Health.YoungInvincibles # GetCovered @ YI_Care

1. Affordable Care Act 101 Health.YoungInvincibles.org #GetCovered @YI_Care

2. Who are Young Invincibles?

3. Outline of Presentation • What’s in the ACA? • How can you get involved?

4. Definitions • Premium: The amount of money you pay for for health insurance every month • Deductible: Your out-of-pocket costs with a health insurance plan • Co-Pay: A small, fixed amount that you will pay at each doctor’s appointment or when filling a prescription • Tax Credit: A discount that you receive, based on your income, to offset the cost of health insurance

5. How does health insurance work? • You pay a monthly amount (premium) for health coverage • When using health services, you share costs with your insurance company (deductibles, co-pay) • Some services like annual check-ups, will be covered without a co-pay #getcovered

6. Do I really need insurance? • Accidents happen to everyone! • Health coverage = financial security • Even without a serious accident, annual check-ups are crucial to maintaining long-term health • It’s required

7. The ACA: What’s Already in Effect? • Under 26? You can stay on your parent’s plan • No co-pays for recommended screenings, counseling, and well-woman visits • Under 19? You cannot be denied for pre-existing conditions • Insurance companies must spend at least 80% of premiums on health care services (depending on plan)

8. Well-woman visits • Support for breastfeeding • Domestic violence screenings and counseling • Mammograms and cancer screenings Women’s Preventive Services

9. Contraception • As of August 2012, new health plans cover contraception with no co-pay • Most plans saw this change in January 2013 • Religious institutions exempt • Covers the pill, Nuvarings, Depo shots • Does not cover condoms or male contraception

10. Health Insurance Marketplace: HealthCare.Gov • What is HealthCare.Gov? • Website to compare and shop for health plans • See eligibility for tax credits and Medicaid • HealthCare.Gov • Telephone Hotline: 1-800-318-2596 • In person assistance

11. AHCCS: Medicaid • Arizona chose to expand Medicaid for all people making under 133% of the Federal Poverty Level (about $15,000/year) • If you work 30 hours a week at $8.25/hour, you could qualify for Medicaid. • Covers hospital visits, prescription drugs, mental health services, and many other types of care

12. What About Tax Credits? • Four tiers of plans – Bronze, Silver, Gold, and Platinum • Tax credits are calculated based on Silver plan • You can use your tax credit for any plan • Tax credits will change with income

13. Catastrophic Plans • Available to: • Young adults under 30; OR • Those unable to find a plan costing less than 8% of income • What it covers: • Three primary care visits a year • Preventive services without co-pay or deductible • Further services, but with high deductible http://blog.themistrading.com/wp-content/uploads/2012/06/lucy.jpg

14. Catastrophic Plans Caution! • Very high deductible • Tax credits DO NOT apply http://www.driversedguru.com/wp-content/gallery/becky-images/yellow-light.jpeg

15. Open Enrollment • Runs from October 1, 2013 to March 31, 2014 • Must be enrolled and pay first month’s premium by December 15, 2014 for coverage to start January 1, 2014 • Special Exception • Turn 26 • Lose your job • Graduate and lose Student Health Plan coverage

16. Individual Mandate and Penalties • Individuals must have qualifying health insurance • If not, penalties • min. $95 the first year • min. $695 by 2016 • Varies by income • Exemptions • Native Americans • Religious reasons • Incarcerated individuals Picture Source: http://thepinkleague.com/2012/08/30/so-whats-the-lowdown-the-basics-of-football-part-2/

17. Coming in 2014 • No annual limits • No one can be denied for a pre-existing condition

18. Recap: The ACA Tailored for Young Adults • On employer or your parent’s coverage? You don’t have to do anything • Buying your own plan or currently uninsured? Check out HealthCare.gov • You must enroll by December 15 for coverage to start January 1 • Talk to a Navigator or In Person Counselor for more information Picture Source: http://wymancenter.org/the-importance-of-bulking-up-the-muscle-of-perseverance/

19. Your Health Care Finder • Find doctors and Community Health Centers in your area • Search by location with GPS or zip code • Search by name or category • Shows user ratings of doctors in the area

20. Mobile App Explains Common FAQs • How to find health insurance for different people • Explains the health care law • Defines common health insurance terms

21. How Can You Help? • Huge gap in awareness • 71%of uninsured 18-29 year olds don’t know of new options for insurance • 83%of the Medicaid expansion population doesn’t know of new options for insurance

22. How Can You Help? • Send or call us with ideas to grab the attention of other young adults on your campus or in your community • Pass along information through social media and word of mouth • Young Invincibles Mobile App • So, You Need Health Insurance. Now What?arizonapirgedfund.org/healthinsurance101 • Hold an event on campus to help get the word out: • distribute information at a table, • host a speaker for your organization, • organize a health & wellness fair.

23. How Can You Help? • Volunteer with organizations like Young Invincibles or Arizona PIRG Education Fund • Share your story • #GetCovered • Health.YoungInvincibles.org

24. Keep in Touch • Like us on Facebook • Follow us @YI_Care • Go to Health.YoungInvincibles.org Contact Information: Erin Hemlin Erin.Hemlin@younginvincibles.org Office: (713)-410-7241

25. Keep in Touch Diane E. Brown dbrown@arizonapirg.org (602)252-9227 www.arizonapirgedfund.org Facebook.com/ArizonaPIRG Twitter.com/ArizonaPIRG