making health care reform work for us in new york state: from national legislation to statewide...
TRANSCRIPT
![Page 1: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/1.jpg)
Making Health Care Reform Work for Us in New York State:
From National Legislationto Statewide Implementation
New York Association on Independent LivingOctober 5, 2010Heidi Siegfried, Coordinator
New Yorkers for Accessible Health Coverage646-442-4147 * [email protected]
1
![Page 2: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/2.jpg)
Basic Take-Aways• The new health care reform law is a major, historic step forward• The current status quo was NOT an option over the long-term.
• Approximately 2 million of New York’s 2.8 million uninsured will get health coverage.
• Even so, we still have more to do to get to true universal health care across America and here in New York, so there is continued work ahead.
• Goal: All residents of our state, regardless of their financial situation or immigration status, will have comprehensive insurance coverage that’s affordable-to-buy and affordable-to-use.
• Goal: All residents of our state, regardless of their financial situation or immigration status, will also have places to go receive the high-quality , affordable services from culturally-competent health care professionals.
2
![Page 3: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/3.jpg)
THE NEW LAW ITSELF:The Patient Protection and
Affordable Care Act(PPACA)
3
![Page 4: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/4.jpg)
PPACA Overview
Three broad areas of focus:• Insurance coverage reform• Delivery system reform• Financing-related provisions
4
![Page 5: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/5.jpg)
I. Insurance coverage reforms:
• Private insurance market• Employer-based plans• Public programs
5
![Page 6: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/6.jpg)
A. Private insurancemarket reforms:
• Overall insurance rules and regulations
• Individual/family coverage mandates
• New “Health Insurance Exchanges”
6
![Page 7: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/7.jpg)
Insurance rules and regulations:Coverage basics
• Elimination of pre-existing condition exclusions• Currently allowed in NY for first year
• Elimination of annual and lifetime coverage limits• Elimination of “rescissions” (retroactive
cancellations of coverage based on claims experience, for fraud only, Ian’s law)
• Young adult dependents – can remain on parents’ plan thru age 26; NY law already allows some to stay on through age 29
7
![Page 8: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/8.jpg)
Insurance rules and regulations:Policyholder benefits
• Standardized “essential benefit package” – comparable to “typical employer plan”(as determined by HHS – updated annually); minimum actuarial value of 60%
• No out-of-pocket costs for preventive care• Limits on annual deductibles for small group
plans ($2K indivs./$4K families)• State-based consumer counseling and ombuds
programs re: how to sign-up & how to use – to be offered to individuals/families and small groups
8
![Page 9: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/9.jpg)
Insurance rules and regulations:Cost Regulation
• Limits on premium variations – only allowed based on age (3:1) [NY law does not allow this], geography, family size, and tobacco use (1.5:1)
• Required “medical-loss ratios” (amount of premium income to be spent on claims – 85% (large groups); 80% (individuals/families, small groups) [the latter is 82% in NY]
• Premium rate increase review procedures established – encouraged at state level; federal govt. back-up process; plans with “excessive increases” can be removed from Exchanges
9
![Page 10: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/10.jpg)
Insurance rules and regulations:Business operations
• Regulation of marketing practices• Standardized eligibility and enrollment
procedures• Standardized claims forms and payment
processing• Standardization of appeals processes (both
internal and external) for denials of coverage for a particular service
10
![Page 11: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/11.jpg)
Individual/ family “mandates”
• Only if:not eligible for a public programnot offered employer coverage• Tax penalty for non-compliance:ramp up from 2014-16Top rates: $695/$2,085 (individuals/families),
or 2.5% income, whichever is greater
11
![Page 12: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/12.jpg)
Individual/family mandates
• Exemptions: If premium cost is >8% incomeNon-legal immigrantsNative-AmericansIncarceratedUninsured <3 mos.Non-tax filersReligious beliefs
12
![Page 13: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/13.jpg)
“Health Insurance Exchanges”
• Government-sponsored “marketplaces” to pool:
Individuals & FamiliesEmployer groups• Bulk-purchase bargaining with plans to:lower premium costslessen cost growth (over time)• State-based, with federal fall-back
