aca overview: connecting indiana library patrons to affordable care act resources

ACA Overview:Connecting Your Library Patrons to

Affordable Care Act Resources

Indiana State LibraryProfessional Development Office

04/11/2023Indiana State Library

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Libraries and Health

A survey was conducted in 2012 and showed that 47% of patrons retrieve health information online at libraries

An increase of 10% from 2011People realize that libraries are

excellent source of reliable health information

Patrons realize that libraries are neutral places


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Agenda

Patient Protection & Affordable Care Act (PPACA)

Health Insurance Marketplace OverviewResourcesServing our patrons & what other libraries

are doingFAQsSources for more training


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Patient Protection & Affordable Care Act

The comprehensive health care reform law was enacted in two parts:

Patient Protection and Affordable Care Act was signed into law on March 23, 2010 .

Amended by the Health Care and Education Reconciliation Act on March 30, 2010.

“Affordable Care Act” is used to refer to the final, amended version of the law


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Health Insurance Marketplace

The Marketplaceis a new way tofind healthcoverage thatfits your budgetand meets yourneeds.


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Health Insurance Marketplace

To provide qualified individuals and employers (business owners) to have access: Affordable coverage options Ability to purchase private health

insurance Access to health insurance information

Allow effective comparison of qualified health plans


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SHOP Marketplace

SHOP – Small Business Health Options Program

Fewer than 50 fulltime-equivalent employees

Find eligibility of Small Business Health Care Tax Credit

Online applications began November 1st


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Qualified Health Plans

Under the Affordable Care Act, starting in 2014, an insurance plan that is certified by the Health Insurance Marketplace:

provides essential health benefitsfollows established limits on cost-sharing meets other requirements


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Qualified Health Plans

Offered by an issuer that is certified by the state and should be in good standing

Covers the essential health benefitsOffers at least one plan – silver level or

gold level of cost sharingThe issuer agrees to charge the same

premium rate whether it is through the marketplace or outside of it


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Health Insurance Marketplace Help

Navigators Trained in an unbiased environment Adhere strongly to privacy and security

laws Completed 30-40 hours of training Ongoing trainings for updates

Took initial web-based training Required on-going training Required to be certified every year


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Navigators need to meet reporting requirementsReports include – progress, financial,

performanceShould not be compensated by issuers –

directly or indirectlyADA compliantServices are available also in Spanish


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Certified Application Counselors and Assisters Trained to educate consumers and help

complete applications Health care providers, social service

organizations etc.


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State of Indiana Navigators

Who must apply? Federally-funded

federal Navigators. Federally-designated

Certified Application Counselors.

Others who help complete insurance affordability program applications.

Some are not eligible.Federal vs. State

Navigators Need to be certified

in Indiana. Federal Navigators

are compensated by the federal government.

No compensation for Indiana Navigators.


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Marketplace in Indiana

Determine the Marketplace in your state Federal Exchange Partnership exchange – federal and state State-based exchange – taking the lead

with ACA*Eligibility of patrons depend on who is

running the Marketplace.

04/11/2023Indiana State Library 15

State |Variations of State-Federal Partnerships| Federal

Health Insurance Marketplace by Statefrom commonwealthfund.org


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Marketplace

Website:www.healthcare.gov

Help Center: 1-800-318-2596

Chat feature

https://www.healthcare.gov/


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SHOP

Website:www.healthcare.gov

Help Center: 1-800-318-2596 for employees1-800-706-7893 for employers

https://www.healthcare.gov/


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Forms of Enrollment: How to apply?

Initial Open enrollment – October 1, 2013 to March 31, 2014

Online application at healthcare.gov Highly suggested – immediate response if eligible

Paper application – mailing of forms May take some time in getting answers

Phone calls Call center’s certified personnel can enroll patrons

over the phone Person-to-person interaction

Indiana State Library 04/11/2023

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The Resources


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Finding Help

Find Local Help localhelp.healthcare.gov

Indiana Health Care Reform www.in.gov/healthcarereform

https://localhelp.healthcare.gov/

http://www.in.gov/healthcarereform/


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Official Resources

marketplace.cms.gov Applications Informational Documents Widgets

http://marketplace.cms.gov/


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Official Resources

productordering.cms.hhs.gov Centers for Medicare and Medicaid Services Product Or

dering Website

http://productordering.cms.hhs.gov/

http://productordering.cms.hhs.gov/


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Other Resources

INSPIRE – inspire.in.gov Affordable Care Act resources Health databases

MedlinePlus Health Source: Consumer Edition

http://zu8fr6nk5e.cs.serialssolutions.com/

http://www.nlm.nih.gov/medlineplus/

http://search.ebscohost.com/login.aspx?authtype=url,cookie&profile=ehost&defaultdb=hxh


