"These gaps really make it so that Georgians can't afford needed health care. If they receive health care, they're left with medical debt, or they have to make really tough…
Georgians for a Healthy Future is now several weeks into our training partnership with Enroll America. As you might recall, Enroll America selected GHF as the first organization, nationally, to participate this year in the Leadership Academy in a train-the-trainer model. Enroll America is using the Leadership Academy train-the-trainer model to disseminate their expertise on how to conduct trainings with Enroll America information in order to reach a wider audience.
We have covered topics including list building, reaching the remaining uninsured, and how to design a follow up program. Pranay Rana, GHF’s Consumer Education and Enrollment Specialist, is currently planning several trainings that will take place in October to start the process of imparting our new knowledge to partner organizations. We will also be adding some of the Enroll America training content to our GEAR emails, so keep an eye out for new information on best practices for reaching uninsured consumers, building an outreach plan, and more!
If you have any questions or would like to learn more about the partnership please reach out to Pranay.
Direct consumer support plays an important role in assisting consumers to enroll into and maintain their health coverage. Georgians for a Healthy Future, primarily a health advocacy organization, provided direct enrollment services to Georgians in the last two open enrollment periods through enrollment events, in-person appointments, phone assistance and referrals. GHF continues to engage with other enrollment entities through its Georgia Enrollment Assistance Resources (GEAR) network which is a central hub of Marketplace resources, and provides technical support to assisters through newsletters, e-blasts, trainings, webinars, and forums.
In OE3, GHF primarily focused on post enrollment work undertaking more complex consumer cases such as resolving coverage issues with the Marketplace and insurance providers, payment issues, tax filing and reconciliation issues, and issues with supplemental documents. In this role, GHF provided crucial support to consumers and enrollment assisters to resolve these types of issues and help consumers maintain their coverage, feel free to visit https://syntheticurinereview.com/whizzinator-kit/.
Here is what our consumers reported about their experiences
GHF conducted a post-enrollment consumer satisfaction survey with 25 consumers between April and July 2016. The survey participants reported that they sought a combination of services during their appointments. The table below provides the details for each type of post-enrollment assistance.
Twenty-four out of 25 (96%) participants reported that they were able to resolve the issues that they sought assistance for, as explained by these quotes…
“Paid my premium, sent supplemental documents, added two kids to the application, received delayed cards” – Res# 1, Female, 30.
“My coverage had been suspended for over a month due to a technical issue. GHF helped me reinstate my suspended insurance by advocating on my behalf with both Marketplace and Ambetter. My benefits were reinstated within 3 business days”— Res# 16, Female, 62.
GHF Success Stories:
Tony Caldwell, a consumer with disability, was waiting to get his power wheelchair for over a year. With direct enrollment support from GHF, he was able to get his application completed during SEP and select a plan that covered his wheelchair. Tony quotes, “I finally ended up getting my power wheelchair that I had been waiting for over a year. It has helped me from passing out. Thanks to you all.”
Clyde Mohammed and his wife Sharda (West Indian couple) came to renew their marketplace plan at Switzer Public Library in Marietta. They also wanted to change their current plan since the premium was going up in 2016. Assisted the consumers to complete their application. They were found eligible for subsidies. They enrolled into a health plan with $57 monthly premium and $600 family deductible. The family was able to save over $150 in monthly premium by switching their plan.
The majority of the participants reported the Marketplace application process to be very complicated and that they couldn’t have resolved their issues without the help of an enrollment assister. Those participants who found the process to be comfortable reported the assistance they received to be the key reason. Participants also reported that this page talk about it, from the education to enrollment assisters that made it easier for them to understand and use their new health insurance.
Trends from our direct consumer support experiences and those we have heard from our partners suggested that direct enrollment assistance was crucial for consumers in making enrollment decisions as well as tackling post-enrollment issues. Direct assistance will continue to be crucial for consumers, both new enrollees and re-enrollees, in the days to come as there will be changes in participating insurance providers, premium price, and personal details such as household size and income all of which will require enrollment assisters’ expertise.
Some of the most pressing and contentious health and insurance issues facing San Diego help will be front and center during anticipated legislative study committee meetings this fall. Study committees meet during the off-session to take a closer look into specific policy issues and develop recommendations for the upcoming legislative session. Check out a full listing of House and Senate study committees. Below is a summary of the committees GHF will be actively engaged on the advocacy and policy fronts:
Senate Study Committee on Surprise Billing Practices (SR 974)
This study committee is charged with assessing laws to protect consumers against surprise billing. Surprise billing can occur when an insured consumer receives care from an out-of-network provider and is charged for the amount the insurance did not pay. In some cases consumers seek care knowing the risk. In other cases consumers end up with bills despite making appropriate efforts to stay in-network or because inadequate provider networks require them to go out-of-network to receive care they need. Surprise billing was a hot button issue during the 2016 legislative session as more consumers reported receiving a surprise bill and experiencing financial repercussions. This led to the introduction of legislation (SB 382). This legislation included a wide range of provisions for consumer notifications, network adequacy standards, independent dispute resolutions and regulatory oversight. Although SB 382 did not pass it served as a starting point for discussion and preparation for this study committee. GHF has identified surprise billing and the need for legislation that holds consumers harmless in surprise billing scenarios as a policy priority. GHF, in partnership with Georgia Watch, has been actively engaged on this issue and will present recommendation to the committee. If you are interested in providing testimony or input to this committee, please contact Senator Renee Unterman, the study committee chair. The meeting schedule has not been announced but stay tuned for updates.
