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Affordable Care Act New Protections & Coverage Options for Consumers

Affordable Care Act New Protections & Coverage Options for Consumers. The Law Increases Your Access to Affordable Care In many cases, you can get preventive services for free:. New Health Insurance Options What these changes mean for NJ . MEDICAID EXPANSION Income limits are expanded

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Affordable Care Act New Protections & Coverage Options for Consumers

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  1. NJ For Health Care/NJ Citizen Action Affordable Care Act New Protections & Coverage Options for Consumers

  2. The Law Increases Your Access to Affordable CareIn many cases, you can get preventive services for free:

  3. NJ For Health Care/NJ Citizen Action New Health Insurance OptionsWhat these changes mean for NJ MEDICAID EXPANSION Income limits are expanded More people will qualify for NJ FAMILY CARE You can be working and still qualify Individuals who earn up to $15,856 Family of 4 earning up to $32,499 can qualify

  4. NJ For Health Care/NJ Citizen Action Not eligible for Medicaid? SHOP the HEALTH INSURANCE MARKETPLACE - Apply for coverage - Apply for subsidies to help reduce the cost of premiums Who qualifies for subsidies? Individuals up to $45,960 Family of four up to $94,200

  5. NJ For Health Care/NJ Citizen Action WHO WILL QUALIFY?

  6. You can purchase on the Marketplace if…. • You are an individual, family or small business not eligible for coverage through someone or someplace else (like an employer) • You are a citizen or legal immigrant • Everyone enrolling in the exchange must verify legal status • You are a member of Congress: • The ACA requires them to use the Exchange

  7. Four Levels of Coverage

  8. NJ For Health Care/NJ Citizen Action Catastrophic Coverage Option AN ALTERNATIVE OPTION FOR: • Young adults to age 30 • Or those with hardship exemption • Unable to purchase coverage that is <8% of income Plans offer: • Limited coverage at low cost with high deductibles

  9. NJ For Health Care/NJ Citizen Action What will coverage cost? If you qualify for a subsidy…. Your premium contribution will be less than 10% of your annual adjusted gross income

  10. NJ For Health Care/NJ Citizen Action Two ways to help reduce cost for those who qualify Premium Tax Credits Cost Sharing Reductions What is it: Another layer of assistance for those who earn less will qualify for reduced co-pays and deductibles Who qualifies? Individuals with income less than 250% of federal poverty level $28,725 for individuals; $58,875 for family of 4 • What is it: A tax credit based on your reported income • How does it work? Credit is applied to the cost of the premium up front • How much will it be? If you qualify for a tax credit, you premium will be between 2% and 9.5% of your yearly income

  11. How will consumers enroll?

  12. NJ For Health Care/NJ Citizen Action Apply On-Line If you qualify for Medicaid Expansion:

  13. NJ For Health Care/NJ Citizen Action Apply by Phone National toll-free hotline 1-800-318-2596 If you qualify for Medicaid Expansion: NJFamilyCare 1-800-701-0710

  14. NJ For Health Care/NJ Citizen Action In-Person Enrollment AssistanceNJ Navigators • Food Bank of Monmouth/Ocean Counties • 732-918-2600 • Center for Family Services (NJ Southern Counties) • 1-877-9-ACCESS (1-877-922-2377) • navigators@centerffs.org • Oranges Navigator Project: (Essex) 973-500-6031 • Urban League of Hudson/Bergen County • 201-451-8888 • Public Health Solutions (Hudson & Essex) • 646-619-6539 • Navigators@healthsolutions.org

  15. NJ For Health Care/NJ Citizen Action Certified Application Counselors • Available at: • Federally Qualified Health Centers • Libraries • Community Health Centers • Hospitals • Community service organizations • Some local retailers & drug stores • Find the closest Assistor at: https://localhelp.healthcare.gov/

  16. NJ For Health Care/NJ Citizen Action Resources National Hotline 800-318-2596 NJFAMILYCARE.ORG 1-800-701-0710

  17. NJ For Health Care/NJ Citizen Action REMEMBER….. INITIAL OPEN ENROLLMENT FOR ALL PLANS October 1, 2013 – March 31, 2014 After March 31 Enrollment will be open Only to those who qualify for NJ FAMILY CARE or who have a change in circumstance Next Annual Open Enrollment October 15 – December 7

  18. NJ For Health Care/NJ Citizen Action Contact Us Consumer Health Helpline: 1-888-NJ GET WELL (888-654-3893) Maura Collinsgru NJCA Health Policy Advocate 732-246-4772 maura@njcitizenaction.org Facebook.com/NJforHealthcare

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