Cover oregon & Oregon’s Libraries ARIANE HOLM, COVER OREGON ROB SASSOR, METROPOLITAN GROUP
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Transcript of Cover oregon & Oregon’s Libraries ARIANE HOLM, COVER OREGON ROB SASSOR, METROPOLITAN GROUP
COVER OREGON & OREGON’S LIBRARIES
ARIANE HOLM, COVER OREGON
ROB SASSOR, METROPOLITAN GROUP
NOVEMBER 13, 2013
Cover Oregon is a new health insurance marketplace where Oregonians can choose from different health insurance carriers and plans that fit their needs and budget, and access financial help to pay for coverage.
COVER OREGON
BACKGROUND
• Created in 2011 by Oregon Legislature
• Formed as public corporation
• Key piece of Affordable Care Act
• Custom-built for Oregonians
• Dec. 15: Deadline to enroll in coverage for plan to start Jan. 1, 2014
• Jan. 1, 2014: Coverage for individual plans begins
• March 31, 2014: Open enrollment ends for private plans.
TIMELINE
ACA CHANGES• Can’t be denied for pre-
existing condition
• Essential health benefits
• Financial help
• Medicaid expansion
• Requirement to have insurance
• Health insurance marketplaces (exchanges)
• Carriers must spend 80% of premiums on care
Mental/behavioral health
ESSENTIAL HEALTH BENEFITS
Hospitalizations Ambulatory services
Maternity/newborn care
Emergency services
Prescription drugs
Laboratory services
Rehabilitative/habilitative services & devices
Pediatric vision care
Prevention/wellness
PLANS THROUGH COVER OREGON
PLAN CHOICE
Number of plans in individual market: 102
Number of plans in small group market: 73
Number of HSA-qualified plans: 24
INDIVIDUAL PRIVATE PLAN INSURERS
formerly ODS
PUBLIC MEDICAL PROGRAMS
SMALL EMPLOYER PRIVATE PLAN INSURERS
formerly ODS
DENTAL INSURERS
INDIVIDUALS AND FAMILIES
INDIVIDUALS AND FAMILIES• Financial help
• Clear information and price transparency
• Side-by-side comparisons
• One-stop shopping
• Quality coverage and grades
• Help enrolling
• HSA-eligible plans
ELIGIBILITY FOR FINANCIAL HELP
HOW TO TAKE THE TAX CREDIT
• If you qualify for a tax credit, you can choose to receive it monthly or annually
• Monthly: Choose to take the maximum tax credit each month, or just take part of it
• Advantage: Lower your health care premium each month
• Annually: Choose the minimum monthly tax credit ($0)
• Advantage: Lower the amount you pay--or increase your refund--at tax time
INFORMED DECISIONS ABOUT PREMIUMS VS. COPAYS
HOW TO APPLY
WHERE TO FIND APPLICATION
• Visit home page of CoverOregon.com
• Call 1-855-CoverOR to request an application
• Find a community partner or agent on CoverOregon.com to help you fill out an application
• Go to any Department of Human Services office in the state
HOW TO APPLY
“FAST TRACK” ENROLLMENT
• For families pre-screened as newly eligible for OHP based on SNAP applications or kids enrolled in Healthy Kids
• More than 260,000 Oregonians received letter from OHP/Healthy Kids letting them know they’re eligible
• If you received a notice, you just need to fill out and sign the form and send back
• Once they send back the form, they’ll get coverage starting Jan. 1, 2014!
• More than 70,000 Oregonians have already signed up!
• More info at: http://www.oregon.gov/oha/healthplan/pages/fast-track.aspx
HOW TO CHOOSE A PLAN• Search by:
• Geography
• Price
• Provider
• Quality rating (12 metrics first year)
• Carrier
• Plan type (e.g., HMO, PPO)
• Deductible
• Out-of-pocket maximum
• Metal tier (bronze, silver, gold, platinum)
HOME PAGE
FINDING AGENTS/COMMUNITY PARTNERS
BROWSE PLANS
SMALL BUSINESSES
SMALL BUSINESSES
• Choice
• Clear information
• Set contribution
• Quality coverage
• Streamlined administration
• Access to tax credits
• Premium only Plan Section 125 documents
PROVIDING INFORMATION FOR YOUR COMMUNITY
• Brochures
• Fact sheets
• Posters
• Print materials available in: English
Simplified and Traditional Chinese
Japanese
Korean
Russian
Spanish
Vietnamese
A custom version for tribal members
• Text for social media posts and newsletter articles
AVAILABLE TOOLS
• Order print materials at CoverOregonStore.com
• Download fact sheets and other resources: resources.coveroregon.com/fact-sheets.html
• Download Cover Oregon’s “Toolkit for Community Partners” for social media posts and newsletter: coveroregon.groupsite.com (see “Cover Oregon Branded Materials” in the “File Cabinet”)
HOW TO ACCESS OUR TOOLS
1. Download and order materials, and display them at your library
2. Organize a book display to promote health literacy
3. Include content about Cover Oregon in your e-newsletters, website, social media sites and other communications
4. Set CoverOregon.com as the home screen on public computers
5. Start today and continue sharing information through March 31, 2014 when open enrollment ends
HOW YOU CAN HELP
CONNECT WITH US
Sign up for email alerts at CoverOregon.com
@CoverOregon Facebook.com/CoverOregon
www.LinkedIn.com (search “Cover Oregon”)
www.Plus.Google.com (search “Cover Oregon”)
CoverOregon.com
www.YouTube.com/CoverOregonVideo
CoverOregon.com