Transcript United Way and the Affordable Care Act
The Bottom Line: What you need to know…
• •
Connecting children and families to coverage is completely aligned with our mission There’s a good chance you could raise money to do it
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May 1, 2020
The Bottom Line: What you need to know…
• ObamaCare is the law of the land and it’s not going anywhere • Connecting Americans to coverage is completely aligned with our mission • Insurance companies understand that the better the law works, the more money they will make • United Ways and 211s have incredible reach to the uninsured, reach that no other organizations have • United Ways and 211s should monetize our outreach and education efforts AND GET PAID TO DO THIS WORK!
• Figure out how broad your reach is, and shop it around – insurance companies and foundations will be very interested to know how you reach people and how many you can reach, and help us give them new customers
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May 1, 2020
If you’re to remember anything from this preso…
All insurance plans will have to cover
doctor visits, hospitalizations, maternity care, emergency room case, and prescriptions
.
You might be able to get
financial help
to pay for a health insurance plan.
If you have a
pre-existing condition
, insurance plans cannot deny you coverage.
All insurance plans will have to show the costs and what is covered in
simple language with no fine print.
Agenda
• Brief Overview of the Affordable Care Act • Outreach and Enrollment for the new Health Benefits Marketplaces – Consumer Assistance • Marketing – the Messaging that Resonates with Consumers • Advocacy for the Full Funding of Medicaid
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May 1, 2020
6 The Patient Protection and Affordable Care Act of 2010
• Passed by Congress and signed by President Obama in March 2010 • 32 million Americans could gain coverage through an expansion of Medicaid to cover families earning 133% of the Federal Poverty Line (FPL) • Graduated scale of premium subsidies for those between 134 and 400% of FPL • Health Benefit Exchanges at the state level or by the federal government expected to cover roughly 16 million more Americans • Private health insurance reforms, such as: • No pre-existing conditions or lifetime caps • Free prevention screenings • Coverage for children on parents’ plans up until the age of 26
Who Can Be Navigators?
• • • • Community and consumer-focused non profit groups (like United Ways and 211s!!) • • Trade, industry and professional associations • Ranching, fishing and farming entities Chambers of commerce • Partners of the Small Business Administration Unions Licensed insurance agents and brokers Other entities capable of carrying out the required duties
Navigators assist with five things… 1. Public education campaigns 2. Medicaid and CHIP eligibility and Advanced Premium Tax Credits 3. Enrollment process 4. Referrals 5. Language and culture 8
May 1, 2020
SHOP Marketplace for Employers
• Purchasing pool to increase buying power and reduce administrative costs • Small businesses with fewer than 100 workers eligible • Those businesses with fewer than 50 are not required to provide health insurance
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May 1, 2020
The 2014 Enrollment Opportunity
Enroll
more than
16 million people in new coverage options } 9 million in Exchange coverage
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Source: July 2012 CBO estimates
} 7 million in Medicaid or CHIP
Enrollment isn’t a snap…
Take-up in optional public benefit programs Percent of Eligible People Enrolled Program
Children’s Medicaid/CHIP, national average, 2009 Medicare low-income subsidy, 2009* Unemployment benefits Earned income tax credit SNAP (food stamps) 84.8% 40% 72-83% 80-86% 54-71% * Does not include populations automatically enrolled in the low-income subsidy.
13 Where are the Uninsured ?
Two-thirds
of the uninsured live in
twelve states
• • • • • • • • • • • •
Arizona California Florida Georgia Illinois Michigan New Jersey New York North Carolina Ohio Pennsylvania Texas
Demographic Profile of the Uninsured (Nonelderly Adults, Ages 18-64) Race/Ethnicity
White (non-Hispanic) Black (non-Hispanic) Hispanic Asian/Pacific Islander American Indian/Alaska Native Two or More Races
Percent of Uninsured
45% 15% 32% 5% 1%
Uninsured Rate
13% 21% 32% 18% 27% 2% 15% 47 % 53 % 62% Live in Families with at least One Full Time Worker
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Source: Kaiser Commission on Medicaid and the Uninsured, October 2012
Limited Public Awareness
83 % The majority of uninsured Americans who may be Medicaid eligible don’t know the health reform law will help them.
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75 % Three out of four of the newly eligible want in person assistance to learn about and enroll in coverage.
Enroll America Research, November 2012
Help, I Need Somebody!
What Kind?
• Figuring out if they qualify for financial help (55%) • Finding the best plan for them (52%)
From Whom?
• Someone from your state whose job it is to help people with these new options (45%) • Family member (37%), your doctor or nurse (36%), someone from a health insurance company (35%) • Which family member? Spouse (42%) or mom (20%)
How?
• In-person (75%), telephone (33%), email (20%), online chat (9%)
Where?
• Insurance agent or broker’s office (29%), family member or friend’s home (27%), clinic or doctor’s office (22%), Medicaid office (21%).
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18 Building an Effective Campaign
Paid advertising on TV, radio, online, and in print media Grassroots field efforts Constituency Earned media events and Activities in communities to magnify messaging Paid advertising on TV, radio online, and in print media engagement Creative use of social media Education & engagement through partner entities with direct reach to target populations National and local surrogates Data, Analytics, Micro targeting Strategic Partner ships Enrollment assistance by trusted community sources
Research Design 19
• Fielded in
October
•
1,800 adults
, oversamples of uninsured, low-income, Latinos, African Americans, young adults • Explore by target group motivations to enroll, barriers, trusted messengers, communications methods, awareness and attitudes toward ACA •
November 13-18 in Philadelphia, Columbus, San Antonio, and Miami
• Groups include Latinos (English- and Spanish speaking), African Americans, young adults, parents (low and moderate income), childless adults (low and moderate income) • Test branding and messages
20 Segmentation Unnecessary & Uninterested – 24%
• Skeptical Young Men
Reluctant, but Reachable – 21%
• Young, Diverse Families
Connected, Low-Income Women – 11%
• Medicaid, CHIP, SNAP connection
Desperate & Believing – 13%
• Sick, Poor, Least Educated
Insured & At-Risk – 11%
• Young, Under 250% FPL
For many, looking for health coverage is a negative experience.
