Everything You Wanted to Know About the ACA and Medicaid Enrollment
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Everything You Wanted to Know About
the ACA and Medicaid Enrollment
Health Insurance Marketplace
Beginning in 2014, the Affordable Care Act has a mandate for most individuals to have health insurance
or potentially pay a penalty. Individuals will be required to maintain minimum essential coverage for
themselves and their dependents. Some individuals will be exempt from the mandate/penalty, while
others will be eligible for financial assistance to help pay for the cost of insurance. Minimum essential
coverage is Medicare, Medicaid, Tricare, employer sponsored plans, or plans available on the health
insurance market. It does not include health insurance coverage consisting of excepted benefits like
dental-only plans or Plan First.
Who can apply on the Marketplace?
Individuals who are a U.S. citizen or have lawful presence. Individuals must live in the state
whose marketplace they are applying through and cannot be incarcerated.
Apply Online: Healthcare.gov
Questions? phone: 800-318-2596
When is the open enrollment period?
The first open enrollment period is from October 1, 2013 – March 31, 2014. The next open
enrollment period is from October 15, 2014-December 7, 2014 and will occur annually.
What are the criteria for special enrollment periods outside of open enrollment?
Marriage, change in dependents, loss of an exemption, loss of minimum essential coverage,
change in immigration status, newly eligible for premium tax credits or cost sharing reduction,
gain access to new QHP’s as a result of a permanent move.
Who is considered part of a “household”?
A household is the same as the tax filing unit. If you are married, you must file a joint return for
the coverage year you are requesting tax credits. If you have not filed taxes in previous years
you can still apply for tax credits but must file taxes for the years you are requesting advanced
tax credits.
What information will be needed to apply on the Marketplace?
For all household members you will need name, date of birth, social security number (or
document numbers for legal immigrants), employer and income information, policy numbers for
any current health insurance plan covering members of the household. You should get an
Employer Coverage Tool completed for every job based plan you or someone in your household
is eligible for.What is a Qualified Health Plan?
Qualified Health Plans will be available on the Marketplace. There will be different levels that
will cover a percentage of costs- premiums, copayments, coinsurance, and deductibles.
Bronze 60%
Silver 70%
Gold 80%
Platinum 90%
Marketplace Qualified Health Plans must have at least the 10 Essential Health Benefits and
cover certain preventive services without charging a copayment or coinsurance, even if you
haven’t met your yearly deductible when services provided within network.
There is also a Catastrophic Plan available for individuals who are under 30 or receive a
hardship waiver. It will include 3 primary care visits until consumers meet plan's deductible.
What are premium tax credits?
A tax credit which can be immediately applied to pay the cost of health insurance premiums.
Who is eligible for a premium tax credit?
Individuals with income between 100-400% of federal poverty level.
[Note: Medicaid expansion should be in effect around April 2014- this will provide Medicaid
coverage to US Citizens/5 year permanent residents with incomes below 138% federal poverty
level.]
Individuals with income below 100% of FPL and are ineligible for Medicaid based on
immigration status (still need lawful presence) may purchase exchange coverage and receive tax
credits.
Is an employee whose employer offers insurance eligible for the premium tax credit?
An employee is eligible for tax credits if their employer insurance offer for single-only
(individual) coverage is unaffordable (more than 9.5% of their W-2 income) regardless of
whether they are actually enrolled in their employer’s plan. If the plan is dropped, this qualifies
as a special enrollment event, so the employee can purchase a QHP (with tax credits) outside
the open enrollment period.
What are cost sharing reductions?
Individuals can receive a reduction in copayments, deductibles and other out of pocket expenses.
