get covered ohio: working with enroll america to maximize ...€¦ · affordable care act enroll...

Get Covered Ohio: Working with Enroll America to Maximize Enrollment

Hugh F. “Trey” Daly III, Ohio State Director, Enroll America513-659-0187 tdaly@enrollamerica.org

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Maximize the number of uninsured Americans who enroll in health coverage made available by the

Affordable Care Act

Enroll America will help deliver on the promise of affordable health care for millions of Americans

Enroll America will execute a national enrollment campaign using cutting-edge engagement strategies and will continue to build coalitions + share best practices

Our Mission

Who we are

Maximize the number of uninsured who get

new health insurance made available by the

Affordable Care Act

Not for profit

Community-Based

Non political

OBJECTIVES

• Messaging to the Uninsured

• Partnering with Get Covered America

oYou do Enrollment / We do Outreach

oGet Covered Data

oCoordinating Events

• Healthcare.gov Work Arounds

• Regional Marketplace Assister Workgroups

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The Enrollment Opportunity

Eligible for Medicaid Expansion

Eligible for Exchange Subsidies

Not Eligible Due to Income

Not Eligible Due to Immigration Status

41% 37% 9% 13%

49 Million Total Nonelderly Uninsured

All States Expand Medicaid

The 2014 Enrollment Challenge

0

5

10

15

Source: July 2012 CBO estimates

Mill

ion

s

Enroll more than16 million people in new coverage options

} 9 million in Exchange coverage

7 million in Medicaid or CHIP}6

The uninsured are a diverse group

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AgeGender

EthnicityIncome (as % of Poverty Level

Male55%

Female45%

<13851%

139-40038%

19-2517%

<1816%

26-3421%

35-5434%

55-6412%

400+10%

White45%Latino

32%

AfAm15%

Other8%

Source: Kaiser Commission on Medicaid & The Uninsured, October 2012

Two thirds of the uninsured live in 13 states

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Uninsured by State

<230K 230K -600K

600K -1.1M

1.1M+

Number of Uninsured

CA

TX

FL

NYILGA

NCOHPANJMI

AZ

VA

Rest of the U.S.

67% of uninsured live in 13 states

Source: Census Bureau, Current Population Survey, March 2011 and 2012

As a result, enrollment will be a challenge to overcome

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Enrollment in optional public benefit programs is well below 100%

Limited public awareness of benefits of recent health reforms

Program% of Eligible

Enrolled

Adult Medicaid 62%

Subsidized Medicare 33%

Medicare Rx benefit(low-income subsidy)

40%

Unemployment benefits 72-83%

Earned income tax credit 80-86%

SNAP (food stamps) 54-71%

of the uninsured don’t know about the new health insurance exchanges

of people who could be eligible for the new Medicaid expansion don’t know about it

78%

83%

Lack of awareness provides opportunity for education with effective messaging

Source: Enroll America, November 2012Source: ASPE, March 2012

Some Common Key Findings

1. Universal value of insurance

2. Cost and affordability are biggest barriers

3. Universal messages surrounding exchanges

4. Deep skepticism among consumers

Previous bad experience

Too good to be true5. Insurance is confusing

6. Latinos vastly overrepresented among uninsured

7. Everyone wants help enrolling in coverage

However, many have had negative

experiences shopping for coverage in

the past

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44% have shopped for health insurance outside their job and majority of these individuals have had one or more difficulties

17%

55%

66%

70%

77%

"I was denied for a pre-existing condition"

"Hard to know where to look to find a plan"

"Hard to find a plan that covered care I need"

"Hard to understand the fine print and…

"Hard to find a plan I could afford"

Source: Enroll America, November 2012

In Broad Messaging, Introduce Options with Top Facts

5 Clusters of Targets

1. Uninsured, Unnecessary & Uninterested (11%)

2. Reluctant but Reachable (10%)

3. Desperate and Believing (8%)

4. Connected, Low-income Women (9%)

5. Insured but At-Risk (13%)

Demographic Profile

18 to 64 at or below 400% FPL

Uninsured, Unnecessary & Uninterested (11%)

