Learn how to qualify for extra help, about the Affordable Care Act, and much more....we hold events at public libraries in Columbus OH and Atlanta GA....

1. ON TARGET
Healthcare Insurance101
“Everything You Should Know About Medicare”
By CIOS2011.org

2. ONTARGET
Community Insurance Outreach Services
C.I.O.S. is an non-for profit organization providing
insurance related services and support to the metro
Youngstown area. Our mission is to bridge the gap
between insurance companies, consumers, and local
government by providing education and resources.
C.I.O.S. address the need for educating consumers and
employers to better understand their insurance
needs, assist the insurance industry with risk
management, and provide employment
opportunities within the insurance markets.

3. ONTARGET
C.I.O.S.
Community Insurance Outreach Services
Non-profit organization Services
Education
Employment
Support
Community based programs
designed & operated by the
community it serves
Insurance industry sponsored
initiative
Outreach partnerships with other
non-profits
Services based on community
needs which provide superior
satisfaction
Ohio...Let’s Start Here
!!!

4. ONTARGET
Parent Plan Dependent 26 Year Old
Healthcare
Access to Preventative Services and NO Lifetime Limits
Pre-existing Condition Insurance Plans
Coordination of Care
Secure Medicare Trust Fund
Partnership for Patients
The Affordable Care Act ACA (Healthcare Reform)

5. ONTARGET
Medicare
Everything You Need to Know…….
Getting Ready for Open Enrollment
October 15th 2012-December 7th 2012

6. ONTARGET
QUICK FACTS
AEP- Annual Enrollment Periods
October 15th 2011- December 7th 2011
• You can change your Medicare health or
prescription drug coverage for 2012.
Disenrollment Period
January 1st 2012- February 14th 2012
• January 1st 2012 new coverage begins if you
switched or joined a plan. New costs and
coverage changes also begin if you kept
your existing coverage.
QUICK FACTS
• NEW—Making changes to your coverage
after December 31 Between January 1–
February 14, 2011, if you’re in a Medicare
Advantage Plan, you can leave your plan
and switch to Original Medicare.
• If your Medicare Advantage Plan
includes prescription drug coverage and
you join a Medicare Prescription Drug
Plan, you will be disenrolled from your
Medicare Advantage Plan and returned
to Original Medicare.
Enrollment Periods Medicare 2012
Saturday October 15th 2011

7. ONTARGET
1-800-686-1578 MEDICARE EXPERTS
OSHIIP
Ohio Senior Health Insurance Information Program

8. ONTARGET
Medicaid
Medicaid pays for covered medical bills, dental bills, eyeglasses, and
homemakers services. Certain people covered by Medicare may qualify for
full Medicaid benefits. Other will qualify for partial Medicaid, also known as
“spend down”.

9. ONTARGET
Medicare-Medicaid Coordination
Medicare Premium Assistance Program
(MPAP
This program helps people eligible
for Medicare who have limited
income and assets get help in
paying the cost of one or more
of the following:
Medicare premium(s)
Medicare deductibles
Medicare coinsurance
Eligibility Criteria:
To qualify for MPAP, applicants must be eligible for
Medicare and meet basic requirements.
When applying for MPAP, proof of income, resources,
age or disability, citizenship (if not a U.S. citizen) and
other health insurance is required.
No face-to-face interview
with the local county
department of job and
family services is
necessary.
Medicaid for Older Adults and People
with Disabilities
Medicaid for the Aged, Blind & People with
Disabilities (ABD) Ohio Medicaid offers a span of
programs for older adults and people with
disabilities to assist with medical expenses. These
programs provide health care coverage consisting of
primary and acute-care benefit packages along with
long-term care.
To qualify for ABD Medicaid, applicants must be:
age 65 or older, or
considered legally blind, or
an individual with a disability (as classified by the
Social Security Administration), and
must meet basic requirements.
When applying for this type of Medicaid, proof of
income, resources, age or disability, citizenship (if
not a U.S. citizen) and other health insurance is
required.
A face-to-face interview with the local county
department of job and family services is also
necessary.

10. ONTARGET
Medicaid Income Eligibility 2012
2011 HHS Poverty Guidelines
Persons
in Family
48 Contiguous
States and D.C. Alaska Hawaii
1 $10,890 $13,600 $12,540
2 14,710 18,380 16,930
3 18,530 23,160 21,320
4 22,350 27,940 25,710
5 26,170 32,720 30,100
6 29,990 37,500 34,490
7 33,810 42,280 38,880
8 37,630 47,060 43,270
For each
additional
person, add
3,820 4,780 4,390
Who Qualify in
Ohio?
FPL Single Marrie
d
Resources
Single/Marrie
d
Older Adults (age
65 or older) &
Disabled People (of
any age)
64% $589 $1,011 $1,500/$2,250
Qualified Medicare
Beneficiary (QMB)
100% $867 $1,176 $4,000/$6,000
Specified Low-
Income
Medicare
Beneficiary (SLMB)
120% $1,040 $1,400 $4,000/$6,000
Qualified Individual
(QI-1)
135% $1,170 $1,575 $4,000/$6,000
Qualified Working
Disabled Individual
(QWDI)
200% $1,734 $2,334 $4,000/$6,000
SOURCE: Federal Register, Vol. 76, No. 13, January 20, 2011,
pp. 3637-3638

11. ONTARGET
“Insurance Literacy” “Claims Assistance” “Career Pathway”
Insurance Literacy Program
provides free educational
seminars on :
• Basic Insurance
• Health Insurance
• Property & Auto Insurance
• Life & Accident Insurance
• We also provide free
insurance seminars
for business
Our “Restoring the
Community” program offers
catastrophic claims
assistance and support to
local residents and business.
We provide advice and
guidance during insurance
claim process.
We act as an authorized
agent and advocate, respond
to denial letters, assist with
documentation, and refer to
local state insurance
agencies for complaints.
The “Career Pathway” program
offers career placement and
credentials in the insurance
industry.
We provide recession –proof
employment opportunities by
securing our clients with an
state insurance license with in
90 days.
Our clients are vested after 5
years of commitment and
provide training, credentialing,
support, and marketing.
Our Common Pledge… “Providing progress, stability, & dedication to
disadvantage communities across America.”

12. ONTARGET
WWW.CIOS2011.ORG
For more information and event dates visit