If the household income is below 250% of federal poverty level (FPL) and they have selected a
silver plan, you are eligible for the following reductions:
• 94% reduction with income up to 150% of FPL
• 87% reduction with income up to 151-200% of FPL
• 73% reduction with income up to 201%-250% of FPL.How is income calculated or what is Modified Adjusted Gross Income (MAGI)? Your Modified Adjusted Gross Income is your adjusted gross income (wages/salary, self- employment, RSDI, unemployment benefits, spousal support, deduct alimony) plus foreign earned income and tax-exempt interest. Not included in the Adjusted Gross Income- child support, veteran's benefits, worker's compensation, adoption subsidy Under the Marketplace Exchange, your budget period is projected and annual. There is NO asset test on the Marketplace. What is the penalty for not enrolling in a QHP? In 2014, the penalty will be 1% of income or $95/adult ($285/family), whichever is higher. In 2015, $325/adult ($975/family); in 2016 it will increase to 2.5% of income or $695/adult ($2085/family). What are some of the exemptions to the penalty? Marketplace exemptions include: healthcare sharing ministry, incarceration, tribal affiliation, religious objection and other hardship- premium greater than 8% of income after tax credits, recent eviction, domestic violence victim, unexpected expense of caring for an ill or disabled family member. IRS exemptions include: actual income below filing threshold (in 2012 less than $9,750 for single person under 65), unlawful presence, no insurance coverage for less than 3 months, incarceration, healthcare sharing ministry or tribal affiliation. When will insurance purchased through the marketplace become active? If enrolled and premium paid by12/15/13 the effective date is 1/1/14. Thereafter the 1 st -15 th day of the month will be effective the 1 st day of the following month. The 16th day to the last day of the month will be effective the 1st day of the 2nd following month. (For example, enrolled and premium paid on 2/15/14 will be effective 3/1/14; if enrolled and paid on 2/16/14 will be effective 4/1/14.) If identity cannot be verified online, what forms of identification will be accepted? The following will be accepted: Identification card, school ID, voter registration card, passport. Or 2 of the following: birth certificate, social security card, divorce decree, employee ID, high school/college diploma, property title or deed. Reasons to request an extension for requested verifications- missing SSA card, missing birth certificate, inconsistent income, inconsistent address- the Marketplace will ask about time needed to get missing documents For what reasons can an individual appeal a decision made by the marketplace? They can file an appeal if they disagree with the eligibility determination, are denied an exemption or received an untimely notice of eligibility determination.
What changes should be reported to the marketplace?
A change in income, tax filing unit or relocation.
How does the renewal process work?
A renewal notice will be sent annually. If the individual is satisfied with their health insurance
and have no changes to report, they can reconfirm their enrollment in a QHP. Many details about
the renewal process are unknown.
Medicare and the ACA
Will there be changes to Medicare under the ACA?
Yes there will be a few changes.
Preventative benefits will be covered with no cost sharing and it reduces the cost sharing for
prescription drugs.
Are there existing programs to help with Medicare benefits?
Yes, depending on income level.
QMB – Qualified Medicare Beneficiaries provides supplemental Medicaid coverage and pays
monthly Medicare Part B premiums. The income limit is $978 for an individual and $1313 for a
couple.
SLMB (Specified Low Income Medicare Beneficiaries) pays Part B premiums. The income limit
is $1169 for an individual and $1571 for a couple.
The asset limit for QMB and SLMB is $6940 for individual and $10,410 for a couple.
Extra Help Part D Assistance Program provides reduced or eliminated premiums and copays.
The yearly income limit is $17, 235 for individual, $23,265 for a couple. The asset limit is
$13300 for individual and $26580 for a couple.
