the affordable care act (obamacare) and health

the affordable care act (obamacare) and health

THE AFFORDABLE CARE ACT (OBAMACARE)
AND HEALTH INSURANCE FOR YOUR FAMILY
32BJ members have been getting letters from their employers about the Marketplace.
The government requires employers to send these letters. They’re intended to notify
employees who don’t have family coverage that they have the opportunity under
Obamacare to purchase health coverage on the Marketplace. The Marketplace is
sometimes called the Exchange.
TYPES OF COVERAGE
32BJ FAMILY COVERAGE
If you and your dependents have family coverage from a 32BJ health plan, you’re already covered.
Don’t go to the Marketplace for coverage. Any notice you get about the Marketplace doesn’t apply to
you and your family.
If you have or are offered family coverage by your employer, but it’s not from a 32BJ plan, you
should speak with a Navigator (see list) about your options.
SINGLE COVERAGE
If you have single coverage (that is, insurance that only covers you) and your spouse and dependents
don’t have health coverage, the Marketplace is a good place for your dependents to go to purchase
coverage.
NO COVERAGE
If you and your family members don’t have coverage, all of you can use the Marketplace to purchase
coverage.
HELP AND MORE INFORMATION
GETTING HELP FROM A NAVIGATOR
A Navigator is a government-funded coordinator whose job it is to help people navigate the
Marketplace and the new health care system. In D.C. and Maryland, the new health care system
includes expanded Medicaid coverage. The easiest way to figure out whether you and your
dependents are eligible for Medicaid, CHIP (a good alternative for kids) or coverage and subsidies
from the Marketplace is to consult a Navigator.
The Marketplace offers four levels of benefits (higher or lower deductibles, co-pays, etc.) from
different insurance companies. The Navigator also can help you figure out what level and company
are best for you and your family.
continued
32BJ SEIU, 25 West 18th Street, New York, NY 10011 • www.seiu32bj.org
See the list of the names, e-mail addresses, and telephone numbers of the Navigators in 32BJ’s area
in D.C., Maryland, and Virginia.
MORE ABOUT THE MARKETPLACE
The Marketplace is where people who aren’t covered can purchase health coverage. Beginning
January 1, 2014, everyone is required to have health coverage.
In D.C., the Marketplace is called DC Health Link. The website is www.dchealthlink.com.
In Maryland, the Marketplace is called Maryland Health Connection. The website is
www.marylandhealthconnection.gov. In Virginia, the Marketplace is called The Health
Insurance Marketplace. The website is www.healthcare.gov. The Marketplace opened
October 1, 2013 for people to purchase coverage that will take effect on January 1, 2014.
In D.C., you can go to www.dchealthlink.com to apply for coverage. In Maryland, you can go
to www.marylandhealthconnection.gov to apply for coverage. In Virginia, you can go to
www.healthcare.gov to apply for coverage. Better still, you can consult with a Navigator whose
job it is to help people navigate the Marketplace and the new health care system. Enrollment for
2014 coverage closes on March 31, 2014; after that you can purchase 2014 coverage through the
Marketplace only if there is a special circumstance, like losing your job, a child is born, divorce.
Any health coverage that is bought at the Marketplace will cost money. However, some people who
purchase in the Marketplace will qualify for government subsidies.
To purchase coverage in the Marketplace you:
• Must be U.S. citizen or lawfully present in the U.S.
• Can’t be eligible for Medicaid, CHIP or Medicare.
To qualify for a subsidy, you can’t have family income that exceeds certain levels.
SUBSIDIES
Subsidies through the Marketplace depend on family income and size.
For example, a family of four with yearly income of $45,000 can purchase a “silver plan” (there are
four levels of plans: platinum, gold, silver and bronze) for about $220 per month. That plan would
have cost $822 monthly without the subsidy, so the subsidy will save $602 monthly.
And a single person earning $12 an hour and working full-time ($24,960 annually) can purchase a
silver plan for about $143 monthly. The plan would have cost $252 monthly without the subsidy, so
the subsidy will save $109 monthly.
