The Affordable Healthcare Act- Powerpoint

7/27/2019 The Affordable Healthcare Act- Powerpoint

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THE AFFORDABLE HEALTHCARE ACT:

- also known as -

ObamaCare

Information contained in this presentation was compiled from the following resources:www.whitehouse.gov/healthcare

www.wh.gov/healthcare

7-Oct-13 Philippi Church of Christ Disciples of Christ 1
http://www.whitehouse.gov/healthcarehttp://www.whitehouse.gov/healthcarehttp://www.wh.gov/healthcarehttp://www.wh.gov/healthcarehttp://www.whitehouse.gov/healthcare


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President Obamas Vision:

1. That all Americans have healthcare

insurance coverage.

2. That individuals and/or their

families will no longer be shut out

from receiving healthcare benefits

regardless of race, income levels orprevious illnesses.

3. That Providers will be held

accountable for fraudulent billing,

which drives up the cost of health

insurance.

4. That Emergency Rooms across the

United States will no longer be

used as Primary Care Providers.



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What Are The Benefits Of The Affordable Healthcare Act?

- HEALTH REFORM BENEFITS FOR THE AMERICAN PEOPLE -

Lets millions of young people stay on parents insurance until age 26

Ends insurance companies power to cap amount of care a person can receive in their lifetime

Stops insurance companies from canceling coverage when someone gets sick

Lowers the cost of care for those on Medicare and helps seniors save money on their

medication

Requires insurance companies to cover service preventive services like mammograms free of

charge

Strengthens and protects Medicare by increasing penalties for fraud

Stops insurance companies from denying coverage to children with pre-existing conditions

Ends insurance companies power to jack up rates without justification

Provides Americans with rebates from insurers who spend too much on CEO bonuses or ads

Gives tax credits to small business owners so they can afford to offer quality health care for

employees

Builds and improves hundreds of community health care centers

Gives hard-working Americans tax credits so they can afford insurance beginning in 2014

Ends discrimination against adults with pre-existing conditions beginning in 2014

Prevents insurance companies from charging women more than men, and overcharging those

who need care the most beginning in 2014

Create state-based marketplaces where people can easily compare and shop for insurance

beginning in 2014



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How does the Affordable Care Act help people like me?

If you need coverage, you can use the Marketplace. If you have coverage, you gain newprotections. If you dont have coverage, you may have to pay a fee.

The Marketplace and whats changing in 2014

Whether youre uninsured, youve been denied coverage in the past, or you just want to explorenew options, the Health Insurance Marketplace will give you more choice and control over yourhealth coverage. The Marketplace will operate in all states, so no matter where you live youll haveaccess to coverage.

In the Marketplace, you can compare coverage options based on price, benefits, quality, and otherfeatures important to you. You can choose the combination of price and benefits that fits your budgetand meets your needs.

You can get lower costs on coverage:The Marketplace application will tell you if youre eligible fora new way to get lower costs on your monthly premiums or out-of-pocket costs for privateinsurance. Youll also learn if you can get free or low-cost coverage through Medicaid or the

Childrens Health Insurance Program (CHIP).

Essential health benefits are covered in the Marketplace: All plans must offer a comprehensive setofessential health benefits including doctor visits, preventive care, hospitalization, prescriptions,and more.

Pre-existing conditions will be covered:Plans wont be able to deny you coverage or charge youmore due to pre-existing health conditions, including a pregnancy or disability.