13
![Page 14: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/14.jpg)
Exchanges: Who Qualifies• Individuals and families who are not eligible for
public programs or don’t have employer-sponsored coverage
• Initially available to smaller groups (<100 employees)
• Larger groups (>100 employees) eventually possible (at discretion of HHS secretary)
• Only open to citizens and legal residents• All Members of Congress and Senators and their
direct staff must use
14
![Page 15: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/15.jpg)
Exchanges: Benefit Packages
• Standard “essential benefits package” to be offered
• Cannot include abortion coverage (which must be purchased separately as a rider); states can ban abortion coverage altogether
• Differing “tiers” of plans based on “actuarial values”: bronze, silver, gold, platinum – 60%, 70%, 80%, 90%
• Lower-cost, limited-benefit “catastrophic plans” can be offered – available up to those up to age 30, and to those who are exempt from mandate
15
![Page 16: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/16.jpg)
Exchanges: Affordability Provisions
• Sliding-scale premium subsidies: For low- and moderate-income individuals and families
(up to 400% of the “Federal Poverty Level” (“FPL”) – e.g., $44K individuals/$88K family of 4)
People cannot be required to spend more than 9.5% of income on premiums
Subsidies cannot be used for abortion coverage riders• Annual sliding scale out-of-pocket limits (for
deductibles, co-pays, co-insurance) for low- and moderate-income individuals/families (up to 400% FPL)
16
![Page 17: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/17.jpg)
Exchanges: Other provisions
• Small group and individual exchanges can be merged by states• States can form regional,
geographically-contingent exchanges• Plans offered must meet standards
for provider capacity
17
![Page 18: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/18.jpg)
B. Employer-sponsored coverage reforms:
• Large groups (>50 employees)• Small groups (<50 employees)• Special program for age groups:
Young adultsEarly retirees
18
![Page 19: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/19.jpg)
Employer Coverage: Large Groups
• If >200 employees: mandate to provide coverage to all workers if providing coverage
• Penalties incurred if no coverage offered and if any employee(s) gets premium subsidies via new insurance Exchanges
• Employees may opt out of employer plan to new insurance Exchange in certain circumstances; vouchers available if <400% FPL
• Eventual access to Exchanges if/when allowed by HHS secretary
19
![Page 20: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/20.jpg)
Employer Coverage: Small Groups• Tax credits to assist purchasing coverage: start in 2010 ramps-up by 2014 in amount (initially <35%, then to
50%) eligibility and amount depends on employer size
(initially <10 employees), and average wage base (initially < $25K/yr., excluding principals/owners)
Overall, smaller and lower-wage businesses get better deals
Slightly lower tax credit rates for non-profits• Coverage offered via Exchanges starting in 2014
20
![Page 21: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/21.jpg)
Employer Coverage: Special Age Groups
• Targets: cohorts with high rates of uninsurance• Young adult dependent coverage
(age 19-26) can stay on parents’ plan• Early retirees (age 55-64) –
temporary re-insurance program for high-cost claims (up to 2014)
21
![Page 22: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/22.jpg)
C. Public Insurance Program Reforms
• Low(er) income individuals/families:MedicaidState Child Health Insurance Program (SCHIP)New state-based “basic health plan” option• Medicare – seniors and long-term disabled• Other options
22
![Page 23: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/23.jpg)
Medicaid: Individuals and Families
• Expanded eligibility (up to 133% FPL – ~$14K indivs. /~$29K family of 4) • Elimination of various differential categories
for eligibility based on age, family composition, pregnancy, etc.• Standardized, comprehensive benefits• Community Choice Option, 1915 (i) option,
and Balancing Incentive• No out-of-pocket costs for preventive care
23
![Page 24: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/24.jpg)
Medicaid: State Requirements
• Expansions possible as soon as 2011, but no later than 2014• Increase federal matching fund support
(“FMAP”) for states starting 2014• Streamline enrollment and re-certification
procedures• Increased reimbursement rates for primary
care to Medicare levels• “Maintenance of effort” requirement
24
![Page 25: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/25.jpg)
Child Health Insurance (SCHIP)
• mostly dealt with in Jan. 2009 via “Child Health Insurance Program Reauthorization Act”• Reauthorization extended via PPACA
from 2014 to 2019 (additional 5 yrs.)• Funded extended via PPACA from
2014 through 2015 (additional 2 yrs.)