For a simple way to find out whether your family income and size qualify you for a subsidy, go
to www.kff.org, the Kaiser Family Foundation website. On the website, use the Health Insurance
Subsidy Calculator. It’s quick and easy. A Navigator can also help you figure this out.
FREQUENTLY ASKED QUESTIONS (FAQS)
The Kaiser Family Foundation has answers to dozens of FAQs about health care reform. It’s
informative and easy to use. Go to www.kff.org and click on “Understanding the ACA” and
then “FAQs.”
OBAMACARE. LA LEY DE SALUD ASEQUIBLE
Y EL SEGURO DE SALUD PARA SU FAMILIA
Nuestro afiliados han estado recibiendo cartas de sus empleadores acerca del Obamacare
(La Nueva Ley sobre el Seguro de Salud). El gobierno requiere que los empleadores
manden estas cartas. El propósito de estas cartas es notificar a los empleados que no
tienen cobertura familiar que tienen la oportunidad de comprar cobertura médica en el
Mercado en Internet bajo Obamacare. El Mercado en Internet también es conocido como
el Intercambio (Exchange).
TIPOS DE COBERTURA
COBERTURA FAMILIAR 32BJ
Si usted y sus dependientes tienen cobertura familiar de un Plan Medico 32BJ, ya están cubiertos.
No vaya al Mercado en Internet para buscar cobertura. Cualquier noticia que usted reciba acerca del
Mercado en Internet no le afecta a usted y su familia.
Si usted tiene o es ofrecido cobertura familiar por parte de su Empleador, pero no es por medio de
un Plan 32BJ, usted debe consultar con un Navegador (ver lista) acerca de sus opciones.
COBERTURA INDIVIDUAL
Si tiene cobertura individual (seguro que solo le cubre a usted) y su cónyuge y dependientes
no tienen cobertura médica, el Mercado en Internet es un buen lugar para que sus dependientes
vayan a comprar cobertura.
SIN COBERTURA
Si usted y sus familiares no tienen cobertura, todos pueden usar el Mercado en Internet para
comprar cobertura.
AYUDA Y MÁS INFORMACIÓN
RECIBIR AYUDA DE UN NAVEGADOR
Un Navegador es un coordinador, financiado por el gobierno, cuyo trabajo es ayudar a personas
a navegar el Mercado en Internet y el nuevo sistema de cuidado de salud. En los estados de D.C.
y Maryland, el nuevo sistema de cuidado de salud incluye cobertura expandida de Medicaid. La
manera más fácil de enterarse si usted y sus dependientes son elegibles para Medicaid, CHIP (una
buena alternativa para niños) o cobertura y subsidios del Mercado en Internet seria consultar con un
Navegador.
El Mercado en Internet ofrece cuatro niveles de beneficios (deducibles más altos o bajos, copagos,
etc.) de diferentes compañías de seguro. El Navegador también puede ayudarle a determinar qué
nivel y qué compañía son las mejores para usted y su familia.
Ver lista de los nombres, direcciones de correo electrónico, y números de teléfonos de los
Navegadores en las areas de la 32BJ en los estados de D.C., Maryland, y Virginia.
continua
32BJ SEIU, 25 West 18th Street, New York, NY 10011 • www.seiu32bj.org
MÁS INFORMACIÓN ACERCA DEL MERCADO EN INTERNET
El Mercado en Internet es un lugar donde personas que no están cubiertas pueden comprar
cobertura médica. Empezando el 1 de enero de 2014, toda persona está obligada a tener
cobertura médica.
En D.C., el Mercado en Internet se llama DC Health Link. El sitio web es www.dchealthlink.com.
