Do you need assistance with Medicaid enrollment and renewal? NMAFC is partnering up with Affordable Care Act navigators from University of New Mexico’s Community Engagement Center every second Wednesday of the month. Call our office 505-717-2877 to make an appointment. Interpretation available upon request.
從九月開始，每兩周的一個周三（具體時間待通知）亞裔家庭中心將和新墨西哥大學Community Engagement 中心合作來幫助有需要的人士來申請各種醫療保險，包括Obama Care，Medicaid以及Medicare等。如果您有需要請致電NMAFC：505-506-4543。現場提供中文翻譯。
Updated 2/4/2015, quoted from NM Center of Law and Poverty:
Attached are some fact sheets that might help explain who is required to have health insurance under the ACA. If any of your clients have further questions regarding tax filing, you can send them to the UNM School of Law Tax Club. Their contact information is firstname.lastname@example.org or 272-3521. They have limited hours during the day so it is best to call beforehand to make sure they are open and to find out what documents they will need to prepare the return.
Maria T. Griego
NM Center on Law and Poverty
Please click here for the documents
Information quoted from Asian & Pacific Islander American Health Forum.
How Do I Get Help?
- I need help in a language other than English. What can I do?The Marketplace has a number of ways to get help. You can contact the call center 24 hours a day at 1-800-318-2596 and get help in many different languages. Every state will also have trained people in your community to help you understand the various coverage options and apply for health insurance through the Marketplace. They may be called Navigators, Certified Application Counselors, In-Person Assisters, or other similar terms. You can go to https://localhelp.healthcare.gov/ and enter your zip code or city and state to find someone near you who can help. See our State Fact Sheets for more information on getting in-person help in your state.
- I would prefer to get help in a language other than English. What can I do?The health insurance Marketplace call center can connect you with a language line to provide assistance in various languages at no cost to you. The Marketplace website (www.healthcare.gov) also has information to help you understand the Marketplace and insurance coverage options available in more languages. Some states have additional materials available in other languages. See our State Fact Sheets for more information on language assistance in your state.
- Can I apply for health coverage in a language other than English?Currently, the application is only available in English and Spanish. However, the federal government has created translated application “aids” (http://marketplace.cms.gov/getofficialresources/other-languages/other-languages-materials.html)) to help you fill out the application in an additional 13 languages.
What’s New and What Stays the Same?
- Can I keep my current health plan?Possibly. Your current health insurance plan may not be available anymore if it doesn’t cover certain standard benefits, such as preventive care services and prescription drug coverage, which all plans must now cover. If your plan already includes these standard benefits, which many do, you should be able to keep your current plan. Go to www.healthcare.gov (when it’s fixed!) to find out what your insurance options are.
- Will anything happen to my current health insurance coverage?Yes, depending on your health plan. Since 2010, group and individual health plans can no longer create lifetime limits or rescind coverage if you get sick. Insurance companies also can no longer create waiting periods and annual coverage limits. Many plans are now required to provide preventive care services at no cost, and plans beginning in 2014 can no longer deny coverage for pre-existing conditions.
- Will health reform increase my taxes?For 96% of Americans, it will not. If you have an annual income of $200,000 individually or $250,000 as a couple, certain tax increases may apply.
- I don’t have insurance because I am unemployed or cannot afford health coverage. Will health reform help me?Yes. There are several options that may apply to you: 1)Young adults up to age 26 can get covered under a parent’s health plan; 2)You may now be eligible for Medicaid, even if you weren’t before; 3) You can shop for more affordable health plans in the new health insurance Marketplace 4) You may be eligible for financial help to afford plans in the Marketplace
- I’ve been denied health insurance in the past because of previous illnesses. Are there options for me now?Yes. In June 2010, the federal government and several states established a temporary policy to provide coverage for people with pre-existing conditions. These plans expire in 2014, when group health plans and issuers of group and individual health plans will no longer be able to deny an individual coverage due to pre-existing conditions or otherwise discriminate based on an individual’s health status.
Health Insurance Marketplace
- What is the new Health Insurance Marketplace?The new health care law creates a new way to buy insurance: the Health Insurance Marketplace. Individuals and families can shop for, purchase, and enroll in health insurance that meets their budget all in one competitive marketplace. The Marketplace will be online and allow you to easily compare the price, benefits, and out-of-pocket costs between plans so you can choose a plan that works for you.
- Am I eligible to participate in the Marketplace?Citizens and lawfully present individuals living in the U.S. can participate. Undocumented immigrants are not eligible to purchase insurance plans sold in the Marketplace. Even if you aren’t a citizen, you can still purchase coverage in the Marketplace for your children or other family members who do qualify. More than one in ten Asian American families and one in eight Native Hawaiian and Pacific Islander families will be eligible to participate in the Marketplace.
- Will I be able to afford these new insurance plans?You could get a break on costs and might even be eligible for subsidies or new tax credits that you can use right away to help fit health insurance into your budget. If you make between $15,417 and $43,560 as an individual, or $25,571 and $74,120 for a family of three, you will qualify for these new options that will lower your monthly costs. Thanks to the new health care law, these new coverage options will provide good value for your money. All the new plans in the Marketplace will cover a core set of essential health benefits including preventive care and prescription drug coverage. Insurance companies won’t be able to deny coverage to people with pre-existing conditions or chronic illnesses like cancer or diabetes.
