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Affordable Care Act Overview. Session 1 Presented by Tokie Moriel & John Tvedt. What is ACA?. The Affordable Care Act (ACA) Comprehensive reforms that: Improve access to affordable health Protect consumers. ACA Key Facts. Stronger Consumer Rights and Protections
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Affordable Care ActOverview Session 1 Presented by Tokie Moriel & John Tvedt DHS/DFO/IMTA/2013-07-15
What is ACA? • The Affordable Care Act (ACA) • Comprehensive reforms that: • Improve access to affordable health • Protect consumers DHS/DFO/IMTA/2013-07-15
ACA Key Facts • Stronger Consumer Rights and Protections • More Affordable Coverage • Better Access To Care • Stronger Medicare DHS/DFO/IMTA/2013-07-15
Consumer Rights & Protections • End to Pre-Existing Condition Discrimination • End to Limits on Care • End to Coverage Cancellations DHS/DFO/IMTA/2013-07-15
More Affordable Coverage • Value for Your Premium Dollar • Stopping Unreasonable Rate Increases • Small Business Tax Credits DHS/DFO/IMTA/2013-07-15
Better Access to Care • Free Prevention Benefits • Coverage for Young Adults • Coverage for Americans with Pre-Existing Conditions • Affordable Insurance DHS/DFO/IMTA/2013-07-15
Strengthening Medicare • Lower Cost Prescription Drugs • Free Preventive Services • Fighting Fraud • Providing Choices while Lowering Costs DHS/DFO/IMTA/2013-07-15
Federal Rules • The Department of Health and Human Services (HHS) and the Internal Revenue Service (IRS) issued federal rules that included changes and alignment to eligibility: • Requirements • Methods and processes DHS/DFO/IMTA/2013-07-15
Eligibility Requirement Changes • Modified Adjusted Gross Income (MAGI) based income standards • Medicaid uses current monthly income • Cost Sharing Reductions (CSR) and Advanced Premium Tax Credits (APTC) use projected annual income • Redefines household composition DHS/DFO/IMTA/2013-07-15
Eligibility Requirement Changes • Income Changes. • Non-recurring Lump sums • Scholarships and grants • Income of American Indians and Alaska Natives • Child Support • Worker Compensation • Veteran’s Benefits • Depreciation of business expenses DHS/DFO/IMTA/2013-07-15
Eligibility Requirement Changes • Federal Poverty Level (FPL) • Determining proper coverage DHS/DFO/IMTA/2013-07-15
Seamless, Streamlined System of Eligibility and Enrollment DHS/DFO/IMTA/2013-07-15
A Seamless System of Coverage Qualified Health Plans without Financial Assistance Qualified Health Plan w/ Premium Tax Credits 250%-400% FPL Medicaid/CHIP Children Qualified Health Plan w/ Premium Tax Credits and Cost-sharing reductions between 100% - 250% FPL Iowa Health and Wellness Plan 101% - 133% FPL DHS/DFO/IMTA/2013-07-15
FFM Plan Levels of Coverage DHS/DFO/IMTA/2013-07-15
A Seamless Path to Affordable Coverage • The Affordable Care Act: • Expands access to affordable coverage • Simplifies Medicaid & CHIP • Ensures a seamless system of coverage DHS/DFO/IMTA/2013-07-15
Expanding Access to Coverage • Enrollment in the new income-based category without having to first screen for other eligibility groups • Enables people with disabilities and those needing long-term care services & supports to enroll in the group that best meets their needs DHS/DFO/IMTA/2013-07-15
Expanding Access to Coverage • Creates new coverage group for former foster care children • Expansion of Presumptive Medicaid increases the number of providers allowed to make presumptive determinations for more populations. DHS/DFO/IMTA/2013-07-15
Simplifying Medicaid & CHIP • Switch to MAGI methodology • Modernize verification process • Federal data matches • Renewals at least every 12 months DHS/DFO/IMTA/2013-07-15
Coordination: A Seamless System of Coverage • Single, streamlined application for all insurance affordability programs • Website that provides program information and facilitates enrollment in all insurance affordability programs • Coordinated verification policies across Medicaid, CHIP and the FFM • Standards and guidelines for eligibility determinations and information transfers DHS/DFO/IMTA/2013-07-15
Coordination: Key Provisions of ACA • The Medicaid/CHIP agency: • Determines eligibility for individuals transferred from another insurance affordability program • Evaluates an individual for potential eligibility for other insurance affordability programs • Certifies for the FFM/other programs the criteria applied in determining Medicaid eligibility DHS/DFO/IMTA/2013-07-15
Coordination: Key Provisions of ACA • Medicaid/CHIP agencies have established agreements with the FFM that clearly delineate the responsibility of each program to: • Minimize burden on individuals • Ensure compliance with the other eligibility coordination requirements of the provision (i.e., MAGI screen) • Ensure prompt determinations of eligibility and enrollment consistent with timeliness standards DHS/DFO/IMTA/2013-07-15
State Responsibilities: Potential Eligibility for Other Programs • For individuals determined as not eligible for Medicaid/CHIP, the agency: • Evaluates the individual for potential eligibility for other insurance affordability programs • Transfers the individual’s electronic account to the FFM for CSR/APTC determinations for insurance plan enrollment DHS/DFO/IMTA/2013-07-15
Coordinated Eligibility Determinations with FFM • The Federally Facilitated Marketplace makes initial assessment of Medicaid/CHIP eligibility; State make the final eligibility determination • Assessments made using the applicable Medicaid/CHIP income standards, citizenship and immigration status, using verification rules and procedures consistent with Medicaid and CHIP regulations • The FFM and Iowa have entered into an agreement outlining each entities responsibilities ensuring a seamless and coordinated process DHS/DFO/IMTA/2013-07-15
Coordinated Eligibility Determinations with FFM • When the FFM makes an initial assessment, Iowa: • Accepts the electronic account • Does not request duplicative information/documentation • Promptly determines Medicaid/CHIP eligibility without requiring a new application • Accepts any findings made by another program, no further verification • Notifies the other program of the receipt of the electronic account and Medicaid’s final eligibility determination if the individual is receiving coverage through another program DHS/DFO/IMTA/2013-07-15
Non-MAGI Populations Applying through FFM • The FFM will transfer applications to Iowa for a determination of Medicaid on a basis other than MAGI • Iowa will: • Notify the FFM of the final determination of eligibility for those individuals who are participating in an insurance affordability program DHS/DFO/IMTA/2013-07-15
Non-MAGI Populations Applying through Iowa • Evaluating eligibility for other insurance affordability programs for individuals undergoing a Medicaid determination on a basis other than MAGI • Iowa: • Determines potential eligibility other insurance affordability programs • Transfers the individual’s account to the FFM • Provides timely notice to the FFM DHS/DFO/IMTA/2013-07-15
Continuation of Coverage • Coverage renewal • FFM • State DHS/DFO/IMTA/2013-07-15
A New Approach • Shifts verification responsibilities • Less reliance on paper • “Which coverage is right for you?” DHS/DFO/IMTA/2013-07-15
Time Frames • October 1, 2013 • Open enrollment for insurance affordability programs • Must accept single streamlined applications and apply new rules • Must be able to transmit information to Marketplace • Evaluate under current rules for eligibility prior to 1/1/14 • January 1, 2014 • Coverage under insurance affordability programs can begin DHS/DFO/IMTA/2013-07-15
Conclusion • Additional ACA webinars • Session review – Income Maintenance Workers ONLY DHS/DFO/IMTA/2013-07-15