En Maryland, el Mercado en Internet se llama Maryland Health Connection. El sitio web es
www.marylandhealthconnection.gov. En Virginia, el Mercado en Internet se llama The Health
Insurance Marketplace. El sitio web es www.healthcare.gov. El Mercado en Internet abrió el 1
de octubre de 2013 para que las personas puedan comprar cobertura que tomara efecto el 1 de
enero de 2014. En D.C., puede ir a www.dchealthlink.com para solicitar cobertura. En Maryland,
puede ir a www.marylandhealthconnection.gov para solicitar cobertura. En Virginia, puede ir a
www.healthcare.gov para solicitar cobertura. Mejor aún, puede consultar con un Navegador cuyo
trabajo es ayudar a personas a navegar el Mercado en Internet y el nuevo sistema de cuidado de
salud. La inscripción para cobertura en 2014 se cierra el 31 de marzo de 2014; después usted puede
comprar cobertura de salud en el mercado en internet sólo si existe una circunstancia especial, como
la pérdida de su trabajo, el nacimiento de un niño, o divorcio.
Cualquier cobertura que compre en el Mercado en Internet le costará dinero. Sin embargo, algunas
personas que compran en el Mercado en Internet calificarán para subsidios del gobierno.
Para comprar cobertura en el Mercado en Internet usted:
• Debe ser ciudadano estadounidense o estar legalmente en los EE.UU.
• No puede ser elegible para Medicaid, CHIP o Medicare.
Para calificar para un subsidio, usted no puede tener un ingreso familiar que exceda ciertos niveles.
SUBSIDIOS
Subsidios para el Mercado en Internet dependen del tamaño de su familia y su ingreso familiar.
Por ejemplo, una familia de cuatro con un ingreso anual de $45,000 puede comprar un “plan de
plata” (hay cuatro niéveles de planes – platino, oro, plata, y bronce) por alrededor de $220 por mes.
El plan hubiese costado $822 mensualmente sin el subsidio, así que el subsidio le ahorrara $602
mensualmente.
Y una persona soltera que gana $12 por hora, trabajando a tiempo completo ($24,960 anualmente)
puede comprar un plan de plata por alrededor de $143 mensualmente. El plan hubiese costado
$252 mensualmente sin el subsidio, así que el subsidio le ahorrara $109 mensualmente.
Una manera simple de determinar si el tamaño de su familia y su ingreso familiar lo califica
para un subsidio, es por medio de www.kff.org el sitio web de Kaiser Family Foundation
(Desafortunadamente, este sitio web está en inglés y no en español). En el sitio web, use la
Calculadora de Subsidio de Seguro Médico (Health Insurance Subsidy Calculator). Es rápido y fácil.
Un Navegador también lo podrá ayudar a determinar si califica.
PREGUNTAS MÁS FREQUENTES
Kaiser Family Foundation tiene respuestas a docenas de las preguntas más frecuentes de la reforma
de cuidado de salud. Vaya a www.kff.org y haga clic en “Understanding the ACA” y luego en
“FAQs.” (Desafortunadamente, este sitio web está en inglés y no en español.)
WASHINGTON, D.C., MARYLAND & VIRGINIA
NAVIGATORS / NAVEGADORES
WASHINGTON, D.C.
