Navigating Health Care

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Lee Montana Newspapers — The Billings Gazette, The Missoulian, The Helena Independent Record, The Montana Standard and The Ravalli Republic — have compiled this report to help Montanans navigate the Affordable Care Act.

UNDERSTANDING OPTIONS

Launch of ‘marketplace’ includes education effort, plenty of unknowns By MIKE DENNISON Lee Montana Newspapers HELENA — Health clinic director Kate McIvor says she and her counterparts across the state are excited about one of the biggest health care changes in decades: Tuesday’s roll-out of the new federal health insurance “marketplace” in Montana. “We think it will mean more access to health care for more Montanans,” she said. Yet McIvor acknowledges that her clinic in Helena — and just about everyone in the health and health insurance business — have a massive job ahead of them, getting consumers and themselves up to speed on how the marketplace will work to provide affordable coverage to Montana’s uninsured. “I don’t think many people, myself included, understand it very well,” said McIvor, executive director of the Cooperative Health Clinic in Helena. “I’m glad that we’re going to get the education so that we can all talk to patients about what it is and what it means to them. “My biggest concern is that people won’t take the initiative to sign up (for insurance). If people sign up, I think it will work.” The marketplace, an Internet shopping center for health insurance policies, is a linchpin of the 2010 Affordable Care Act, the health reform law also known as “Obamacare.” The law requires nearly all Americans to have or purchase health insurance by 2014, or pay a tax penalty. Most Americans already have coverage through their job or a government program, such as Medicare. Yet some 50 million Americans are without health coverage, including about 200,000 Montanans, and many more have bare-bones insurance that may not qualify as required coverage. The marketplace is supposed to help close that gap, offering a one-stop shop for people to buy health coverage and, for many, to get a federal subsidy to help make that insurance affordable. For low-income Montanans, the subsidies could reduce the cost of an individual health insurance policy to as little as $20 a month. For those higher up the income scale, however, the cost could be a lot higher — especially for older Montanans.

ELIZA WILEY WILEY/Independent Record

Kate McIvor, executive director of the Cooperative Health Center in Helena, said the clinic’s staffers will be on the front line of educating its customers and others in the community about the new state marketplace, an Internet shopping hub where people can buy subsidized health insurance, as part of the 2010 Affordable Care Act. The marketplace launches Tuesday. Dr. Dan Harrington, dental director, examines a patient at the Cooperative Health Center in Helena, which plans to expand its facility next year, including more dental services. ELIZA WILEY/ Independent Record

Every state has its own marketplace, and they’re scheduled to open for business Tuesday, at the web address of www.healthcare.gov. Three private insurers — Blue Cross and Blue Shield of Montana, PacificSource and the new Montana Health Co-op — will be offering policies on Montana’s marketplace.

While the Affordable Care Act has been in the news constantly, polls and anecdotal evidence indicate most citizens don’t know what the marketplace is, how to use it or what it offers. To help bridge this knowledge gap, hospitals, health clinics, insurers, insurance agents, consultants, the state insurance commissioner and other

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organizations have embarked on a broad effort to help consumers become familiar with and use the marketplace. “We’re doing whatever we can to get information out in waiting rooms, in emergency rooms, and wherever we come into contact with patients,” said John Flink, vice president of government affairs for MHA, which represents the state’s hospitals. The three insurers selling polices in the marketplace have launched marketing campaigns, state Auditor and Insurance Commissioner Monica Lindeen has a website where her office answers consumer questions about the ACA launch, and hospitals big and small are training some employees to be expert “navigators,” or certified counselors who can help consumers understand the marketplace. Julie Burton, a Billings Clinic spokeswoman, said health care providers are Please see Options, Page 3


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