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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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Health Insurance Marketplace Help
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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Health Insurance Marketplace Help
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.
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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
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SHOP
Website:www.healthcare.gov
Help Center: 1-800-318-2596 for employees1-800-706-7893 for employers
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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
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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
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Official Resources
marketplace.cms.gov Applications Informational Documents Widgets
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Official Resources
productordering.cms.hhs.gov Centers for Medicare and Medicaid Services Product Or
dering Website
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Other Resources
INSPIRE – inspire.in.gov Affordable Care Act resources Health databases
MedlinePlus Health Source: Consumer Edition
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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
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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
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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
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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
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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.
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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.
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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
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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]