Contact the Michigan Medicare/Medicaid Assistance Program (MMAP) at 800-803-7174Medicaid and Medicaid Expansion Michigan has passed Medicaid expansion but the actual implementation date is still unknown. The Marketplace should be referring Medicaid eligible people to DHS but remember, from 10/1/13-12/31/13, this will be under the State DHS Medicaid rules in existence now. Beginning 1/1/2014, DHS will begin using new methodology for household size = tax unit and income = MAGI for Medicaid programs for children, pregnant woman, parents and caretakers. The citizenship requirement for Medicaid is stricter than the Marketplace. You must be a US citizen or have at least 5 years with permanent resident card. (There are also MA programs for refugees, asylees) Current Medicaid programs Healthy Kids Medicaid- kids > 1 and pregnant woman- income less than 185%, no asset test Healthy Kids Medicaid ages 1-19- income less than 150%, no asset test MI Child- kids coverage income less than 200%, no asset test Low income parents/caretakers, 19-20 year olds- income less than about 33-37% federal poverty level for full MA- (income above = deductible/spenddown), asset limit $3000 [This group eligible for MA under expansion- income to 138%, no asset test and includes adults ages 19-64 who are not receiving Medicare.] SSI related Medicaid (aged, blind, disabled) - full Medicaid coverage income at 100% or below federal poverty level (income above = deductible/spenddown), asset limit $2000/single, $3000 married. This Medicaid category is expected to remain and is distinct from Medicaid expansion. What happens to Maximus? Maximus has notified qualified agencies that to maintain qualified agency status there will be a new training session to be certified to submit ACA applications through Maximus, which will mostly likely continue to be for Healthy Kids, CHIP, MOMS, and Plan First. Available at: healthcare4mi.com MAGI Medicaid (aka Expansion/Reform) Who will be eligible under MAGI Expanded Medicaid? Individuals who are a U.S. citizen or have a permanent resident card for at least five years. MAGI related groups- children, pregnant women, parents and caretakers, adult group- 19-64, not pregnant, not receiving Medicare, former foster care beneficiaries.
Who is considered part of a “household” for MAGI Medicaid? A household is the same as the tax filing unit. Income will be Modified Adjusted Gross Income (MAGI): Your Modified Adjusted Gross Income is your adjusted gross income (wages/salary, self- employment, RSDI, unemployment benefits, spousal support, deduct alimony) plus foreign earned income and tax-exempt interest. Not included in the Adjusted Gross Income- child support, veteran's benefits, worker's compensation, adoption subsidy For Medicaid, income is budgeted current and monthly. There is NO asset test for MAGI Medicaid How will Medicaid (MA) be managed and what are the benefits? Most MAGI beneficiaries with be enrolled in a Medicaid HMO with benefits similar to what is currently available. Excluded from enrolling in a Health Plan- Plus Care recipients, ESO MA, CSHCS only, commercial HMO coverage, including Medicare HMO coverage, deductible beneficiaries Are there child support cooperation rules for MAGI Medicaid? Yes. There will be child support cooperation rules. However, there will still be exemptions for good cause such as physical or emotional harm to the individual or child. Will there be Emergency Services Only Medicaid for MAGI Expansion Medicaid? Yes. Individuals’ eligible for Medicaid expansion but for their immigration status will receive Emergency Services Only (ESO) Medicaid. What changes must be reported for MAGI Medicaid? Marriage, relocation, birth of children, citizenship, pregnancy, student status and etc.
Monthly Income Limits:
Household 100% 120% 138% 150% 185% 200% 250% 400%
size SSI MA/QMB SLMB >MA/Tax credit> HK MA 1-19 HK>1/Pregnant MI Child CSR >Tax credit
1 $958 $1,149 $1,322 $1,436 $1,771 $1,915 $2,394 $3,830
2 $1,293 $1,551 $1,784 $1,939 $2,391 $2,585 $3,231 $5,170
3 $1,628 $1,953 $2,246 $2,441 $3,011 $3,255 $4,069 $6,510
4 $1,963 $2,355 $2,709 $2,944 $3,631 $3,925 $4,906 $7,850
5 $2,298 $2,757 $3,171 $3,466 $4,250 $4,595 $5,744 $9,190
6 $2,633 $3,159 $3,633 $3,949 $4,870 $5,265 $6,581 $10,530
Yearly income:
Household 100% 120% 138% 150% 185% 200% 250% 400%
size SSI MA/QMB SLMB >MA/Tax credit> HK MA 1-19 HK>1/Pregnant MI Child CSR >Tax credit
1 $11,490 $13,788 $15,856 $17,235 $21,257 $22,980 $28,725 $45,960
2 $15,510 $18,612 $21,404 $23,265 $28,694 $31,020 $38,775 $62,040
3 $19,530 $23,436 $26,951 $29,295 $36,131 $39,060 $48,825 $78,120
4 $23,550 $28,260 $32,499 $35,325 $43,568 $47,100 $58,875 $94,200
5 $27,570 $33,084 $38,047 $41,355 $51,005 $55,140 $68,925 $110,280
6 $31,590 $37,908 $43,594 $47,385 $58,442 $63,180 $78,975 $126,360AH private health insurance plans offered on the Health Insurance Marketplace will
offer the same set of essential health benefits. These are minimum requirements but
plans may offer additional coverage. You will see exactly what each plan offers when
you compare them side-by-side on the Marketplace.
