Get Covered Ohio: Working with Enroll America to Maximize Enrollment
Hugh F. “Trey” Daly III, Ohio State Director, Enroll America513-659-0187 [email protected]
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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 - [email protected]
• 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 - [email protected]
• 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 [email protected]
• 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
• [email protected] - 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 [email protected]
• Next Meeting: 10/25/13 2:00 pm
• Location: Mayores Senior Center, 2 Aurora Gonzales Drive, Toledo, OH 43609