THE MINER
OCTOBER 30, 2013 |
1B
Health and Wellness
Washington State Health Authority consolidates information for consumers
Editor’s Note: Affordable Care Act story goals
OLYMPIA – Washington State’s Health Care Authority this week completed a yearlong project to bring together separate Internet platforms, consolidating the agency’s web pages dealing with the Washington Apple Health (Medicaid) program for low income residents. The move by the agency’s web team marks the end to a technical consolidation process that actually began with the merger of the Medicaid program and the Health Care Authority in 2011. The last four sites included several
While the website is still experiencing difficulties, The Miner’s goal here is to explain how to go about getting information about the Affordable Care Act, and health care coverage when the site is working properly. Washington and Idaho residents can either go through their state exchange sites, or the federal exchange. Health insurance is not free, unless you have little or no income. Subsidies are available based on your family’s income. The plans vary. There will still be private plans and Medicare doesn’t really change. The goal of the federal government is to have everyone covered by health insurance. The new Affordable Care Act is also impacting the private insurance market where businesses have traditionally paid for employees. How the rates and coverage will be impacted could take another year to sort out, according to industry experts. We haven’t tried to explain what the changes might be in this section.
Apply for health coverage four ways You can apply for health coverage in the federal Marketplace 4 ways: with a paper application, online, by phone, or in person with an assister. Apply with a paper application You can fill out a paper application and mail it in. You’ll find out whether you’re eligible for lower costs on private insurance, Medicaid, or the Children’s Health Insurance Program (CHIP). Once you get your eligibility notice, you can either go online to compare, choose, and enroll in a plan or contact the call center. A customer service representative will help you. If you or someone on your application are eligible for Medicaid or CHIP, a representative will contact you to enroll. To get a paper application, download the application form and instructions at www.healthcare. gov .
Apply online in 4 steps When you apply online, you’ll follow a 4-step process:
Set up an account. Start by going to the Marketplace page. First you’ll provide some basic information. Then choose a user name, password, and security questions for added protection. Fill out the online application. You’ll provide information about you and your family, like income, household members, current health coverage information, and more. This will help the Marketplace find options that meet your needs. Important: If your household files more than one tax return, call the Marketplace Call Center at 1-800318-2596 (TTY: 1-855-889-4325) before you start an application. This is a very important step. Please don’t skip it. Representatives can provide directions to make sure your application is processed correctly. Compare your options. You’ll be able to see all the options you qualify for, including private insurance plans and free and low-cost coverage through Medicaid and the Children’s Health Insurance Program (CHIP). The Marketplace will tell you if you qualify for lower costs on your monthly premiums and out-of-pocket costs on private insurance. You’ll see details on costs and benefits to help you choose a plan that’s right for you. Enroll. After you choose a plan, you can enroll online and decide
BLISS CHIROPRACTIC CENTER BONNIE BLISS, D.C. CHRISTOPHER A. THOMAS, D.C.
how you pay your premiums to your insurance company. You must pay your premium by the date the insurer provides before your coverage can begin. Coverage can begin as soon as Jan. 1, 2014. If you or a member of your family qualify for Medicaid or CHIP, a representative will contact you to enroll.
Apply by phone or with an in-person assister To apply by phone, call 1-800318-2596, 24 hours a day, 7 days a week (TTY: 1-855-889-4325). A customer service representative will work with you to complete the application and enrollment process. You can also apply with the help of an assister who can sit with you and help you fill out a paper or online application. See separate story on local help.
In all states, there are people trained and certified to help you understand your health coverage options and enroll in a federal Marketplace plan. They’re known by different names, depending on who provides the service and where they’re located.
Local help in Washington
All can provide the help you need with your application and choices:
Rural Resources
Navigators Application assisters Certified application counselors Government agencies, such as State Medicaid and Children’s Health Insurance Program (CHIP) Offices Insurance agents and brokers can also help you with your application and choices.
• Adult & Pediatric Eye Exams • Cataract Surgery • Full Service Optical Charles C. George, MD Bruce D. Bellin, MD Board Certified Ophthalmologists
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provide ongoing evaluations of medical practices for state health care purchasers (www.hca. wa.gov/bree) • Advanced Imaging Management, a predecessor to Bree that helped individual providers decide whether expensive imaging tests were recommended. (www.hca. wa.gov/aim) The consolidation created new addresses for those topics, so regular users who bookmarked those pages are advised to check the site and create new bookmarks as necessary.
Find in-person help
SANDPOINT OPTICAL
307 S. 1st Ave., Sandpoint
evidence-based programs and projects: • Health Technology Assessments, a program that uses a clinicians committee to evaluate new treatments and devices for health care purchasers in state government (www.hca.wa.gov/hta) • Prescription Drug Program, which supervises the agency’s Preferred Drug List and offers a prescription discount card for Washington residents (www.hca. wa.gov/pdp) • The Bree Collaborative, which was created by the Legislature to
New Patients Welcome
www.eyeclinicofsandpoint.com
601 State Route 20 • Newport, Washington (509) 447-2413
509-684-2569 • 800-533-6518 1-888-343-9355
COLVILLE • SPOKANE
www.wahealthplanfinder.org 1-855-WAFINDER or 1-855923-4633 customersupport@wahbexchange.org
Community Action JoDee Savage jsavage@ruralresources.org 301 Spruce St., Suite D, Newport 509-550-7049
Newport Hospital and Health Services
Patient Financial Services 714 W. Pine St., Newport 509-447-9364
Certified Medicare and Washington State Health Exchange Kevin Wright 118 S. Washington, Newport 509-447-0426 riverbend@povn.com
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