East River Family Strengthening Collaborative Inc
(202) 397-7300
www.erfsc.org
St Paul AME Church/12th Street Partnership
(202) 882-7088
no website
Ethiopian Community Service & Development Council
(202) 319-0047
www.ecsdc.org
Summit Health Institute for Research and Education Inc
(202) 371-0277
www.shireinc.org
Andromeda Transcultural Health
(202) 291-4707
www.andromedatransculturalhealth.org
Family Voices of DC
(202) 373-5564
www.familyvoices.org
The George Washington University
(202) 994-1000
www.gwu.edu
Brown Memorial AME Church
(202) 543-0473
www.brownmemorialame.org
Good Success Christian Church & Ministries
(202) 450-4644
www.facebook.com/pages/Good-Success-ChristianChurch-and-Ministries-GSCCM/205473016136344?id=2
05473016136344&sk=info
Unity Healthcare Inc
(202) 715-7900
www.unityhealthcare.org
African Methodist Episcopal Church (AME)
Second District Religious Educational
and Charitable Development Projects Inc
(202) 842-3788
www.2ndamec.org
Byte Back
(202) 529-3395
www.byteback.org
Calvary Healthcare Inc
(202) 832-5200
www.calvarycommunitycare.org
Capital City Health Education Center Inc
(202) 506-6122
www.ccahec-dc.org
CitiWide Computer Training Center
(202) 667-3719
www.mycitiwide.com
Community of Hope
(202) 232-9022
www.communityofhopedc.org
Congress Heights Main Street Inc
(202) 562-1405
www.congressheights.org
Damien Ministries
(202) 526-3020
www.facebook.com/pages/Damien-Ministries/1504595
01676372?id=150459501676372&sk=info
DC Cancer Consortium Inc
(202) 821-1920
www.dccanceranswers.org
DC CARE Consortium
(202) 223-9550
www.dccare.org
DC Primary Care Association
(202) 638-0252
www.dcpca.org
East of the River Clergy Police
Community Partnership
(202) 373-5767
www.ercpcp.org
Greater Washington Urban League
(202) 265-8200
www.gwul.org
HealthHIV
(202) 232-6749
www.healthhiv.org
Us Helping Us, People Into Living Inc
(202) 446-1100
www.uhupil.org
Whitman-Walker Clinic Inc
(202) 745-7000
www.whitman-walker.org
MARYLAND
Henry C Gregory III Family Life Center Foundation
(202) 232-4288
www.flcfoundation.org
Allegany County Health Department
(301) 759-5000
www.alleganyhealthdept.com
La Clinica del Pueblo
(202) 462-4788
www.lcdp.org
Anne Arundel Medical Center
(443) 481-1000
www.aahs.org
Leadership Council for Healthy Communities
(202) 265-5112
www.leadershipforhealthycommunities.org
Asian American Center of Frederick
(301) 694-3355
www.aacfmd.org
Mary’s Center for Maternal & Child Care Inc
(202) 483-8196
www.maryscenter.org
Baltimore City Health Department
(410) 396-4398
www.baltimorehealth.org
MBI Health Services LLC
(202) 388-9202
www.mbihealthservices.com/general
Baltimore Healthy Start
(410) 396-7318
www.baltimorehealthystart.org
Metro Health Inc
(202) 638-0750
www.carlvogelcenter.org
Baltimore Medical System
(410) 732-8800
www.bmsi.org
New Bethel Baptist Church
(202) 387-9100
www.nbbc-dc.org
Benefits Data Trust
(855) 444-4998
www.bdtrust.org
Planned Parenthood of Metropolitan Washington DC
(202) 347-8500
www.plannedparenthood.org/ppmw
Benefits Data Trust
(855) 444-4998
www.bdtrust.org
Quality Trust for Individuals with Disabilities Inc
(202) 448-1450
www.dcqualitytrust.org
Calvert Health Solutions
(Serves Calvert, Charles & St Mary’s Counties)
(443) 404-5761
www.calverthealthcare.org
continued / continua
CASA de Maryland, Inc.
(301) 431-4185
www.casademaryland.org
Cecil County Health Department
(410) 996-5550
www.cecilcountyhealth.org
Charm City Clinic
(443) 478-3015
www.charmcityclinic.wordpress.com
Chase Brexton Health Services, Inc.
(410) 837-2050
www.chasebrexton.org
Chase Brexton Health Services, Inc.
(410) 837-2050
www.chasebrexton.org
Chatman, LLC
(202) 309-2777
www.chatmanllc.org
Choptank Community Health System, Inc.
Denton: (410) 479-2650
Goldsboro: (410) 634-2380
Federalsburg: (410) 754-9021
Cambridge: (410) 228-4045
Bay Hundred: (410) 745-0200
www.choptankhealth.org
City of Frederick/Frederick Community Action Agency
(301) 600-1380
www.cityoffrederick.com
Community Clinic, Inc.
Franklin Park: (240) 624-2278
Gaithersburg: (301) 216-0880
Germantown: (301) 515-7576
Greenbelt: (240) 790-3325
Silver Spring: (301) 585-1250
Takoma Park: (301) 431-2972
Wheaton: (301) 933-6680
www.cciweb.org
Eastern Shore Area Health Education Center
(410) 221-2600
www.esahec.org
Family Services, Inc.