Senate Study Committee on Premium Assistance (SR 1056)
This committee will closely examine models and policies for premium assistance programs as an alternative to Medicaid expansion and is anticipated to be a forum for a robust discussion about policy options to close the coverage gap. Because Georgia has not yet accepted federal funds to cover low-income Georgians through Medicaid or a Medicaid waiver, approximately 300,000 Georgians remain stuck in a coverage gap. These Georgians do not qualify for Medicaid under current rules and do not earn enough money to qualify for financial help through the Marketplace. Closing the coverage gap by opening up coverage through Medicaid to all Georgians with incomes up to 138 percent of the federal poverty level is a policy priority GHF champions. During the last legislative session SB 368 was introduced and policymakers took a first step toward conversation on ways to close the coverage gap. Although SB 368 did not pass, it sparked a process that led to the upcoming study committee. GHF will present recommendations to the committee and amplify our campaign to close the coverage through our Cover Georgia Coalition. Cover Georgia is a coalition of more than 70 organizations that have come together to educate the public, engage Georgia’s policymakers, and advocate to close the coverage gap by expanding Medicaid. To learn more about Cover Georgia click here and to join please contact Laura Colbert at firstname.lastname@example.org or 404-567-5016 ext. 2. Study committee appointments and meeting schedule have not been announced. If you are interested in providing testimony or input to this committee stay tuned for updates.
Senate Study Committee on Opioid Abuse (SR 1165)
In light of the rise of opioid addiction and related overdose deaths, this study committee was created to examine legislative approaches Georgia could take to curb the opioid epidemic and save lives. Committee members have been appointed and include the commissioner of public health, Director of Georgia Drugs and Narcotics agency, a pharmacist, medical doctor and citizen with personal experience with opioid overdose claim that the cases of prescription drug abuse amongst teens are rising. The first committee meeting is scheduled for September 30th in Gainesville and the second meeting will be held October 27th at the Capitol. Save the dates and we will provide more information soon. GHF in partnership with the Georgia Council on Substance Abuse will present recommendations on activating Medicaid codes to promote the use of an evidence-based substance use screening and prevention tool known as SBIRT (screening, brief intervention, and referral to treatment) statewide and a fiscal analysis of the costs and benefits of implementing SBIRT through Medicaid to the committee. To find out more about SBIRT and our Preventing Youth Substance Use Disorders coalition visit our website. If you are interested in providing testimony or input to this committee please contact Senator Renee Unterman, the study committee chair.
Other Study Committees to Watch
- Senate Study Committee on Hearing Aids for Children (SR 1091)
- Senate Study Committee on Emergency Cardiac Centers (SR 1154)
- Senate Study Committee on State Sponsored Self-Insured Group Health Insurance Plan (SR 1166)
- House Study Committee on Mental Illness Initiative (HR 1093)
- House Study Committee on Professional Employer Organizations (HR 1341)
Moving the conversation forward
Yesterday marked the start of a new chapter in the campaign to close the coverage gap. The Georgia Chamber of Commerce Health Access Task Force unveiled a set of proposals best beard trimmer to expand coverage. We are heartened that business leaders and health care industry stakeholders recognize the important role that coverage plays in a healthy and productive Georgia. You can read the news coverage in the AJC, WABE, Georgia Health News, and Atlanta Business Chronicle.
Is it a good plan?
We believe a coverage solution is one that extends coverage to all those Georgians caught in the coverage gap, does not erect unnecessary barriers to care, and maximizes the federal dollars set aside for Georgia. The Chamber’s proposal is a big step in this direction. While we have concerns about how some of the proposed provisions will impact consumers, we look forward to working with the Chamber, legislators, our Cover Georgia partners, and other stakeholders to find a solution that best serves individuals and families, our state’s health system, and our state’s economy.
What can I do to build on the momentum?
Be a part of the conversation! Your legislators need to know that this is an important issue for their constituents. Here you’ll find a quick and easy way to enter in your address and directly email both your state house and senate member. Let them know it’s time we close the coverage gap!
At Georgians for a Healthy Future, we’ve been fighting for expanded access to care since our doors first opened. We’ve developed videos and graphics to help simplify this complicated issue. We’ve created in-depth tools to explain the nuance and dispel myths. Our postcard and petition project has helped lift up this issue at the Gold Dome where we regularly testify and provide research to lawmakers.