25
![Page 26: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/26.jpg)
State-based “basic health plan” option
• Can be offered by states to individuals and families between 133%-200% FPL (~$14K-$22K indivs./~$29-$44K family of 4)
• An alternative to private coverage through Exchanges
• States get 95% of premium subsidies that would have otherwise gone to qualifying individuals and families
• Medicaid benefit package• No co-pays for preventive services
26
![Page 27: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/27.jpg)
Medicare: Improvements
• Eliminate Part D coverage gap (“donut hole”) over 10 years• $250 rebate in 2010 once Part D coverage gap is reached• 50% discount on brand-name drugs in Part D coverage
gap (starts in 2011); includes biologics• Lowering of “catastrophic coverage” eligibility level for
Part D (over 10 years)• Elimination out-of-pocket costs for preventive care and
annual physical• Freeze sliding-scale Part B premium levels
27
![Page 28: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/28.jpg)
Medicare: Program Improvements
• Expand and streamline eligibility for Medicare Savings Plans that help lower-income beneficiaries with their out-of-pocket costs and Part B premiums • Raise reimbursement rates for primary care• Eliminate over-payments to private
“Medicare Advantage” plans• Improve long-term financing of Part A Trust
Fund for an additional decade
28
![Page 29: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/29.jpg)
Other Public Program Options• Temporary high-risk pools – funding offered to states – fed govt. to
offer fall-back program• Two new national plans via Office of Personnel Management
offered through state exchanges; one must be non-profit• Creation of non-profit co-op plans incentivized – can be national,
multi-state, statewide, or regional• New, voluntary long-term care insurance program (“Community
Living Assistance Services and Supports” aka “CLASS”); financed via payroll deductions – employees must opt-out; provides $50-$75/day for personal care
• States allowed to apply for waivers from PPACA paradigm starting in 2017 to implement alternative schemes, if they meet set criteria
29
![Page 30: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/30.jpg)
II. Delivery System Reform• Goals – to improve:AccessQualityEfficiencyCost control
• Reforms leveraged via:Public programs: Medicare and Medicaid Insurance regulationsPooling via Exchanges
30
![Page 31: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/31.jpg)
Delivery System Reform: Areas of Focus
• Expanded access to services• Quality Improvement• Public health• Wellness• Workforce development• Reimbursement reforms
31
![Page 32: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/32.jpg)
Expanded Access: Where to get care
• Various expansions of primary, preventive, and home/community-based services
• Doubling of funding for community health centers and the National Health Service Corps
• Expanded funding for school-based health services
• New “patient-centered medical homes”, “accountable care organizations” and “community-based collaborative care networks”
32
![Page 33: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/33.jpg)
Expanded Access: Other Reforms
• Bonus payments to primary care providers to practice in medically-underserved areas
• Non-profit hospitals to offer expanded free/discounted care to uninsured and under-insured patients
• A whole variety of new initiatives to address various health care disparities
33
![Page 34: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/34.jpg)
Quality Improvement• Disease management and chronic care
coordination programs for patients with serious and multiple medical conditions
• New programs to expand and improve trauma and emergency care services
• Comparative effectiveness research• State-based pilot programs in medical
malpractice reform• New Federal Coordination of Health Care Office”
to focus on “dual-eligibles” (people on both Medicare and Medicaid)
34
![Page 35: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/35.jpg)
Wellness• Technical assistance to employers for wellness
programs• Grants to small employer groups to establish
wellness programs• Allow employers to offer premium discounts to
employees participating in wellness programs• State-based pilot wellness programs for
individual markets• Disclosure of nutritional information by fast-food
chains and vending machines
35
![Page 36: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/36.jpg)
III. Financing PPACA Reforms• Public program cost savings (over the long term)
via Medicare and Medicaid (see above) – as compared to current projections
• New taxes:Medicare payrollUnearned incomeExcise tax on comprehensive employer plans“Special interests” taxes• Tax deduction limitations• Penalties for coverage mandate non-compliance
36
![Page 37: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/37.jpg)
PPACA Tax Measures• Increased Medicare payroll taxes (0.9%) on upper-
income earners ($200K indivs./$250K joint-filers)• New 3.8% tax on unearned income for same • Excise tax on “top-of-the-line” employer plans (2018): $10,200 for individuals/$27,500 for families (annual
