CMS Updates May 28, 2014

 Final ASPE Report: pr2014/ib_2014Apr_enrollment.pdf pr2014/ib_2014Apr_enrollment.pdf  Report Highlights: Number of Eligible Persons who have Selected a Plan through the SBMs and FFM: 8 million An additional 5 million may have purchased off-Marketplace Number of Persons who have had a Medicaid/CHIP Determination or Assessment through the Marketplaces: 6.7 million (does not include individuals applying through State Medicaid/CHIP agencies.) 20 percent of the persons who have selected a Marketplace plan have selected a Bronze plan / 65 percent selected a Silver plan 85 percent of the persons who have selected a Marketplace plan have selected a Marketplace Plan with Financial Assistance. 46% Male/ 54% Female Marketplace Enrollment Summary

 States with Highest Marketplace Enrollment: California (1,405,102, SBM) Florida (983,775, FFM) Texas (733,757, FFM) New York (370,451, SBM ) North Carolina (357,584, SBM) 15 SBMs enrolled 2,573, FFMs enrolled 5,446,178

Key policies include:  Standardizing Notices to Improve Consumer Education and Choices  Strengthening the Prescription Drug Exceptions Process  Implementing Quality Standards  Providing Additional Options for SHOP in 2015  Strengthening Standards for Navigators and Other Assisters  Clarifies Premium Stabilization Policies  Source: and-FAQs/marketstandards htmlhttp:// and-FAQs/marketstandards html Exchange and Insurance Market Standards for 2015 and Beyond 5/28/2014CMS Updates to the Cover Arizona Coalition

Special Enrollment Periods New Fact Sheets Posted to Marketplace.gov SEP for People with COBRA: for-consumers-with-cobra.pdfhttp://marketplace.cms.gov/help-us/sep- for-consumers-with-cobra.pdf SEP People with Individual Market Plans coming up for renewal outside of the open enrollment period: SEP and Hardship Exemption for AmeriCorps Members: Hardship Exemption for Consumers Who Obtained Coverage Outside the Marketplace That is Effective May 1, 2014: exemptionoep.pdf exemptionoep.pdf Assisting Young Adults Enrolling in the Marketplace Outside Open Enrollment: adults.pdfhttp://marketplace.cms.gov/help-us/assisting-young- adults.pdf 5/28/2014CMS Updates to the Cover Arizona Coalition

People with COBRA  May not have been adequately informed of the available options  Can disenroll from COBRA and enroll into a Marketplace plan  One time SEP  Call the Marketplace call center  Select a plan by July 1, 2014  Refer to publication: consumers-with-cobra.pdf consumers-with-cobra.pdf Special Enrollment Periods 5/28/2014CMS Updates to the Cover Arizona Coalition

Non-Renewing Individual Market plans (non QHP plans)  Consumers choosing not to renew  Report up to 60 days before the renewal date  Must select a plan within 60 days after the renewal date  Apply online  Refer to publication: renewal.pdf renewal.pdf Special Enrollment Periods 5/28/2014CMS Updates to the Cover Arizona Coalition

AmeriCorps/VISTA/National Civilian Corps Members  Members and their dependents with no coverage or coverage not considered minimum essential coverage  eligible to enroll when they experience the following triggering events:  on the date they begin their service terms; and  on the date they lose any coverage after their service term ends  have 60 days to select a plan  Refer to publication: us/ americorp-sepfinal.pdfhttp://marketplace.cms.gov/help- us/ americorp-sepfinal.pdf 5/28/2014CMS Updates to the Cover Arizona Coalition Special Enrollment Periods

 Young adults maybe eligible for a SEP when he/she  graduates and lose coverage,  otherwise leave college  age off their parent’s plan when he/she turn 26  Refer to: adults.pdf SEPS for young adults who lose health insurance

 Losing employer-sponsored coverage- ongoing SEP  Two options – choose only one  Get an individual Marketplace plan  60 days to enroll from the date the existing coverage ends  apply online or call the Marketplace call center  Get COBRA coverage  generally, will not be able get a Marketplace plan outside of the open enrollment period  Refer to publication: consumers-losing-coverage.pdf consumers-losing-coverage.pdf Consumers who are losing employer sponsored coverage 5/28/2014CMS Updates to the Cover Arizona Coalition

 Extended coverage for children who -  Aged out to foster care, and  Had previously received Medicaid  Former foster children will remain eligible for full scope Medicaid until they turn 26  Refer to: bility.html and x bility.html x Extended coverage for former foster children 5/28/2014CMS Updates to the Cover Arizona Coalition

Hardship Exemptions and Tips  Source:  Ensure the applicant completes all questions for every adult in the tax household and any dependent child who also needs the exemption  Encourage consumers to submit any supporting documents requested on the application  Missing information may delay processing  Originals (other than the application itself) should not be sent. Applicants should keep a copy of completed application and all documents sent to the Marketplace, along with proof od mailing. 5/28/2014CMS Updates to the Cover Arizona Coalition

Hardship Exemptions Source: 1.You were homeless. 2.You were evicted in the past 6 months or were facing eviction or foreclosure. 3.You received a shut-off notice from a utility company. 4.You recently experienced domestic violence. 5.You recently experienced the death of a close family member. 6.You experienced a fire, flood, or other natural or human-caused disaster that caused substantial damage to your property. 5/28/2014CMS Updates to the Cover Arizona Coalition

Hardship Exemptions 7.You filed for bankruptcy in the last 6 months. 8.You had medical expenses you couldn’t pay in the last 24 months. 9.You experienced unexpected increases in necessary expenses due to caring for an ill, disabled, or aging family member. 10.You expect to claim a child as a tax dependent who’s been denied coverage in Medicaid and CHIP, and another person is required by court order to give medical support to the child. In this case, you do not have the pay the penalty for the child. 5/28/2014CMS Updates to the Cover Arizona Coalition

11.Appeals decision found the individual eligible for enrollment in a QHP for time period when he or she wasn’t enrolled in a QHP. 12.Doesn’t qualify for Medicaid solely based on a state’s decision not to expand Medicaid eligibility. 13.Your individual insurance plan was cancelled and you believe other Marketplace plans are unaffordable. 14.You experienced another hardship in obtaining health insurance. Used for situations which don’t fit in other hardship categories, OR may be used for specific scenarios described in CMS guidance (ex: new guidance for AmeriCorps, VISTA, and NCCC members). Hardship Exemptions 5/28/2014CMS Updates to the Cover Arizona Coalition

Uniform Glossary A consumer resource to help people understand some of the most common but confusing jargon used in health insurance. Source: glossary-final.pdfhttp:// glossary-final.pdf 5/28/2014CMS Updates to the Cover Arizona Coalition

Purpose:  Allows consumers to make “apples-to-apples” comparisons when looking at different plans. What it is:  An easy-to-understand summary about a health plan’s  benefits and coverage.  All individual and group health plans must use the same standard form to help compare plans and provide it to consumers prior to enrollment, at renewal, and anytime upon request, for example. Summary of Benefits & Coverage

 Consumers have the right to get an SBC when shopping for, enrolling in, or renewing coverage.  The SBC is available for every plan in the Marketplace. Consumers will find a Web link to it on each plan page when they enroll through HC.gov.  Consumers also have a right to receive an SBC from their insurance company or group health plan upon request at any time. Consumers may be able to request an SBC in Spanish, Chinese, Tagalog, or Navajo. Summary of Benefits & Coverage