services through community-based organizations in the coming months.