1. Ambulatory patient services
2. Emergency services
3. Hospitalization
4. Maternity and newborn care
5. Mental health and substance use disorder services, including
behavioral health treatment
6. Prescription drugs
7. Rehabilitative and habilitative services and devices
8. Laboratory services
9. Preventative and wellness services and chronic disease management
10. Pediatric services
Source:
https://www.heafthcare.gov/how-can-hsavewAH Marketplace plans must cover the following list of preventive services without charging you a copayment or
coinsurance. This is true even if you haven't met your yearly deductible and it applies only when these services
are delivered by a network provider. Screenings will be available based on certain criteria and conditions.
Preventative screenings I Preventative screenings I Preventative screenings
for all adults I for women I for children
1. Abdominal Aortic Aneurysm 1. Anemia screening 1. Autism screening
one-time screening
2. Breast Cancer Genetic Test 2. Behavioral assessments •
2. Alcohol Misuse screening and Counseling (BRCA)
counseling 3. Blood Pressure screening
3. Breast Cancer Mammography
3. Aspirin use screenings 4. Cervical Dysplasia screening
4. Blood Pressure screening 4. Breast Cancer Chemoprevention 5. Depression screening
counseling 6. Developmental screening
5. Cholesterol screening
5. Breastfeeding comprehensive 7. Dyslipidemia screening
6. Colorectal Cancer screening support and counseling
7. Depression screening 8. Fluoride Chemoprevention
6. Cervical Cancer screening supplements
8. Diabetes (Type 2) screening 7. Chlamydia Infection screening 9. Gonorrhea preventive medication
9. Diet counseling 8. Contraception 10. Hearing screening
10. HIV screening 9. Domestic and interpersonal 11. Height, Weight and Body Mass
11. Immunization vaccines violence screening and counseling Index measurements
12. Obesity screening and counseling 10. Folic Acid 12. Hematocrit or Hemoglobin
11. Gestational diabetes screening screening
13. Sexually Transmitted Infection
(STI) prevention counseling 12. Gonorrhea screening 13. Hemoglobinopathies or sickle
cell screening
14. Syphilis screening 13. Hepatitis B screening
14. HIV screening
15. Tobacco Use screening 14. HIV screening and counseling
15. Hypothyroidism screening
15. Human Papillomavirus (HPV)
Source: DNA Test 16. Immunization vaccines
https://www.healthcare.gov/what-are-my-
preventive-care-benefits/#part=1 16. Osteoporosis screening 17. Iron supplements
17. Rh Incompatibility screening 18. Lead screening
18. Sexually Transmitted Infections 19. Medical History
counseling 20. Obesity screening and counseling
19. Syphilis screening 21. Oral Health risk assessment
20. Tobacco Use screening and 22. Phenylketonuria (PKU) screening
interventions
23. Sexually Transmitted Infection (STI)
21. Urinary tract or other infection prevention counseling and screening
screening
24. Tuberculin testing
22. Well-woman visits
25. Vision screening
Source:
https://www.healthcare.gov/what-- are-my- Source:
preventive-care-benef its/#pa rt=2 https:/AAWw.heaithcare.gov/what-are-my-
preventive-ca re-benef its/#pa rt=3Affordability and Premium Tax Credit Eligibility for Employees and Family Members
(100-400% FPL)
Does employee in the family
1
have employer coverage offer?