https://www.healthcare.gov/what-is-the-marketplace-in-my-statehttps://www.healthcare.gov/what-is-the-marketplace-in-my-statehttps://www.healthcare.gov/will-i-qualify-to-save-on-monthly-premiumshttps://www.healthcare.gov/will-i-qualify-to-save-on-monthly-premiumshttps://www.healthcare.gov/will-i-qualify-to-save-on-monthly-premiumshttps://www.healthcare.gov/will-i-qualify-to-save-on-out-of-pocket-costshttps://www.healthcare.gov/will-i-qualify-to-save-on-monthly-premiumshttps://www.healthcare.gov/will-i-qualify-to-save-on-out-of-pocket-costshttps://www.healthcare.gov/do-i-qualify-for-medicaidhttps://www.healthcare.gov/do-i-qualify-for-medicaidhttps://www.healthcare.gov/do-i-qualify-for-medicaidhttps://www.healthcare.gov/are-my-children-eligible-for-chiphttps://www.healthcare.gov/are-my-children-eligible-for-chiphttps://www.healthcare.gov/what-does-marketplace-health-insurance-cover/https://www.healthcare.gov/what-does-marketplace-health-insurance-cover/https://www.healthcare.gov/what-if-i-have-a-pre-existing-health-conditionhttps://www.healthcare.gov/what-if-i-have-a-pre-existing-health-conditionhttps://www.healthcare.gov/what-if-i-have-a-pre-existing-health-conditionhttps://www.healthcare.gov/what-if-i-have-a-pre-existing-health-conditionhttps://www.healthcare.gov/what-if-i-have-a-pre-existing-health-conditionhttps://www.healthcare.gov/what-if-i-have-a-pre-existing-health-conditionhttps://www.healthcare.gov/what-if-i-have-a-pre-existing-health-conditionhttps://www.healthcare.gov/what-does-marketplace-health-insurance-cover/https://www.healthcare.gov/are-my-children-eligible-for-chiphttps://www.healthcare.gov/are-my-children-eligible-for-chiphttps://www.healthcare.gov/do-i-qualify-for-medicaidhttps://www.healthcare.gov/will-i-qualify-to-save-on-out-of-pocket-costshttps://www.healthcare.gov/will-i-qualify-to-save-on-out-of-pocket-costshttps://www.healthcare.gov/will-i-qualify-to-save-on-out-of-pocket-costshttps://www.healthcare.gov/will-i-qualify-to-save-on-out-of-pocket-costshttps://www.healthcare.gov/will-i-qualify-to-save-on-out-of-pocket-costshttps://www.healthcare.gov/will-i-qualify-to-save-on-monthly-premiumshttps://www.healthcare.gov/what-is-the-marketplace-in-my-state


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How does the Affordable Care Act help people like me?

- Continued -

You can get help in your area: If you need help finding a plan, several kinds ofhelp will be

available to give you personalized assistance with the process.

Fees begin:

Beginning 2014, most people are required to have health

coverage. If they dont, they may have to pay a fee. Open enrollment for Marketplace plans begins October 1,

2013. Coverage begins as early as January 1, 2014. Find outhow you can get ready now.

Rights & Protections

The health care law offers new rights, consumer protections,and benefits like free preventive care.

Read our quick guide to find out how the health care lawprotects you.

https://www.healthcare.gov/help-centerhttps://www.healthcare.gov/what-if-someone-doesnt-have-health-coverage-in-2014https://www.healthcare.gov/what-if-someone-doesnt-have-health-coverage-in-2014https://www.healthcare.gov/how-can-i-get-ready-to-enroll-in-the-marketplacehttps://www.healthcare.gov/how-can-i-get-ready-to-enroll-in-the-marketplacehttps://www.healthcare.gov/how-can-i-get-ready-to-enroll-in-the-marketplacehttps://www.healthcare.gov/how-can-i-get-ready-to-enroll-in-the-marketplacehttps://www.healthcare.gov/how-can-i-get-ready-to-enroll-in-the-marketplacehttps://www.healthcare.gov/how-does-the-health-care-law-protect-mehttps://www.healthcare.gov/how-does-the-health-care-law-protect-mehttps://www.healthcare.gov/how-does-the-health-care-law-protect-mehttps://www.healthcare.gov/how-does-the-health-care-law-protect-mehttps://www.healthcare.gov/how-can-i-get-ready-to-enroll-in-the-marketplacehttps://www.healthcare.gov/how-can-i-get-ready-to-enroll-in-the-marketplacehttps://www.healthcare.gov/what-if-someone-doesnt-have-health-coverage-in-2014https://www.healthcare.gov/help-center


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What if I have a pre-existing health condition?

Starting in 2014, health insurance plans can't refuse to cover

you or charge you more just because you have a pre-existinghealth condition.

Being sick doesn't keep you from getting coverage:

Starting in 2014, being sick won't keep you from gettinghealth coverage. An insurance company can't turn you downor charge you more because of your condition.

Once you have insurance, it can't refuse to cover treatmentfor pre-existing conditions. Coverage for your pre-existing

conditions begins immediately.

This is true even if you have been turned down or refusedcoverage due to a pre-existing condition in the past.



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What if I have a pre-existing health condition?- Continued -

One exception: Grandfathered individual health insurance plans:

The only exception is for grandfatheredindividual health insurance plans--the kind you buyyourself, not through an employer. They do not have to cover pre-existing conditions.