Skeptical, Young (Mostly) Men

Reluctant but Reachable (10%)Young, Diverse, Uninsured

Desperate & Believing (8%): Poorest, Sickest, Least Educated

Connected Low-Income Women (9%):The Medicaid/CHIP Connection

Insured but At-Risk (13%): Young, under 250% FPL

Fine Tuned Messages from the States

• The leading perceived benefit among several populations in several states

Peace of Mind

• A key message for womenPrevention

• Resonated most with men and young adults in some states

Protection from Financial Ruin or Injury

• Resonated with African Americans, Latinos, and Medicaid eligible

Access To Care

• Key message for low income, Medicaid eligible

Low cost or free health insurance coverage

• The biggest motivator in MassachusettsLaw and Associated

Penalties

Partnering with Get

Covered AmericaYou do Enrollment / We do Outreach

Get Covered Data

Coordinating Events

Hello!

.

Get Covered Data

Coordinate Events

Another Cool GCD Tool

Healthcare.gov Work Arounds

• Is the Consumer Eligible for a Tax Credit?

Healthcare.gov Work Arounds

Healthcare.gov Work Arounds

Healthcare.gov Work Arounds

Healthcare.gov Work Arounds

• What plans are available?

Healthcare.gov Work Arounds

• How Much Do Plans Cost?

Healthcare.gov Work Arounds

Premium Family

Premium Single Parent Family

Premium Couple*

Premium Child

Bronze $763.50 $518.71 $551.28 $136.96

Silver $904.57 $614.55 $653.13 $162.26

Gold $1089.47 $740.16 $786.63 $195.43

Platinum n/a n/a n/a n/a

Catastrophic $556.17 $377.85 $401.58 $99.77

Healthcare.gov Work Arounds

Premium Adult Individual Age 27

Premium Adult Individual Age 50*

Bronze $226.03 $385.20

Silver $267.79 $456.37

Gold $322.53 $549.66

Platinum n/a n/a

Catastrophic $164.65 $280.60

Healthcare.gov Work Arounds

• Do the Plans Cover My Provider / Drugs?

– Anthem Blue Cross Blue Shield

– CareSource

– Med Mutual

– Molina

Regional Marketplace Assister Groups

• SW Ohio Marketplace Assister Workgroup

• Contact: Trey Daly, Enroll America

• 513-659-0187 - tdaly@enrollamerica.org

• Next Meeting: 10/24/13, 11/7/13 3:00pm

• Location: Hamilton County Mental Health and Recovery Services Board, 2350 Auburn Avenue, Cincinnati 45219

Regional Marketplace Assister Groups

• NEO Outreach & Enrollment Council

• Contact: Stephanie Hicks Thompson, CHAP

• 216-200-8043 - hicks@chapohio.org

• Next Meeting: 10/29/13 3:00 pm – 4:30 pm

• Location: CHAP, 75 Erieview Plaza, 2nd Fl., Cleveland, Oh 44144

Regional Marketplace Assister Groups

• FQHC Certified Application Counselor Collaborative

• Contact: John Leite, Access Health Columbus

• (419)303-4081 -john@accesshealthcolumbus.org

• Next Meeting: 11/19/13, 12/17/13 8:30 am

• Location: Columbus Public Health, 240 Parsons, Room 119D, Columbus, OH 43215

Regional Marketplace Assister Groups

• Medicaid Outreach Consortium

• Contact: Kimberly Conner, Center for Healthy Communities

• kimberly.conner@wright.edu - 937-775-8254

• Next Meeting: 11/20/13, 8:30 – 10:00 am

• Location: Opportunity Center, 907 W. Fifth St, Dayton, OH 45402

Regional Marketplace Assister Groups

• Cover NW Ohio

• Contact: Brad Clark, Neighborhood Health Association

• 419-720-7883 ext. 204 -bclark@NHAINC.ORG

• Next Meeting: 10/25/13 2:00 pm

• Location: Mayores Senior Center, 2 Aurora Gonzales Drive, Toledo, OH 43609