(301) 840-3208
www.familyservicesagency.org
Frederick County Health Department
(301) 600-1029
www.frederickcountymd.gov/index.aspx?NID=2766
Garrett County Health Department
(301) 334-7777
www.garretthealth.org
Grassroots Crisis Intervention Center, Inc.
(410) 531-6006
www.grassrootscrisis.org
Greater Baden Medical Services
(301) 599-0460 x1101
www.gbms.org
Harford Community Action Agency, Inc.
(410) 612-9909
www.harfordcaa.org
Harford County Health Department
Bel Air: (410) 638-4952
Edgewood: (410) 612-1779
Aberdeen: (410) 273-5626
www.harfordcountyhealth.com
Health Care for the Homeless
(410) 837-5533
www.hchmd.org
Health Partners, Inc.
(301) 645-3556
www.healthpartnersinc.org
HealthCare Access Maryland
(Serves Baltimore City, Baltimore &
Anne Arundel Counties)
(410) 649-0500
www.healthcareaccessmaryland.org
Healthy Howard
(Serves Howard, Carroll, Frederick, Washington,
Alleghany & Garrett Counties)
(410) 988-3737
www.healthyhowardmd.org
Independent Marylanders Achieving
Growth Through Empowerment, Inc.
(410) 982-6311
www.imagemd.org
Interfaith Works, Inc.
(301) 762-8682
www.iworksmc.org
Planned Parenthood
(410) 576-1414
www.plannedparenthood.org/maryland
Primary Care Coalition of Montgomery County, Inc.
(301) 628-3405
www.primarycarecoalition.org
Prince George’s County Department
of Social Services
(301) 909-7000
www.princegeorgescountymd.gov/sites/
socialservices/Pages/default.aspx
Prince George’s County Health Department
(301) 883-7879
www.princegeorgescountymd.gov/sites/health
St. Stephens AME Church
(410) 686-9392
www.ststephensame.org
Structured Employment Economic Development
Corporation (SEEDCO)
(Serves Harford, Cecil, Kent, Queen Anne’s,
Caroline, Talbot & Dorchester Counties)
(410) 234-0279
www.seedco.org
The Coordinating Center
(410) 987-1048
www.coordinatingcenter.org
The Maryland Medical Society (MedChi)
(410) 539-0872
www.medchi.org
Korean Community Services Center
of Greater Washington
(240) 683-6663
www.kcscgw.org
Triangle Health Alliance
(410) 398-4000
www.uhcc.com
Korean Resource Center, Inc.
(410) 203-1111
www.ikorean.org
Tri-State Community Health Center, Inc.
(301) 678-5187
www.tschc.org
Mary’s Center for Maternal & Child Care Inc
Montgomery County: (240) 485-3160
Prince George’s County: (301) 422-5900
www.maryscenter.org
Walden Sierra
(301) 863-6661
www.waldensierra.org
Mental Health Association of Maryland
(443) 901-1550
www.mhamd.org
Mercy Hospital
(410) 332-9000
www.mdmercy.com
Montgomery County Department of
Health and Human Services
(Serves Montgomery & Prince George’s Counties)
(240) 777-0311
www.montgomerycountymd.gov/hhs
Mosaic Community Services
(410) 463-9553
www.mosaicinc.org
Park Heights Community Alliance
(410) 542-8190
www.phcha.org
Partnership for a Healthier Carroll County, Inc.
(410) 871-7645
www.healthycarroll.org
Washington County Community Action Council
(301) 791-4161
www.wccac.org
Worcester County Health Department
(Serves Worcester, Wicomico & Somerset Counties)
(410) 632-1100
www.worcesterhealth.org
VIRGINIA
Advanced Patient Advocacy
(877) 272-6001
www.aparesults.com
Virginia Health Care Foundation
(804) 828-5804
www.vhcf.org
Virginia Poverty Law Center
(804) 782-9430
Toll free: (800) 868-8752
www.vplc.org