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Townhall meeting about the implications of ACA/Obamacare Milpitas, October 24, 2013 How the Affordable Care Act Affects You Jessica Oney, Certified Educator, Covered California Jessica Olney currently works as a Covered California Certified Educator. She has been working in the field of health outreach for the past four years with organizations such as Planned Parenthood, West County Health Centers, AmeriCorps, and the Center for Prevention and Outreach. Her work with these organizations has shaped her interest and research in health care reform and she especially enjoys being speaking one-on-one with individuals in the community about their questions and concerns about Covered California.
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Covered California
Planned Parenthood Mar Monte
VISIONImprove the Health of All Californians Access Affordable CareProvide High Quality Care
MISSIONIncrease Insured CaliforniansImprove Healthcare QualityLower CostsReduce Health DisparitiesChoice & Value
Affordable Care Act Improvements
• Guaranteed coverage• Standardized benefits• No annual limits, no denial for pre-existing
conditions• Rates are not based on your health status
Penalties• Under the ACA, if you don’t have health
insurance by March 2014:– You will be assessed a tax penalty– 2014: 1% of family income or $95 per adult,
$47.50 per child– 2015: 2% of family income or $325 per adult,
$162.50 per child– 2016 +: 2.5% of family income or $695 per adult,
$347.50 per child.
Plans Available Through Covered California
• 4 Plans Available: Bronze, Silver, Gold, Platinum• Catastrophic Plan Available to Few Participants• Enhanced Silver Plan for those Eligible for “Cost Sharing”• Premium Assistance Available Up to 400% of the Poverty
Line
Plan Benefits
Enhanced Silver Benefits
Essential Health Benefits
1. Ambulatory patient services
2. Emergency Services3. Hospitalization4. Maternity and newborn
care5. Mental health and
substance use disorder services, including behavioral health treatment
6. Prescription drugs 7. Rehabilitative services
and devices8. Laboratory services9. Preventative and
wellness services and chronic disease management
10. Pediatric services
Health Insurance That’s Affordable
• Assistance based on income• More affordable co-pay options• Zero deductible for many plans• Free preventive care• Lower out-of-pocket maximums
June Health Insurance Plans
Announced October First
Open Enrollment
March 31st Open Enrollment
Ends 2014
2013
2015+
Health Insurance Companies • Alameda Alliance
for Health• Anthem Blue Cross
of California• Blue Shield of California• Chinese Community
Health Plan• Contra Costa Health Plan• Health Net
• Kaiser Permanente• L.A. Care Health Plan• Molina Healthcare• Sharp Health Plan• Valley Health Plan• Ventura County Health
Care Plan• Western Health
Advantage
Health Coverage for Small Businesses
• Small Businesses Health Options Program (SHOP)
• Less than 50 employees• Tax Credits• Plan choice
THANK YOU
For more information you can:
• Submit an Enrollment Referral Form with a Certified Educator
• Visit www.CoveredCA.com• Call 1-888-975-1142