well
az
THE ARIZONA REPUBLIC
A SPECIAL PUBLICATION CREATED BY REPUBLIC MEDIA CUSTOM PUBLISHING
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HEALTHCARE NEWS YOU CAN USE FOR YOUR WHOLE FAMILY
Vol. 33, No. 9
September 2013
IN THIS ISSUE:
COVER/08/09: AFFORDABLE CARE ACT 02: HOME HEALTHCARE 03: OVARIAN CANCER 04: ADOLESCENT SUICIDE 05: PROJECT LIFESAVER 05: DENTAL CLINIC FOR COMPLEX MEDICAL CONDITIONS 05: GROCERY SHOPPING FOR THE HOMEBOUND 06: SUPPORT GROUPS/EVENTS 07: SUPPORT GROUPS/INFO ONLINE 08: ACA: WHO CAN PARTICIPATE; LEVELS OF COVERAGE; CALCULATING COSTS 09: ACA: SUBSIDIES & PENALTIES; QUESTIONS TO ASK; ENROLL AMERICA
HEALTH INSURANCE MARKETPLACE
WHO CAN PARTICIPATE
Understanding the
Affordable Care Act
HEALTHCARE News
101
ENROLL AMERICA
Chart your course
Get help navigating the Health Insurance Marketplace
LEVELS OF COVERAGE
BY DEBRA GELBART
Navigator or CAC? “Most people who seek help with navigating the Marketplace will talk with a Certified Application Counselor,” explained Allen Gjersvig, the director of healthcare innovation for AACHC. The Navigators are mostly organizations, he said, but there are a small number of individual people trained to be Navigators who receive extensive training in cultural competency and making referrals to appropriate consumer agencies related to insurance. The CACs, who likely number in the hundreds, receive training mostly in helping people navigate the Marketplace and will be found at community health centers, hospitals and many communitybased groups, he said. There is no charge to talk with a Navigator or CAC.
How and where to get help To find a community health center near you, visit aachc.org and click on “Search for a Health Center” under Health Centers. Or, you can call the Arizona Alliance for Community Health Centers at 602-253-0090. For a complete directory of Navigators in Arizona, visit CoverAZ.org, or call the Health Insurance Marketplace at 800-318-2596. The Marketplace representative may also be able to tell you about the three other Arizona Navigator grantees. They are: The Greater Phoenix Urban League, awarded $523,773; the Arizona Board of Regents, awarded $190,268 to administer the grant through the Center for Rural Health at The University of Arizona in Tucson; and Campesinos Sin Fronteras, Inc., an agency serving farm-workers and low-income Hispanics, awarded $71,386.
By The Numbers
SEPTEMBER IS PROSTATE CANCER AWARENESS MONTH • About 1 man in 6 will be diagnosed with prostate cancer during his lifetime* • See page 6 of this issue of Living Well for free screening and support group information * Source: American Cancer Society; cancer.org —PAULA HUBBS COHEN
QUESTIONS TO ASK
CALCULATING COSTS
SUBSIDIES AND PENALTIES
Getting ready for the
Affordable
Care Act
Sign-up for the Health Insurance Marketplace starts Oct. 1 BY DEBRA GELBART
T
here are numerous details surrounding and related to the Affordable Care Act, or ACA. We asked local experts to help us provide readers with a broad overview of what’s changing and where to get more information.
Health Insurance Marketplace
“The individual Marketplace will look a bit like Expedia [a travel-planning website], where you’ll be able to see all different plans offered by different insurance companies and the pricing of each plan online in one place,” Stelnik said. “[However], unlike planning a vacation, the decision consumers need to make here is more important and longer-lasting, so it’s very important to educate yourself about the benefits included in each plan.”
The Open Enrollment period for what’s known as the Health Insurance Marketplace (often referred to as the “Insurance Exchanges”) begins Oct. 1, 2013 and runs through March 31, 2014. An important part of the ACA, the Marketplace allows those who want Continued on pages 8–9 AFFORDABLE CARE ACT individual or family health INSIDE: insurance coverage to select a • Who can participate plan and sign up for coverage. • Levels of coverage Actual coverage for the plan • Calculating costs you select can begin as early • Subsidies and penalties as Jan. 1, 2014, as long as you • Questions to ask enroll by Dec. 15, 2013. After • Enroll America that, to be covered by the first of the next month, you must enroll by the 15th of the current month. For example, in order to be covered by Feb. 1, 2014, you must enroll by Jan. 15, 2014. (Source: healthcare.gov) Employees of companies that already offer health insurance probably won’t need to visit the Marketplace. These folks will continue to select their health insurance during their employers’ Open Enrollment periods, although employees may have fewer options as a way to rein in costs, explained Jeff Stelnik, senior vice president at Blue Cross Blue Jeff Stelnik, senior vice president at Blue Cross Blue Shield of Arizona, is gearing up for the major shift in Shield of Arizona. laws regarding health insurance.
DID YOU KNOW:
In order to be eligible for a federal premium subsidy (explained on page 9 of this issue of Living Well), you must purchase health insurance through the Marketplace.
TIMELINE OCTOBER 1, 2013 Open enrollment begins
JANUARY 1, 2014 Coverage begins
MARCH 31, 2014
Open enrollment for 2014 closes
RICK D’ELIA
Thanks to $67 million in grants from the U.S. Department of Health and Human Services, you’ll be able to get help from local Certified Application Counselors (CACs) who are part of the federal Navigator program, designed to help people who have questions about the new Health Insurance Marketplace. Four organizations in Arizona received grants to operate the Navigator program locally. The largest grant recipient is the Arizona Alliance for Community Health Centers (AACHC), recognized by its official name — the Arizona Alliance of Community Health Centers — in the grant documentation. As the fiscal agent for the grant, AACHC will receive $1.3 million to disburse to a variety of statewide community groups to train Navigators and recruit CACs.