premiums) Higher thresholds for early retirees, high-risk
professions 40% tax only on value above these levels Dental and vision benefits excluded from threshold
calculations
37
![Page 38: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/38.jpg)
PPACA Tax Measures (cont’d)
• New taxes on pharmaceutical and medical device manufacturers, health insurance companies, and indoor tanning services
• Elimination of tax deduction for employers who receive Medicare Part D subsidies for their retiree drug benefit programs
• Limits on deductions for Health Savings Accounts, and higher penalties for unallowed withdrawls from them
• Tax penalties on employers and individuals/families who don’t comply with coverage mandates (subject to certain terms and conditions)
38
![Page 39: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/39.jpg)
Implementation: Goals
• Dual focus: national and state• GOAL: Max out and go beyond PPACA to
move to true universal health care• Monitor and weigh-in on proposed new
rules and regulations• Stakeholders to be monitored at every
step along the way (especially insurers)
39
![Page 40: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/40.jpg)
Implementation: New York
• Much of implementation will happen at the state level
• State and local lawmakers will need to be educated about PPACA requirements, options, and implications
• New laws will need to be passed at state level, and/or regulations written
• New programs will need to be created – with Gov., Legislature, Dept. of Health, State Insurance Dept., other state agencies
40
![Page 41: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/41.jpg)
Federal Implementation So Far• Denials of coverage for pre-existing conditions for children
banned• Small business tax cuts – begin in 2010; IRS has posted
materials online• Young adult dependent coverage – some insurance plans are
already offering voluntarily, and more will start as of Sept. 23, 2010, and ramp-up through start of new benefit year (Jan. 1)
• Medicare Part D prescription drug coverage gap (“donut hole”) – automatic rebate checks ($250)
• Temporary high-risk pools funding to states for uninsured people with “pre-existing conditions”
• Employer early retiree re-insurance program
41
![Page 42: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/42.jpg)
More Federal Implementation for 2010
• Consumer assistance program funding for states• Rate review funding for states• Appeals procedures• Prohibition of rescissions• “Patients’ Bill of Rights” consumer protections: Ends lifetime limits on essential benefits Limits unreasonable annual benefit caps Ends co-pays for preventive services Expands choice of primary care providers Expands access to emergency services
42
![Page 43: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/43.jpg)
Implementation: NAICNational Association of Insurance Commissioners• Charged with developing recommendations re: rate review consumer ombuds services grandfathering of current plans high-risk pools medical-loss ratios annual/lifetime limits preventive coverage pre-existing conditions adult dependent coverage Rescissions Appeals long-term care insurance• 21-member consumer advisory group established – released initial report of
recommendations in May
43
![Page 44: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/44.jpg)
New York: Implementation So Far
• Governor’s Health Care Reform Cabinet established (May 13)
• Governor appointed Health Care Reform Advisory Committee (Aug. 31) including: providers, consumers, employers, labor, local governments, insurers, policy experts
• Temporary “NY Bridge Plan” for pre-existing conditions – enrollment opened Aug. 20, and coverage begins Oct. 1st; applicants must be uninsured for 6 months prior
• Rate review funding to states – NY restored “prior approval” procedures in June
44
![Page 45: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/45.jpg)
Resources: Overall Analyses
• Kaiser Family Foundation: www.healthreform.kff.org
• Families USA: www.familiesusa.org/health-reform-central
• Community Catalyst: www.communitycatalyst.org
• Health Care for All New York: www.hcfany.org
45
![Page 46: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/46.jpg)
Resources: Constituency-Specific
• AARP: www.aarp.org/health• Consumers’ Union: www.consumersunion.org/health• Faithful Reform in Health Care:
www.faithfulreform.org • Medicare Rights Center: www.medicarerights.org • Raising Women’s Voices:
www.raisingwomensvoices.net • Small Business Majority:
www.smallbusinessmajority.org • Young Invincibles: www.younginvincibles.org
46
![Page 47: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/47.jpg)
Resources: Government
• White House: www.healthreform.gov• Congress:
http://energyandcommerce.house.govhttp://finance.senate.gov/issue
• National Association of Insurance Commissioners: www.naic.org/index_health_reform_section.htm
47
![Page 48: Making Health Care Reform Work for Us in New York State: From National Legislation to Statewide Implementation New York Association on Independent Living](https://reader031.vdocuments.site/reader031/viewer/2022032203/56649dd45503460f94acc893/html5/thumbnails/48.jpg)
Thanks for hanging in there!
48