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Other Resources

Health Insurance Statisticsenrollamerica.orgcountyhealthrankings.orgFederal Trade Commission ACA Fraud AlertKaiser Family Foundation – nonpartisan sitehealthreform.kff.orgThe Lawhhs.gov/healthcare/rights/law/index.html

http://www.enrollamerica.org/

http://www.countyhealthrankings.org/

http://www.ftc.gov/news-events/press-releases/2012/07/ftc-alert-scammers-out-trick-consumers-using-supreme-courts

http://healthreform.kff.org/

http://www.hhs.gov/healthcare/rights/law/index.html


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Partnerships

Indiana Navigators – Department of Insurancein.gov/healthcarereformFind Local Helplocalhelp.healthcare.govHealth Resources Services Administrationhttp://www.hrsa.gov/about/news/2013tables/

outreachandenrollment/in.htmlRural Assistance Centerhttp://www.raconline.org



https://localhelp.healthcare.gov/

http://www.hrsa.gov/about/news/2013tables/outreachandenrollment/in.html

http://www.hrsa.gov/about/news/2013tables/outreachandenrollment/in.html

http://www.raconline.org/


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Partnerships

FSSA – Indiana Family & Social Services Administration

in.gov/fssaDepartment of Insurancein.gov/idoiChambers of CommerceSHOP-related info sessionsIN Chamber of Commerce Health Care Helpli

ne

http://www.in.gov/fssa/

http://www.in.gov/fssa/

http://www.in.gov/idoi/

http://www.in.gov/idoi/

http://www.indianachamber.com/index.php/media-center/press-releases/2495-chamber-launches-health-care-helpline

http://www.indianachamber.com/index.php/media-center/press-releases/2495-chamber-launches-health-care-helpline


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ACA & Libraries


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Serving Our Patrons: Policy

1. Identify the type of exchange in your state and concentrate on the information

- healthcare.gov2. Assess your staff – how can we meet the

patrons’ needs?- Computer literacy

3. Define the role of your library- information dissemination


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Serving Our Patrons continued

4. Familiarize yourself with the available resources – nationally & locally

5. Review your library policies – cell phone, computer, printer use


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Serving Our Patrons

Nobody is expected to be an expertRemain neutralProvide relevant, current informationConnect patrons to local health

organizations, centers, agencies, etc.Make appropriate referrals


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What are other libraries doing?

ACA Resource GuidesIndianapolis Public LibraryLake County Public LibraryMonroe County Public Library

Partnerships & Programming Waukegan Public Library, Illinois Orange County Public Library, Florida Topeka and Shawnee County Public Library

http://www.imcpl.org/resources/guides/government/affordablecareact/

http://www.lcplin.org/Events/healthcare-classes.html

http://mcpl.info/geninfo/affordable-care-act-information

http://www.webjunction.org/news/webjunction/no-wrong-door-at-waukegan-public-library.html

http://libguides.ocls.info/aca

http://cjonline.com/news/local/2013-08-10/librarians-assist-those-using-health-insurance-marketplace


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FAQs

Patron: What is the Health Insurance Marketplace?

Library staff: The Marketplace is a new way to find health coverage. I can show you where to go to see all your options and enroll. In Indiana, we will use Healthcare.gov to

apply. Some other states will use their own state-wide marketplace.


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FAQs

Patron: What if I already have job-based insurance? Do I need to do this?

Library staff: If you already have insurance, you are considered covered but, if you want to change, you may be able to explore Marketplace coverage. With most job-based health insurance plans, the

employer pays a portion of the premium. If a patron chooses a Marketplace plan instead, the employer does not need to make a contribution to the premium.

FAQs

Patron: What if I’m a part-time employee without health coverage?

Library staff: I can’t tell you whether you are going to be covered but I can help you locate the application to find out your Healthcare Marketplace options. Consider looking at this application checklist and

returning to fill out the online application with the documents listed.

https://www.healthcare.gov/downloads/MarketplaceApp_Checklist_Generic.pdf


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FAQs

Patron: How do I get ready to enroll?Library staff:

These flyers will help you prepare and gather all of the information you will need in order to fill out an application in the Healthcare Marketplace. You will need to bring the following information with you to enroll:

SSN Birth dates Income information (from Pay stubs or W2s) Policy numbers for any current health insurance Information about any health insurance you or your family could get

from your jobs.

http://marketplace.cms.gov/getofficialresources/publications-and-articles/get-ready-to-enroll-in-the-marketplace.pdf


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FAQs

Patron: I’ve heard about Healthcare Marketplace scams. How do I know if something is trustworthy?

Library staff: No one should ask for personal health information. If you have any questions, don’t give out information. Keep personal and account numbers private. Don’t

release this information to companies you didn’t contact or in response to unsolicited advertisements.

Don’t give your personal health or financial information to someone who calls or comes to your home uninvited, even if they say they are from the Marketplace.


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Additional Trainings


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Trainings: Webinars

marketplace.cms.govPatient Protection and Affordable Care Act w

ebinar by ISL legal interns

WebJunction Indiana’s Health Happens in Libraries page

INSPIRE


http://www.in.gov/library/law.htm

http://www.in.gov/library/law.htm

http://www.webjunction.org/explore-topics/ehealth.html

http://www.webjunction.org/explore-topics/ehealth.html


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Training: Email Updates

CMS – marketplace.cms.govHealthcare.govWebjunction Indiana Health Happens in

Libraries Under ‘Get Involved’

National Network of Libraries of Medicine nnlm.gov

Social MediaIndiana Library Listservs



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Questions?

by Horia Varlan,Flickr Creative Commons


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Contact

Sara O’ShaNortheast Regional CoordinatorIndiana State Library Professional Development Office

(317) [email protected]