If you had to look for health insurance now, what feelings do you think you would have?
How they want to feel is
confident, informed, secure, satisfied, and in control
.
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Key Findings Almost all (91%) necessary
or believe health insurance is
very important.
Cost and
affordability
are the biggest barriers.
Financial
motivators.
&
health security
are the biggest Deep
skepticism
&
confusion
among consumers.
Four Key Facts to Reach Most Uninsured
All insurance plans will have to cover
doctor visits, hospitalizations, maternity care, emergency room case, and prescriptions
.
You might be able to get
financial help
to pay for a health insurance plan.
If you have a
pre-existing condition
, insurance plans cannot deny you coverage.
All insurance plans will have to show the costs and what is covered in
simple language with no fine print.
Targeting Messages Financial Security & Peace of Mind
• The leading perceived benefit of coverage across populations
Prevention Protection from Financial Ruin or Injury Access To Care Low cost or free health insurance coverage
• A key message for women • Resonated most with men and young adults in some states • Resonated with African Americans, Latinos, and Medicaid eligible • Key message for low income, Medicaid eligible
An Action Plan for Organizations
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1. Identify the leading partners in your state or area (you don’t have to be the expert!) 2.
Recognize everyone’s role in outreach 3. Create an outreach and public education plan 4. Disseminate information 5. Follow up, follow up, follow up!
Collaboration is the name of the game!
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1.
2.
3.
4.
5.
How are you currently partnering with organizations to discuss enrollment?
What are you currently doing in regards to current program outreach activities and planning for future health coverage outreach efforts?
What tools / resources have you used in the past and what are you currently using?
Have you leveraged your workplace giving campaigns to inform contributors of opportunities in the community?
Describe coalitions that you currently participate in that have a health as a focus. Successes? Unlikely partners?
What are the three things I can do?
1. Talk to your friends and family about Open Enrollment 2013/2014 and the new options that will be available to them 2. Get informed and prepared to handle the call volume and health insurance questions that are coming 3. Stay tuned to www.enrollamerica.org and www.healthcare.gov for more information
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May 1, 2020
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May 1, 2020
State and/or Local United Ways Advocating for Medicaid Maximization 1: Yes, we are absolutely advocating for Medicaid Maximization in our state!
Alaska California Colorado Illinois Iowa Florida Michigan Nevada South Carolina Tennessee
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May 1, 2020
State and/or Local United Ways Advocating for Medicaid Maximization 2: Yes, but we are working behind the scenes.
Arizona Georgia Indiana Louisiana Maine Montana Ohio Washington
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May 1, 2020
State and/or Local United Ways Advocating for Medicaid Maximization 3: We are not quite sure – we’re still feeling it out.
Alabama Arkansas Maryland New Jersey North Carolina Pennsylvania Rhode Island Texas Utah Wisconsin
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May 1, 2020
United Way Advocacy on Medicaid 4: No, we do not plan to advocate on this issue at this time.
District of Columbia Minnesota New York NB: The political leadership of these jurisdictions are fully supportive of accepting Medicaid money. Advocacy on this front is not necessary.
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May 1, 2020
Key Medicaid Messaging
• DON’T CALL IT MEDICAID EXPANSION!
• Accepting Medicaid money • Strengthening Medicaid • Serving everyone eligible for Medicaid • Maximizing Medicaid • Families care about their health and financial security. Medicaid is a pocket-book issue • A close look at the calculus shows that Medicaid is good for state budgets and economies • Kids can’t learn if they’re not healthy. Education outcomes are dependent upon Health Access
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May 1, 2020
Key Medicaid Messaging
Expanding Medicaid is a good deal for our state. It’s a smart/small investment that saves dollars and is good for our bottom line.
• Use state-level data/research when possible that shows potential savings outweigh the costs • It will ensure health dollars are spent more effectively by reducing uncompensated-care costs for hospitals and clinics that currently serve people without insurance • It will bring millions in federal funding into the state. Let’s bring back our tax dollars to pay for our state’s priorities • Republican Governors on Medicaid Maximization: http://www.youtube.com/watch?v=4WOqxDOjCOs
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May 1, 2020
Key Medicaid Messaging
Failure to maximize Medicaid will have negative consequences for local hospitals: • Many of our state’s hospitals rely on Medicaid dollars to provide essential services and equipment, such as state-of-the-art NICUs and professional development training to doctors and nurses • Without Medicaid, hospitals will be forced to absorb all the costs for treating the uninsured – causing some hospitals, especially those in rural areas, to close • Hospitals are essential to keeping our communities healthy and they are also economic engines. Accepting Medicaid money helps keep them strong.
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May 1, 2020
If you’re to remember anything from this preso…
All insurance plans will have to cover
doctor visits, hospitalizations, maternity care, emergency room case, and prescriptions
.
You might be able to get
financial help
to pay for a health insurance plan.
If you have a
pre-existing condition
, insurance plans cannot deny you coverage.
All insurance plans will have to show the costs and what is covered in
simple language with no fine print.