If you have one of these plans you can switch to a Marketplace plan during open enrollment andimmediately get coverage for your pre-existing conditions.

Be sure not to miss open enrollment

You can apply for Health Insurance Marketplace insurance when open enrollment starts on October1, 2013. Coverage starts as soon as January 1, 2014.

Open enrollment ends on March 31, 2014: Outside of open enrollment, you can'tenroll in Marketplace coverage unless you have a qualifying life event.

Pre-existing conditions with Medicaid and CHIP

Medicaid and the Children's Health Insurance Program(CHIP) also can't refuse to cover you orcharge you more because of a health condition.

Questions? Call 1-800-318-2596, 24 hours a day, 7 days a week. (TTY: 1-855-889-4325)

https://www.healthcare.gov/glossary/grandfathered-health-planhttps://www.healthcare.gov/glossary/qualifying-life-eventhttps://www.healthcare.gov/glossary/qualifying-life-eventhttps://www.healthcare.gov/glossary/qualifying-life-eventhttps://www.healthcare.gov/do-i-qualify-for-medicaidhttps://www.healthcare.gov/are-my-children-eligible-for-chiphttps://www.healthcare.gov/are-my-children-eligible-for-chiphttps://www.healthcare.gov/do-i-qualify-for-medicaidhttps://www.healthcare.gov/glossary/qualifying-life-eventhttps://www.healthcare.gov/glossary/grandfathered-health-plan


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How Do I Enroll In The Affordable Healthcare Plan?

In The Health Insurance Marketplace

How do I know if I qualify?

Eligibility is based on income and family size

You can even apply if you have no income

Even if you already have insurance you may be able

to lower your premiums



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What is the Health Insurance Marketplace?

The Marketplace is a new way to find health coverage that fits your budget andmeets your needs. With one application, you can see all your options and enroll.

What you'll learn when you apply in the Health Insurance Marketplace

When you use the Health Insurance Marketplace, you'll fill out an application and see all ofthe health plans available in your area. You'll find out if you can get lower costs on yourmonthly premiums for private insurance plans. You'll learn if you qualify for lower out-of-pocket costs.

The Marketplace will also tell you if you qualify for free or low-cost coverage availablethrough Medicaid or the Children's Health Insurance Program (CHIP).

The Health Insurance Marketplace is sometimes known as the health insurance "exchange."

Apply online, by mail, or in-person

You can apply for Marketplace coverage three ways: online, by mail, or in-person with thehelp ofa Navigator or other qualified helper. Telephone help and online chat will be available24/7 to help you complete your application.

Open enrollment starts October 1, 2013. Plans and prices will be available then. Coveragestarts as soon as January 1, 2014.

Compare options in the Health Insurance Marketplace

Insurance plans in the Marketplace are offered by private companies, and they cover thesame core set of benefits called essential health benefits. No plan can turn you away orcharge you more because you have an illness or medical condition. They must covertreatments for these conditions. Plans can't charge women more than men for the sameplan.

https://www.healthcare.gov/how-can-i-save-money-on-marketplace-coveragehttps://www.healthcare.gov/how-can-i-save-money-on-marketplace-coveragehttps://www.healthcare.gov/how-can-i-save-money-on-marketplace-coveragehttps://www.healthcare.gov/will-i-qualify-to-save-on-out-of-pocket-costshttps://www.healthcare.gov/how-can-i-save-money-on-marketplace-coveragehttps://www.healthcare.gov/will-i-qualify-to-save-on-out-of-pocket-costshttps://www.healthcare.gov/will-i-qualify-to-save-on-out-of-pocket-costshttps://www.healthcare.gov/do-i-qualify-for-medicaidhttps://www.healthcare.gov/are-my-children-eligible-for-chiphttps://www.healthcare.gov/do-i-qualify-for-medicaidhttps://www.healthcare.gov/are-my-children-eligible-for-chiphttps://www.healthcare.gov/help-centerhttps://www.healthcare.gov/help-centerhttps://www.healthcare.gov/what-does-marketplace-health-insurance-coverhttps://www.healthcare.gov/what-does-marketplace-health-insurance-coverhttps://www.healthcare.gov/what-does-marketplace-health-insurance-coverhttps://www.healthcare.gov/help-centerhttps://www.healthcare.gov/are-my-children-eligible-for-chiphttps://www.healthcare.gov/do-i-qualify-for-medicaidhttps://www.healthcare.gov/will-i-qualify-to-save-on-out-of-pocket-costshttps://www.healthcare.gov/will-i-qualify-to-save-on-out-of-pocket-costshttps://www.healthcare.gov/will-i-qualify-to-save-on-out-of-pocket-costshttps://www.healthcare.gov/will-i-qualify-to-save-on-out-of-pocket-costshttps://www.healthcare.gov/will-i-qualify-to-save-on-out-of-pocket-costshttps://www.healthcare.gov/how-can-i-save-money-on-marketplace-coveragehttps://www.healthcare.gov/how-can-i-save-money-on-marketplace-coverage