Yes
Does employer offer
family coverage?
No No,
employee-only
Is employee-only Is employee-only
premium > 9.5% of premium > 9.5% of
household income? household income?
Yes,
A. Employee B. Neither C. Employee not
and family employee nor tax credit Yes
members may family members eligible, but
be tax credit tax credit family members
2
eligible. 2
eligible. may be eligible.
A
Notes:
1. This flowchart assumes that plans offered by the employer meet minimum
value standards (actuarial value of at least 60 percent)..
2. Employees and family members who may be eligible for tax credits must meet
other requirements before fully qualifying, such as having legal residence and
not having access to government-based plans (Medicaid, Medicare, VA, etc.)." NATIONAL IMMIGRATION L A W CENTER | WWW.NILC.ORG
ion
MARCH 2013
Exempt from individual mandate.
Same access and requirements for affordable coverage
Not eligible for Medicare, nonemergency Medicaid,
as U.S.-born citizens. or CHIP.
Remain eligible for emergency care under federal law.
Limited federal coverage. Eligible for Emergency Medicaid if low-income.
a Subject to the individual mandate and related tax Citizen or lawfully present children of undocumented
penalty (exempt if low-income or meet specific parents are eligible:
exemptions).
o To purchase from the state insurance exchange.
• May enroll i n a "qualified health plan (QHP)" from the o For premium tax credits and lower copayments.
state insurance exchanges.
o For Medicaid or CHIP.
*» Eligible for premium tax credits and lower
May seek nonemergency health services at community
copayments.
health centers or safety-net hospitals.
o No waiting periods for enrolling in state insurance
r
exchanges or premium tax credits. ERlFICATION REQUIREMENTS
• Eligible for the Pre-Existing Condition Insurance Plan Only those in a family who are applying for benefits
(PCIP) and the Basic Health Plan (when available i n a are required to provide a Social Security number
state). (SSN) and their immigration/citizenship status.
• Current federal immigrant eligibility restrictions in Citizenship or lawful presence must be verified
Medicaid maintained, including the five-year-or-more for everyone enrolling in:
waiting period for most lawfully residing, low-income o Private health insurance in the state exchanges.
immigrant adults. o Health insurance premium tax credits.
• Since April 2 0 0 9 , states can choose to provide o Medicaid and CHIP.
Medicaid and Children's Health Insurance Program Status will be electronically verified through:
(CHIP) benefits to lawfully residing children and
o Social Security Administration (SSA) for citizens,
pregnant women without a waiting period. But in
states that do not elect this option, these children and o U.S. Citizenship and Immigration Services (USCIS)
pregnant women must still wait five years or more for non-U.S. citizens via the Systematic Alien
before they can get affordable health care coverage. Verification for Entitlements (SAVE) database,
• Citizens of Compact Free Association states who o If unable to verify status electronically, enrollees
reside i n the U.S. remain ineligible for federal have an opportunity to provide other documents or
Medicaid. to fix the records.
• EXCEPTION: As of August 2012, Deferred Action for Social Security number of a nonapplicant maybe
Childhood Arrivals (DACA) grantees are ineligible for requested to electronically verity household income.
Medicaid, CHIP, andACAbenefits. If unavailable, other proof of income can be provided.
Information about immigration status maybe used
UNDOCUMENTED IMMIGRANTS
only to determine an individual's eligibility.
No federal coverage.
• Not allowed to purchase private health insurance at This explanation of how immigrants are included in health care
full cost i n state insurance exchanged). reform is per provisions in the Affordable Care Act of 2010 (ACA)
(encompassed in the Patient Protection and Affordable Care Act
• Not eligible for premium tax credits' or lower (Pub. Law No. 111-148) as amended by the Health Care and
copayments. Education Act of 2010 (Pub. Law No. 111-152)).