- Will buying and enrolling in coverage in the new Marketplace be safe?Sensitive information like your social security number or tax identification number must be provided only if you are applying for your own health insurance coverage. If you are applying for insurance for your spouse or child, you only need to provide this information for those parties and not for yourself.It’s important to remember that when the application asks about the applicant’s (that’s the person who is requesting insurance) immigration status, that information will only be used to determine if they are eligible to enroll. Providing information about one’s immigration status will not be used for immigration enforcement or other purposes.
- How can I enroll in the new Marketplace?Open enrollment begins on October 1, 2013. Because your state’s Marketplace will be accessible online throughwww.healthcare.gov, you can shop and sign-up for your insurance plan at your convenience. The Marketplace’s streamlined application process ensures a no “wrong door” system so even if you apply for private insurance through the Marketplace, you will be seamlessly redirected to Medicaid if you are eligible. For those with limited access to on-line services, traditional paper applications are also available as are toll-free helplines and in-person application assistance.
Purchasing Health Insurance for Families and Individuals
- Do I have to purchase health coverage?Generally yes. Starting January 1, 2014, to most individuals in the United States will be required to buy insurance or pay a penalty. There are a limited number of exceptions and exemptions to this requirement including for those who are undocumented, face a hardship, or who obtain a religious exemption.
- What is a health insurance Marketplace?The Marketplace provides an easy way to apply for health insurance that meets your budget and is the right fit for you. By completing a single application, you can find out what health plans are available to you and your family, compare monthly costs for each plan, and enroll in coverage. Depending on your income, you may qualify for financial help to lower your monthly cost. You can also see if you or your family members qualify for health insurance programs for lower-income residents, such as Medicaid. Visit www.healthcare.gov to learn more.
- How can I access the Marketplace in my state?Visit: www.healthcare.gov and click on “Find the Marketplace in your state.”
- I heard that there is financial help through tax credits to make private insurance more affordable. Do I qualify for a tax credit and if so, where do I apply?Individuals and families may get a discount on their monthly premium through a new tax credit if they purchase health insurance through the Marketplace. Individuals with an annual income of less than $46,000 a year, and a family of four with an annual income of less than $94,000, will generally qualify for the discount. To see if you’re eligible for the discount and apply for coverage, visit www.healthcare.gov and find the health insurance Marketplace in your state.
- How do I know which of the new health insurance options my family or I qualify for?Your eligibility for Medicaid, CHIP (Children’s Health Insurance Program) and Marketplace plans will all be determined through one single application. Therefore, whether you apply in person, by mail, online or by telephone, you only need to apply once to be provided with all of your coverage options.
- Health insurance has always been more expensive for women and older individuals. Will the new law help?Yes. Starting in 2014, health insurance plans can no longer charge women or small employers with a predominately female workforce a higher amount for coverage. Health reform also limits (but does not prohibit) premium increases for older adults.
- How much can I expect to pay for health insurance?The cost of insurance varies depending on where you live, income, family size, and the type of plan you choose. Go to www.healthcare.gov to find out what you qualify for.
- I have health insurance but cannot afford to go to the doctor because of the co-pays and out-of-pocket costs. Will health reform make using my health coverage more affordable?Yes. Since 2010, many health plans no longer charge out-of-pocket costs for a number of preventive services such as recommended screenings, immunizations, and exams. Also, if your income is about $28,000 for an individual and $58,000 for a family of four (less than 250% of the Federal Poverty Level) and you do not receive coverage under Medicaid or CHIP, you may be eligible for cost-sharing reductions to limit your out-of-pocket expenses.
Purchasing Health Insurance for Small Business Owners
- I am a small business owner. Do I have to provide coverage?If you have less than 50 full-time equivalent employees, you are not required to provide health insurance coverage for employees. Beginning in 2015, only businesses with 50 or more full-time equivalent employees will be required to provide coverage.
- Is there help for small business owners who want to provide coverage?Yes. Every state has a Small Business Health Options Program (SHOP) Marketplace where employers with less than 50 full-time equivalent employees can shop for health plans for their employees. Additionally, since 2010, small businesses that employ up to 25 full-time or full-time equivalent employees and fall within acceptable average annual wage limits are eligible to receive a tax credit for contributing to their employees’ health coverage. Go to: https://www.healthcare.gov/what-is-the-shopmarketplace/ for more information.
Impact on Immigrants and Other Non-Citizens
- I’m an immigrant. Can I purchase health coverage?
- I’m a U.S. national, COFA migrant or other non-citizen. Do I have options for health coverage?
- Some members of my family are legal immigrants or citizens and some are undocumented. Can those with legal status still enroll in a health plan in the Marketplace and receive financial help?
- I’m an immigrant. Can I enroll in Medicaid or CHIP?
- I am an undocumented immigrant. Do I have new options for health coverage?
Impact on U.S. Territories
- Do residents of the U.S. Territories have to purchase health insurance?
- Will the U.S. Territories have a Marketplace?
- Will residents of the U.S. Territories receive the same consumer protections in the insurance market as residents of the States?