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CHICAGO ARTISTS HEALTH CARE TOWN HALL. HEALTH INSURANCE + THE AFFORDABLE CARE ACT DALIAH MEHDI, AIDS FOUNDATION OF CHICAGO 4:15 + 5:45 PM CASSIDY THEATER. (312) 784-9060. Where do you fit in Health Care Reform ?. On private insurance now? On employer health insurance? On Medicaid now?
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CHICAGO ARTISTS HEALTH CARE TOWN HALL HEALTH INSURANCE + THE AFFORDABLE CARE ACT DALIAH MEHDI, AIDS FOUNDATION OF CHICAGO 4:15 + 5:45 PM CASSIDY THEATER
Where do you fit in Health Care Reform ? • On private insurance now? • On employer health insurance? • On Medicaid now? • 2. On Medicare now? • On Medicaid and Medicare? • Currently uninsured?
You’re on an individual private insurance plan? • If you have HIV or another health issue, you may be able to buy cheaper insurance in the Marketplace • Definitely true if your individual plan is currently a “high risk” plan • Almost certain to be true if your income is under $45,000 since you’ll get a subsidy in the Marketplace.
Are you already covered by your employer? • You’re covered! Stay right where you are. • One exception. Ifyou are low income and your employer charges you a fortune (more than 9.5% of your income) for your insurance you can go to the Marketplace and buy a cheaper policy.
On Medicaid Now? • You’re covered. Stay right where you are! • One big change coming if you live in the city: Integrated Care Management • Watch for a mailing, perhaps as early as January • You must pick an HMO or other managed care program • If you don’t chose, you will be assigned to one (They will try to assign you to wherever you get your care now. Don’t take a chance—be proactive!)
On Medicare Now? • Relax! It’s all good newsNo real changes—part D donut hole continues to close slowly • But one alert: If you are on Medicare AND Medicaid, you also need to watch the mail (MMAI).
On both? Medicare Medicaid Alignment Initiative (MMAI) • Today • Medicare covers doctor, hospital, lab, prescription drugs • Medicaid only pays if you’re getting long term care services, either at home or in a nursing home • 2014 • The state will want to put you into a managed care program for all your care. • Will be auto-enrolled for all Medicare AND Medicaid services starting around April. • Can drop out for Medicare services. • WATCH THE MAIL! And make sure Public Aid and Social Security have your correct address.
You can expect some changes if… • You are currently one of the following: • AIDS Drug Assistance Program (ADAP) • Uninsured and Make under <138% FPL = $15,856 Annual Income & $1,321 Monthly Income. • Uninsured and make more than >138% FPL = $15,856 Annual Income & $1,321 Monthly Income.
You’re uninsured now? Health care reform has your name all over it! • Living with an income above $15,856 per year ($1273 per month) with a valid SSN? Head to the Marketplace and shop for a health insurance. Call 312-784-9060 for enrollment help today! • Living with an income below $15,856 per year ($1273 per month) with a valid SSN? You qualify for Medicaid. Call 312-784-9060 for enrollment help today!
Are you locked out? You don’t have a valid Social Security number? Or you’re a new lawful permanent resident? • Undocumented immigrants can not access Medicaid or purchase insurance on the Marketplace • During their first five years, legal permanent residents cannot access Medicaid, but can access the Marketplace and qualify for subsidies. • After five years, legal permanent residents can qualify for Medicaid.