Los ANGELES (Headquarters) WASHINGTON, D C
3435 Wilshire Blvd., Suite 2850 1444 Eye Street, NW, Suite 1110
Los Angeles, CA90010 NATIONAL Washington, DC 20005
213 639-3900 IMMIGRATION 202 216-0261
213 639-3911 fax LAW CENTER 202 216-0266 faxThe Path to Health Care Coverage Under the AfFordafole Care Act, in 2014
in States that Adopt the Medicaid Expansion
Are you age £5 or older? ygg
(Or otherwise entitled ^^,1 Eligible for
to Medlars, e.g. reee/ve Medicare
This flow chart provides a high-level picture ofthe ways that SSDI.)
people wili obtain health coverage in 2014 under the Patient
Protection and Affordable Care Act (ACA). It is intended as
an overview ofthe pathways to coverage: while individuals
Ineligible for Medicaid
may follow thefiow chart and determine possible options, HO HO NO
Coverage available Family Income less. but m e e t £ H ! P standard.
it is pot intended-to be comprehensive for that purpose. trough patents? thanlSPSSFPL? (In (vilchigan/e'qual to or
Rather, it is offered as a way to look ahead and better lesjuian2ut)KofFPL)?
understand tlie many pathways to coverage that will exist in
2014, specifically in states that adopt the ACA's expansion of YES
Medicaid eligibility.
Uninsured
1 Is available premium >E% (Penalty)
Exemptions from Individual Mandate Eligible for
•;Doyou choose to ofln«me,orareyou YES
- Exemptfrom filing Income tax remain uninsured? otherwise exempt Tram Medicaid'
- Incarcerated
individual mandate? Uninsured
(No Penalty)
• Member of an Indian tribe
HO YES
. Those with short coverage gaps and hardships
. Member of religious sect exempted from paying Social
Choose YES
Security, Medicare, payroll, and self-employment taxes YES Covered under
Are you less than 26 option to be on parent's
• Lack access to affordable coverage (as defined in ACA yeareold? policy?
parent's policy
Sect. 1302)
• Undocumented immigrants
HO
CHIP—Children's Health Insurance Program Choose option. YEI
\J Buy catastrophic-only
to buy rataitrophk-on!/
FPL-r-Federa! poverty level 1
*^ insurance
insurance?
SSDi—Social Security Bisabllity Income
NO
1
Option to buy catastrophic-only coverage is available for individuals who
are exempt from the individual mandate due te hardship or lack of access
to affordable coverage. Is available premium on HO
•Is health coverage, NO HO
the Individual market Income equal to or less
2
Child-only plan; are available for those under age 21 -Income less uian1395i
1
available to you through more than'fiSS of your tliarciOOSSorFPL?
FPL?
' Employers with over 200 full-time employees must auto-enroll employees 1
an employer! income?
in coverage. Employees may opt out to obtain coverage elsewhere or
remain uninsured-(wlth possible penalty).
" Legal immigrants in U.S.Y£5
WO I: available premium \i available premium NO. Jl available premium
Income less than 13954,
equal to or hut than B5£ between 8X and 9'5% oF mora than'9.55£:oFyour-
.' FPL? 7 of your income? yourincomc?" Income?
YES YES Y5-S YES
NO Income equal lo or feu
no Income equaltoor]HI Income equal toorlesi
-iHan'40Q3SFPL?
YES YE
Doeiemployerplan Doeiemployerplan
YES coverfiOJformore of cover iOK or more of.
your, share ofhealth your share ofhealth
expenses (on average}? expenses (on average)?
