Sunday, September 29, 2013

What should you know if you get a letter telling you that your BadgerCare Plus or Core benefits may be ending.

You may soon get a letter telling you that your BadgerCare eligibility may end at the end of December because of your income. The letter also tells you to apply for health insurance through the Health Insurance Marketplace.
  • If you receive this letter, here’s what you need to know – You may still be eligible for BadgerCare in 2014 because the income counting rules are changing. BadgerCare will not start using the new rules until January 2014.
  •  The Health Insurance Marketplace will use the new income counting rules beginning October 1, 2013. If you apply for insurance through the Marketplace anytime after October 1, 2013, the Marketplace will use the new rules to decide whether you can keep your BadgerCare in 2014.
  • If the Marketplace decides that you will still be eligible for BadgerCare in 2014, BadgerCare will accept that decision and you will keep your BadgerCare. You will get a letter from BadgerCare telling you that you are still eligible in 2014.
  •  If the Marketplace decides that you are not eligible for BadgerCare you will need to enroll in insurance through the Marketplace. The Marketplace will help you enroll. The federal government will pay part of your premium. Most people who are now on BadgerCare will also be eligible for limits on co-pays and deductibles.
Here’s what you should do -
  •  Because marketplace will apply the new income rules beginning October 1 but BadgerCare will not, the best way to tell whether you will still be eligible for BadgerCare in 2014 is to apply through the Health Insurance Marketplace. It is also called the Federally Facilitated Marketplace or the Exchange. Apply as soon as you can, beginning October 1, 2013.
  •  To find out how to apply for health insurance, including BadgerCare and Medical Assistance through the Marketplace, and how you can get help paying for insurance, and limit your co-pays and deductibles, go to:

Or call 1-800-318-2596, 24 hours a day, 7 days a week. (TTY: 1-855-889-4325)

Prepared by Legal Action of Wisconsin, Inc.
September 2013

Friday, September 20, 2013

Thousands losing Medicaid will be steered to Obamacare

Affordable Care Act Info
Covering Kids & Families, a Madison-based statewide health care advocacy coalition, offers information on its website about the Affordable Care Act, including how to obtain health care coverage. Access the site
Posted: Sunday, September 15, 2013 12:27 am | Updated: 12:29 am, Sun Sep 15, 2013.
Associated Press | 2 comments
Community organizers throughout Wisconsin plan to begin offering sessions as early as Oct. 2 to help people being removed from the state’s Medicaid program next year to assess other health care options.
Republican Gov. Scott Walker rejected federal money to expand Medicaid coverage through the state’s BadgerCare program, and instead the state will reduce enrollment by an estimated 92,000 people. The state plans to start sending letters later this month to those who will lose coverage after Dec. 31.
Those residents are expected to seek health insurance through a new online exchange being set up by the federal government as part of the Affordable Care Act, the nation’s health care reform law often referred to as Obamacare. The exchange will allow people to shop for health insurance and compare plans, but advocates worry that many low-income residents have limited access to the Internet and could have difficulty figuring out their best options.
“There could be issues around literacy. They may not be English-speaking, they may be homeless. They could get the notice in late September, and they may not understand it,” said Molly Bandt, director of Covering Kids & Families, a Madison-based statewide health care advocacy coalition. “There are still things to work out — although, on the positive end, there’s a lot of energy in trying to get the word out.”
Covering Kids & Families, which works to get children and families enrolled in Medicaid programs, is among the groups planning seminars at job centers, schools and libraries across the state. Trainers will discuss the Affordable Care Act, explain what is and isn’t changing, and help people figure out which plans work best for them.
The Milwaukee Health Care Partnership has been asking churches, community leaders and advocacy organizations to help reach out to low-income people losing their coverage. The idea is that it would be most effective to reach people through those they already know and trust, executive director Joy Tapper said. Pastors and neighbors can contact Medicaid recipients, let them know about the coming changes and direct them to the partnership for more information, she said.
That strategy worked well in Massachusetts, where organizers identified word-of-mouth as one of the most critical factors in successful outreach after the state implemented its own health care reform plan, Tapper said.
“The best thing is for people to hear from trusted sources,” she said.
As of Jan. 1, Medicaid coverage will be available only to people living in poverty. Previously, it was available to some residents earning as much as 140 percent of the federal poverty level. Along with the 92,000 people being removed from the rolls, community groups are looking to help 400,000 people who currently have no medical insurance.
Residents can start signing up for insurance through the exchange on Oct. 1.
To help, the Northwest Wisconsin Concentrated Employment Program in Ashland is aiming to hold at least four informational sessions in each of 27 counties across western and northwestern Wisconsin.
Marcy Pratt, the group’s chief financial officer, said the sessions will target consumers who will be getting insurance through the federal exchange and small businesses who may want to start offering insurance for their employees.
Leaders in several community groups worried that people might try to avoid dealing with the issue because it seems too daunting or they don’t have time because they’re working two jobs to make ends meet.
“It’s going to be a rough, bumpy ride for the first year at least,” predicted Bobby Peterson, executive director for ABC for Health, a nonprofit law firm in Madison that helps people get health care. “Unfortunately the infrastructure for assistance is fairly limited right now. We’re just trying to develop materials that will help folks understand what’s going on.”