Presented by Donald Rickenbaugh Direct Service Supervisor Center for Independence of the Disabled, NY

 Consequences of not having health insurance  Benefits of having health insurance

 1.2 million people under the age of 65yrs.  Roughly half of those uninsured are eligible for free or low cost public health insurance Why?

 They don’t know what free or low cost programs are out there  They think it is only for people that don’t work  They have the wrong information about who can get it  They don’t speak English or they don’t know where to go to get help in their language  More….

 Medicaid  Medicare  Some Private Insurance

 Medicaid  Family Health Plus  Child Health Plus  All three offer free or low-cost health insurance for eligible people

 Free health insurance for people with low incomes  Covers most health care services including: Regular checkups Hospital Services Emergency room care Medical Equipment Prescriptions Transportation to and from doctor’s appointments Homecare services Nursing home care Dental services

 Income Limits  Resource Limits  Immigration Status  Residency  Other Factors

 Family Health Plus is only available to people with children? False

 Income Limits  Resource Limits  Immigration Status  Residency  Other Factors

 Higher income limits then Medicaid  Free health insurance  Offers comprehensive coverage

 All uninsured children residing in NYC are eligible for public health insurance? True  Only people born in the US or who are US citizens are eligible for public health insurance? False

 Comprehensive health insurance  Covers ALL uninsured children who reside in New York State who are NOT Medicaid eligible  Free for families with low incomes  Low Monthly premiums for higher income families

 Once you get public health insurance, you don’t have to renew it every year? False

 50% of all New Yorkers enrolled in public health insurance lose coverage each year  Most due to failure to recertify

 Makes sure client information is up to date  Makes sure clients are still eligible FAILURE TO RECERTIFY MEANS THAT COVERAGE WILL STOP!

 Why do you think that people don’t recertify?

 Medicaid Spend Down  Medicaid Buy IN for Working People with Disabilities  Pooled Trusts  Special Needs Trusts

 You receive when your on: Social Security Disability Social Security Retirement From your parents or spouse

 Most people have “Original Medicare”  Traditional program designed in 1965  It’s accepted by most doctors and hospitals in the country

 Part A: Hospitals, free for those who have 10yrs work (40 quarters)  Part B: Doctors, in 2009 the cost is $96 monthly  Part C: Medicare Advantage Plan  Part D: Medication, depends on what plan you choose

 Health & Hospital Corporations (HHC)  All City hospitals will give you services on a sliding scale, it could be as little as $40 per visit  Health New York  COBRA

 In certain jobs that are freelance, there are ways for you to join a group insurance. Musicians Artists Actors

Donald Rickenbaugh