MO
Option to accept
employer coverage
Option toaccept QR/fauy coverage
Option to accept
employer.coyerage. on Exchange and
employer coverage
. Option to Option to accept OR buy coverage receive;p/emiurn
OR buy coverage
accept employer employer coverage on Exchange'or \ tax credits (and
on Exchange and
.coverage (and ORbuy coverage individual market . cost-sharing,
. receive premium >
receive premium on Exchange or without premium, subsidies If
tax credits (and
assistance subsidies individual market tax credits OR buy income equal to
cost-sharing
if state offers) OR without premium catastrophic-only, or less than 250%
4
subsidies if income
enroll in Medicaid tax credits insurance* OR opt 4
FPL) OR buy
equal to or less
4 out of coverage. catastrophic-only
than 250% FPL) s
without penalty insurance OR-opt
outofcoverage
without penalty
© Cental'for HeiiliJicarefiesafirclifitTraiwformatiori,January 2013
WWwdirfcorR/ACAflowdiart Page 2 ofHEALTH CARE COVERAGE IS REQUIRED IN
2014. ARE YOU COVERED?
WHAT YOU NEED TO KNOW:
Starting Oct 1, there is a new way to find Health Insurance, called the Health
Insurance Marketplace (also called an Exchange) at HealthCare.gov.
All insurance plans will cover doctor visits, hospitalizations, preventative care,
maternity care, emergency room care, and prescriptions.
If you have a pre-existing condition, insurance plans cannot deny you coverage or charge you
more.
Financial help may be available so you can find a plan that fits your budget.
All insurance plans will show the costs and coverage in simple language with no fine print.
Act Now: Health Insurance enrollment will be open Oct 1, 2013 until March 31, 2014.
Coverage will be available starting as early as Jan 1.
See your options and enroll online at HealthCare.gov or Cuidadodesalud.gov
or call 1.800.318.2596. For local help, see other side.HEALTH CARE COVERAGE IS REQUIRED IN 2014.
ARE YOU COVERED?
GET LOCAL HELP:
Casa Latina UMHS Regional Alliance for Healthy Schools
734.926.4656 ● 4925 Packard Rd, Ann Arbor ● Appointment only 734.998.5795 ● Appointment only ● UMHS-RAHS@umich.edu
Spanish available Translation services available
Packard Health
734.971.1073 ● 3174 Packard Rd, Ann Arbor ● Appointment only ● Call Washtenaw Health Plan
and ask for Jennifer Green 555 Towner, Ypsilanti ●Walk-in ●Mon-Fri 9am-4pm
734.544.3030 ● whp.ewashtenaw.org ● Spanish available
Shelter Association of Washtenaw County
Robert J. Delonis Center, 312 W Huron St, Ann Arbor ●734.662.2829 Washtenaw County Community Support
M-F 8am-5pm ● Appointment only and Treatment Services
734.544.3050 ● Mon-Fri 9am-5pm
St. Joseph Mercy Health System
855.753.4726 ● www.stjoeshealth.org/aca Regional Navigator — Center for Family Health
407 N Jackson St (Wheelchair access: 505 N Jackson St), Jackson
University of Michigan Health System Walk-in and appointments ● Mon-Fri 8am-5pm ● 517.788.8809
877.326.9155 ● Mon-Fri 9am-8pm Translation services available
www.uofmhealth.org/newoptions ● PFC-Counselors@med.umich.edu
You can also see your options, enroll anytime on your own or get live
chat assistance at HealthCare.gov or by calling 800.318.2596.Health Care Coverage is Health Care Coverage is
required in 2014. required in 2014.
Are you covered? Are you covered?
WHAT YOU NEED TO KNOW: WHAT YOU NEED TO KNOW:
Starting Oct 1, there is a new way to find Health Insurance, Starting Oct 1, there is a new way to find Health Insurance,
called the Health Insurance Marketplace (also called an called the Health Insurance Marketplace (also called an
Exchange) at www.HealthCare.gov. Exchange) at www.HealthCare.gov.
All insurance plans will cover doctor visits, hospitalizations, All insurance plans will cover doctor visits, hospitalizations,
preventative care, maternity care, emergency room care, and preventative care, maternity care, emergency room care, and
prescriptions. prescriptions.
