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The Health Care Law and YOU

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Alpha Phi Alpha hosted a health care seminar, here is the presentation that was used during the conversation. Find More information below: …

Alpha Phi Alpha hosted a health care seminar, here is the presentation that was used during the conversation. Find More information below:

Health Care & the Affordable Care Act: Why It Matters to You, Your Family and Your Community?

Are you covered? Now that the Affordable Care Act’s (ACA) major provisions to expand health insurance coverage are in effect, time is ticking for you to sign up for coverage---Monday, March 31, is the last day to sign up for coverage through the Health Insurance Marketplaces. People of color make up more than half of the uninsured people in the U.S.— and research shows that people of color, across the age span, face significant disparities in physical and mental health.

The ACA has the ability to create a path to better health by offering more affordable health insurance options, improving services and eliminating the usual obstacles. This webinar will provide you with an opportunity to learn about the benefits of ACA and how to enroll for health insurance before March 31st!

Speakers include:

· Dr. Jean Accius, Chair, Alpha Phi Alpha Public Policy Committee

· Dr. Rahn Kennedy Bailey M.D., Professor of Psychiatry, Meharry Medical College and Immediate Past President of the National Medical Association

· Marlon Marshall, Special Assistant to the President of the United States and Principal Deputy Director of Public Engagement

· Tamia Booker, Office of Intergovernmental and External Affairs, U.S. Department of Health and Human Services

Published in: Health & Medicine
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Transcript

  • 1. The Health Care Law and
  • 2. • Insurance companies could take advantage of you and discriminate against the 129 million Americans with pre-existing conditions. • Premiums had more than doubled over the last decade, while insurance company profits were soaring. • More than 41 million eligible Americans were uninsured, tens of millions more were underinsured, and those that had coverage were often afraid of losing it. The Problem
  • 3. In March 2010, President Obama signed into law the Affordable Care Act. The Health Care Law
  • 4. • Protection from the worst insurance company abuses • Makes health care more affordable • Better access to care • Stronger Medicare What the Law Means for You: 4 Things to Know
  • 5. • African Americans suffer from higher rates of a range of illnesses as compared to the general population • African Americans have the highest mortality rate of any racial and ethnic group for all cancers combined and for most major cancers individually, including stomach, liver, prostate, and colon cancers Reasons Why You Need to Get Covered
  • 6. • African Americans adults are twice as likely to be diagnosed with Diabetes • Six in ten uninsured African Americans (4.2 million) may be eligible for premium tax credits in the Marketplace (2.2 million) or Medicaid or the Children’s Health Insurance Program (CHIP) (2.0 million). • More than 500,000 young African American adults ages 19 to 26, 230,000 of whom are women Reasons Why You Need to Get Covered
  • 7. It is now illegal for insurance companies to: • Deny coverage to children because of a pre-existing condition like asthma and diabetes. • Put a lifetime cap on how much care they will pay for if you get sick. • Cancel your coverage when you get sick by finding a mistake on your paperwork. • And more… The Law Stops Insurance Companies from Taking Advantage of You
  • 8. These abuses used to be legal: “Low Health Insurance Caps Leave Patients Stranded” -- USA Today “Newborn Denied Health Insurance Coverage Days After Life Saving Heart Surgery” -- ABC News “WellPoint Routinely Targets Breast Cancer Victims for Rescission” -- The Huffington Post Now they are banned for good.
  • 9. BEFORE, insurance companies spent as much as 40 cents of every premium dollar on overhead, marketing, and CEO salaries. TODAY, we have the new 80/20 rule: insurance companies must spend at least 80 cents of your premium dollar on your health care or improvements to care. If they don’t, they must repay the money. The Law Makes Health Care More Affordable 60% / 40% 80% / 20%
  • 10. BEFORE, insurance companies could raise your premiums by double digits without justification. TODAY, insurance companies must publicly justify their actions if they want to raise premiums by 10 percent or more. And states have more power to block them. The Law Makes Health Care More Affordable
  • 11. The Law Makes Health Care More Affordable “Anthem Withdraws Rate Increases” -- San Francisco Chronicle “Blue Shield Cancels Insurance Rate Increase” -- Los Angeles Times “Connecticut Rejects Insurance Rate Increase” -- The New York Times
  • 12. BEFORE, small businesses paid an average of 18 percent more for health insurance than large companies. TODAY, small businesses can get tax credits to help pay for coverage for their employees. “In 2010, we paid close to $11,000 for employees’ health insurance. The tax credit cut our costs by over $2,000. For a small business struggling to keep health coverage, that makes all the difference. We were actually considering dropping our insurance, but the tax credit tipped the balance and helped us maintain coverage.” --Matt H. in Montana The Law Makes Health Care More Affordable
  • 13. Young adults under the age of 26 can now stay on their parents’ health plans. “I honestly don’t know what we would have done…. There was no way we could have afforded it. I might not be here right now.” --Kylie L., 23, in Illinois, who credits the health care law for enabling a life-saving heart transplant The Law Increases Your Access to Affordable Care
  • 14.  Cancer screenings such as mammograms & colonoscopies  Vaccinations such as flu, mumps & measles  Blood pressure screening  Cholesterol screening  Tobacco cessation counseling and interventions  Birth control  Depression screening  And more… Visit www.healthcare.gov/prevention for a full list. The Law Increases Your Access to Affordable Care In many cases, you can get preventive services for free:
  • 15. The Law Increases Your Access to Affordable Care There are thousands of new doctors and nurses in communities around the country and millions more patients getting care.
  • 16. So no matter your circumstances… If you start a new business, change jobs, move to another state, or retire early… You’ll have access to affordable health insurance.
  • 17. • Increased funding available to more than 1,100 community health centers will increase the number of patients served. One of every five patients at a health center is African American. The health care workforce will be more diverse due to a near tripling of the National Health Service Corps. • 7.3 million African Americans with private insurance now have access to expanded preventive services with no cost sharing. This includes services such as colonoscopy screening for colon cancer, Pap smears and mammograms for women, well-child visits, and flu shots for all children and adults. Benefits of the ACA
  • 18. • Apply online – Visit healthcare.gov to get started. • Apply by phone – Call 1-800-318-2596 to apply for a health insurance plan and enroll over the phone. (TTY: 1-855-889-4325) • Apply in person – Visit a trained counselor in your community to get information and apply in person. Find help in your area at LocalHelp.HealthCare.gov • Apply by mail – Complete a paper application and mail it in. You can download the paper application form and instructions from HealthCare.gov. 4 Ways to Apply for Coverage on the Health Insurance Marketplace
  • 19. Health Insurance Marketplace 1016/20/13 – Navigators – Other trained enrollment assisters • Local community health centers, libraries, hospitals and other locations in local communities • Localhelp.healthcare.gov – Agents and brokers 4 Ways to Apply for Coverage on the Health Insurance Marketplace 19  In person help will be available to help prepare electronic and paper applications to establish eligibility and to enroll in coverage through the Marketplace
  • 20. • Protection from the worst insurance company abuses • Makes health care more affordable • Better access to care • Stronger Medicare 4 Things to Remember About the Law
  • 21. • Affordable Care Act website – www.healthcare.gov • Materials – marketplace.cms.gov • In Person assistance - localhelp.healthcare.gov Healthcare Resources
  • 22. Thank you! Marlon Marshall Special Assistant to the President and Principle Deputy Director of the White House Office of Public Engagement Tamia Booker Director of Special Population Outreach Office of the Secretary U.S. Department of Health & Human Services Tamia.Booker@hhs.gov Questions?

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