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Learn about the Marketplace in your stateWhile all insurance plans are offered by private companies, the Marketplace is runby either your state or the federal government .

Ifyour state runs the Marketplace, you'll get health coverage through your states website.

The Marketplace simplifies getting health coverage

The Marketplace simplifies your search for health coverage by gathering the options availablein your area in one place. You can compare plans based on price, benefits, quality, and otherfeatures important to you before you make a choice.

In the Marketplace information about prices and benefits will be written in simple language.You get a clear picture of what premiums you'd pay and what benefits and protections you'dget before you enroll. Compare plans based on what's important to you, and choose thecombination of price and coverage that fits your needs and budget.

Get State Information: State Consumer Assistance in North Carolina

The North Carolina Consumer Assistance Program is run by the Health Insurance Smart NC inthe states Department of Insurance. Health Insurance Smart NC offers regional walk-inlocations for health consumer assistance throughout the state. Staff can answer questionsabout health insurance regulations, rights, and responsibilities. They can help you file acomplaint or appeal a health plan decision. Get consumer help with a problem or question.

http://www.ncdoi.com/Smart/http://www.ncdoi.com/Smart/http://www.ncdoi.com/Smart/


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What If I Do Not Qualify For Private Insurance Through The Marketplace?

Medicaid in North Carolina

Each state has different rules about who qualifies for Medicaid. You can

find out whether you can get Medicaid in North Carolina right now. Even if

you dont qualify now, you may qualify in 2014. Starting October 1, apply

on this website or through the Marketplace to find out whether youqualify for Medicaid in North Carolina in 2014. Learn more about Medicaid

in North Carolina.

Health Insurance Marketplace in North Carolina

If you live in North Carolina, youll use this website, HealthCare.gov, to

apply for coverage, compare plans, and enroll. You can apply as early as

October 1, 2013. Learn more about the Marketplace and how you can get

ready.

http://www.ncdhhs.gov/dma/medicaid/who.htmhttp://www.ncdhhs.gov/dma/medicaid/who.htmhttps://www.healthcare.gov/how-can-i-get-ready-to-enroll-in-the-marketplacehttps://www.healthcare.gov/how-can-i-get-ready-to-enroll-in-the-marketplacehttps://www.healthcare.gov/how-can-i-get-ready-to-enroll-in-the-marketplacehttps://www.healthcare.gov/how-can-i-get-ready-to-enroll-in-the-marketplacehttp://www.ncdhhs.gov/dma/medicaid/who.htmhttp://www.ncdhhs.gov/dma/medicaid/who.htm


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Whats Next?

Open enrollment Begins October 1, 2013 Enrollment ends March 31, 2014

Contact a local Enrollment Specialist

Caution: Enrollment Specialists must be a licensed

agent in the State of North Carolina in order to enroll

you in a Health Insurance plan

Find an enrollment site. Check with local churches,

community centers, etc. There are penalties if you do not enroll in or have a

health insurance plan (Exclusions apply).



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Resources

Information contained in this presentation was compiled from the following resources:

www.whitehouse.gov/healthcare

www.wh.gov/healthreform



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Contact Information:Provided By:

Philippi Church of Christ Disciples of Christ

3760 Philippi DriveGreenville, North Carolina 27834

(252) 752-7205

Under the Leadership & Guidance of:

Bishop Randy B. Royal, Pastor

- In Collaboration With -

The Affordable Healthcare Subcommittee:

Sis. Rena F. Bunns-Battle, Chairperson

Elder Aida Taylor, Co-Chairperson

Bishop Randy B. Royal

Pastor Eve Rogers

Pastor Sydney Locks

Bishop Farries C. Slade, Sr.

Pastor Daniel House

For Further Information, please contact:

Sis. Rena F. Bunns-Battle or Elder Aida Taylor at (252) 752-7205


Documents

The Affordable Healthcare Act- Powerpoint