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2011-2014 CAANH's Multi Year Report

2007-2010 CAANH's Multi Year Report

 


 CAANH NEWSLETTER (Vol. 8, Issue 2)

 To access all our newsletters click HERE.CAANH May 2014 Newsletter


 

 

IMPORTANT INFORMATION

CAANH's Privacy Policy -  to read it, click on Privacy Policy at bottom of every page.

Energy Assistance Income Guidelines

2011 - 2014 CAANH Multi-Year Report

2007 - 2010 CAANH Multi-Year Report

Link to Core Education Standards

Link to Food Pantry Donation Invitation


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Assister Program

CAANH is enrolling people for affordable health care during the following dates.

The open enrollment period begins November 15, 2014 and ends February 15, 2015  

To schedule an appointment, please call 203-387-7700 Ext 193 
Leave your name and number and someone will return your call.

FREQUENTLY ASKED QUESTIONS (FAQ’s) about The Affordable Care Act  (also known as Obamacare)

1.      When can I enroll?  Enrollment is November 15, 2014 - February 15, 2015

2.      What do I need to bring to get enrolled?

a.  Employer and income information for everyone in your family if they are also being insured (paystubs, W-2
  forms, or wage and tax statements).  Your last 4 consecutive pay stubs (or 2 if paid bi-weekly)
b.  Tax return for the current year (1040)
c.  Photo ID (birth certificate for minors)
d.  Proof of residency or document numbers for legal immigrants
e.  Social Security number and birthdates for everyone being insured
f.   Permanent Resident Card
g.  Policy numbers for any current health insurance and information about any job-related health insurance available to your family

3.      What plan should I get?
The insurers offering plans for individuals and families include:   Anthem, HealthCT and ConnectiCare Benefits Inc., and MetLife for stand-alone dental coverage only.

There's three basic categories of insurance coverage rated bronze, silver and gold depending on the type of coverage, but all have to meet a basic standard of care.  Bronze is the cheapest in terms of premiums, but has larger deductibles and copays, while the gold plan costs more and also covers more ... but has a lower deductible.
 
4.      What will it cover?   All plans provide the same set of 'essential health benefits' including: 

a.   Ambulatory patient services (outpatient care you get without being admitted to a hospital)
b.   Emergency Services
c.   Hospitalization (such as surgery)
d.   Maternity and newborn care (care before and after your baby is born)
e.   Mental health and substance use disorder services, including behavioral health treatment (includes counseling and psychotherapy)
f.   Prescription drugs
g.   Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions or recovering mental and physical skills)
h.   Laboratory services
i.   Preventive and wellness services and chronic disease management

Preventative health care services for women are available without extra cost under all new insurance plans including:  well woman visits;  DNA testing (pap) for cervical cancer;  contraceptive counseling;  STI and HIV screenings and counseling;  gestational diabetes screenings;  domestic violence screening and counseling.

5.      Can I get coverage if I have a pre-existing health condition?
YES.   As of 2014, you cannot be denied coverage or charged more for medical coverage just because you have a pre-existing health condition.

6.      Can a same-sex married couple obtain health care coverage?
YES.   In Connecticut, 'marriage' is defined as the legal union of two persons.

7.      Can I afford it?
Many people are eligible for tax credits to make their insurance more affordable and wont have to pay the whole premium themselves.

8.      What are the improvements?
Everyone is entitled to get insurance even if they're sick;  prices will come down for older people;  pre-existing conditions are no longer excluded;  men and women will now pay the same price for insurance, and prices for younger people will go up, but they can stay on their parent's plan until the age of 26.

9.      Why not just wait until I'm sick to get insurance?
Medical insurance signups are only available during special enrollment periods.

10.     What is special enrollment?
If you have not signed up during the enrollment period, the following exceptions will allow you to enroll/apply anytime within 60 days from the event.  They are considered "Qualifying Life Events" and include:

a.   Getting married to someone who is already enrolled
b.   Having or adopting a child
c.   Permanently moving to Connecticut from another state
d.   Losing other health coverage due to a job loss or divorce
e.   Note:  Voluntarily quitting other health coverage or being terminated for not paying your premiums are not considered loss of coverage
f.   Loss of eligibility for Medicaid or CHIP, expiration of COBRA coverage

11.     What if I don't get insurance?
There's an individual mandate that anyone without insurance will pay a pentalty fine.  If you don't opt for insurance, as of January 1, 2015,  you'll pay $325 or 2% of your gross household income over the federal  income tax filing threshold -  whichever is greater.  The federal income tax filing threshold is $9,500 for an individual or $19,500 if married filing jointly.  It will increase yearly and for 2016, it's $695 or 2.5% of your gross.  If you are an employer with more than 50 full time equivalent employees and do not provide insurance to your employees, you may be subject to penalties beginning in 2014.

12.      Who's paying for it?  
Everyone is paying for it through their taxes, however wealthy individuals will be paying more into medicare; the health industry is targeted, and hospitals and insurance companies will be paid somewhat less. 

13.       How can I get more information?
 General information is available at http://www.accesshealthct.com.   
 And frequently asked questions at http://learn.accesshealthct.com/faqs/ 

14.      How do I apply for insurance at CAANH?   Call 203-387-7700 Ext 193 and leave your name and number, and someone will return your call to schedule an appointment and answer questions.  We ask about income and other information to let you know what coverage you qualify for and if you can get any help paying for it.  All information is private and secure as required by law. 

CAANH receives funding from Access Health CT to participate in the state's Assister Program.  The goal of the program is to help the uninsured and underinsured acquire affordable healthcare insurance.  Through this program, a CAANH caseworker will assist clients with the enrollment process. Getting clients and their families enrolled in affordable healthcare plans is a requirement of the federal Patient Protection and Affordable Care Act (ACA).  

General information is available at http://www.accesshealthct.com