If you have a pre-existing condition, insurance plans cannot de- If you have a pre-existing condition, insurance plans cannot de-
ny you coverage or charge you more. ny you coverage or charge you more.
Financial help may be available so you can find a plan that fits Financial help may be available so you can find a plan that fits
your budget. your budget.
All insurance plans will show the costs and coverage in All insurance plans will show the costs and coverage in
simple language with no fine print. simple language with no fine print.
Act Now: Health Insurance enrollment will be open Oct 1, 2013 Act Now: Health Insurance enrollment will be open Oct 1, 2013
until March 31, 2014. Coverage will be available until March 31, 2014. Coverage will be available
starting as early as Jan 1. starting as early as Jan 1.
You can see your options, enroll, or get live You can see your options, enroll, or get live
chat assistance anytime at HealthCare.gov or chat assistance anytime at HealthCare.gov or
by calling 800.318.2596. by calling 800.318.2596.Health Care Coverage is Health Care Coverage is
required in 2014. required in 2014.
Are you covered? Are you covered?
GET LOCAL HELP: GET LOCAL HELP:
Casa Latina 734.926.4656 ● 4925 Packard Rd, Ann Arbor ● Appointment only ● Casa Latina 734.926.4656 ● 4925 Packard Rd, Ann Arbor ● Appointment only ●
Spanish available Spanish available
Packard Health 734.971.1073 ● 3174 Packard Rd, Ann Arbor ● Appointment Packard Health 734.971.1073 ● 3174 Packard Rd, Ann Arbor ● Appointment
only ● Call and ask for Jennifer Green only ● Call and ask for Jennifer Green
Shelter Association of Washtenaw County ● Robert J. Delonis Center, 312 Shelter Association of Washtenaw County ● Robert J. Delonis Center, 312
W Huron, Ann Arbor ● 734.662.2829 ● M-F 8am-5pm ● Appointment only W Huron, Ann Arbor ● 734.662.2829 ● M-F 8am-5pm ● Appointment only
St. Joseph Mercy Health System 855.753.4726 ● www.stjoeshealth.org/aca St. Joseph Mercy Health System 855.753.4726 ● www.stjoeshealth.org/aca
University of Michigan Health System 877.326.9155 ● M-F 9am-8pm University of Michigan Health System 877.326.9155 ● M-F 9am-8pm
www.uofmhealth.org/newoptions ● PFC-Counselors@med.umich.edu www.uofmhealth.org/newoptions ● PFC-Counselors@med.umich.edu
UMHS Regional Alliance for Healthy Schools 734.998.5795 ● Appointment UMHS Regional Alliance for Healthy Schools 734.998.5795 ● Appointment
only ● UMHS-RAHS@umich.edu ● Translation services available only ● UMHS-RAHS@umich.edu ● Translation services available
Washtenaw Health Plan 555 Towner, Ypsilanti ●734.544.3030 Washtenaw Health Plan 555 Towner, Ypsilanti ●734.544.3030
Walk-ins ● M-F 9am-4pm ● whp.ewashtenaw.org ● Spanish available Walk-ins ● M-F 9am-4pm ● whp.ewashtenaw.org ● Spanish available
Washtenaw County Community Support and Treatment Services Washtenaw County Community Support and Treatment Services
734.544.3050 M-F 9am-5pm 734.544.3050 M-F 9am-5pm
Regional Navigator — Center for Family Health 407 N Jackson St Regional Navigator — Center for Family Health 407 N Jackson St
(Wheelchair access: 505 N Jackson St), Jackson ●Walk-ins and appointments (Wheelchair access: 505 N Jackson St), Jackson ●Walk-ins and appointments
M-F 8am-5pm ● 517.788.8809 ● Translation services available M-F 8am-5pm ● 517.788.8809 ● Translation services available
You can see your options, enroll, or get live You can see your options, enroll, or get live
chat assistance anytime at HealthCare.gov or chat assistance anytime at HealthCare.gov or
by calling 800.318.2596. by calling 800.318.2596.You can also read