As we get closer to closing the coverage gap we hope you’ll continue to stand with us. By signing up for the Georgia Health Action Network you’ll receive timely updates as the debate unfolds and easy ways for you to stay engaged. And, of course, we’re here for you! If you have questions about what’s going on, please ask!
FOR IMMEDIATE RELEASE – August 31, 2016
Georgians for a Healthy Future – Laura Colbert, email@example.com (404) 567 – 5016 x 2
Georgia Budget & Policy Institute – Laura Harker, firstname.lastname@example.org (404) 420 – 1324 x 103
Mercy Care – Diana Lewis, email@example.com (678) 843 – 8509
Atlanta, GA – August 31, 2016
Today the Georgia Chamber of Commerce released their proposal to address Georgia’s coverage gap, and expand access to health coverage for low-income Georgians.
Leaders of the Cover Georgia coalition responded with the following statements.
Cindy Zeldin, Executive Director of Georgians for a Healthy Future, a health care consumer advocacy organization that heads the Cover Georgia coalition said:
“We are encouraged that business leaders and health care industry stakeholders have prioritized health care coverage as a necessary component of economic vitality. The set of policy options put forth by the Georgia Chamber provides a strong starting point. We look forward to a statewide conversation in the coming months about the best approach to ensure all Georgians have a pathway to coverage and access to care.”
Laura Harker, Policy Analyst for Georgian Budget & Policy Institute, a nonprofit focused on Georgia’s fiscal and economic outlook:
“We are encouraged that Georgia leaders are talking more than ever about the need to expand health care access and give the state’s health care system a timely boost. Closing the coverage gap is a smart investment for Georgia that would bring in billions of federal dollars and reduce uncompensated care costs.”
Tom Andrews, President of Mercy Care, a network of health clinics that provide primary care and support services to those who are homeless and uninsured said:
“On behalf of the 88% of our patients who are uninsured, we cannot adequately express the positive impact any one of these plans would have on the health of the patients we care for.”
Cover Georgia is a coalition of more than 70 organizations that have come together to educate the public, engage Georgia’s policy makers, and advocate to close Georgia’s coverage gap by expanding Medicaid. We believe a coverage solution is one that extends coverage to all those Georgians caught in the coverage gap, does not erect unnecessary barriers to care, and maximizes the federal dollars set aside for Georgia.
More resources about the coverage gap:
- A Chartbook for Understanding Medicaid in Georgia and the Opportunity to Improve It
- Georgia Left Me Out: Coverage Gap Fact Sheet
- Strengthening Georgia’s Rural Hospitals and Increasing Access to Care
Georgians for a Healthy Future’s Executive Director Cindy Zeldin attended the summer meeting of the National Association of Insurance Commissioners (NAIC) last week in San Diego in her capacity as a consumer representative to the NAIC. Cindy presented information on the enactment of health insurance provider directory improvement legislation in Georgia (SB 302) as part of a panel of consumer representatives discussing how the NAIC network adequacy model act is being taken up in the states. Also presenting were Claire McAndrew of Families USA, who provided a bird’s eye view of activity across the nation on network adequacy, and consumer representatives from Colorado and Maryland. This discussion was part of the Consumer Liaison meeting, which provides a forum for consumer representatives to interface with state insurance regulators from across the country.
Also at the summer meeting, the consumer representatives released a new policy paper on prescription drug access and affordability. The report, Promoting Access to Affordable Prescription Drugs: Policy Analysis and Consumer Recommendations for State Policymakers, Consumer Advocates, and Health Care Stakeholders, provides a series of recommendations to assist regulators, lawmakers, and the NAIC on ways to promote access, affordability, nondiscrimination, transparency, and meaningful oversight of prescription drug coverage. The report includes examples of existing state and federal approaches to addressing these issues as well as recommendations for consumer-protective policies to be considered by state and federal policymakers. The report was made possible with support from the Robert Wood Johnson Foundation.
Tremendous progress has been made over the past three years in increasing enrollment into health insurance that facilitates access to care and provides financial protection for individuals and families across the state of Georgia. However, too many Georgians are still uninsured, the trends toward narrow networks and consolidation within the health industry threaten to negatively impact access to care, and consumers express concerns about affordability. Addressing these issues will require collaboration between enrollment and health care stakeholders, advocates, and policymakers. Here are three things Georgia lawmakers can do to ensure that all Georgians have access to the quality of care they need.
- Close the coverage gap – Despite robust Marketplace enrollment in Georgia, we still have one of the highest uninsured rates in the nation, largely because our state policymakers have not yet closed the coverage gap. Georgia’s enrollment assisters have repeatedly expressed to advocates that this is the biggest barrier to enrollment that their consumers face.
- Addressing Affordability – Rate review is an annual process during which insurance companies submit their proposed plan rates for the coming year to be reviewed by state and federal regulators. We encourage state regulators to scrutinize these rates closely to ensure they are justified and to request adjustments if they are not. We also encourage policymakers to explore emerging approaches in health care payment and delivery reform that hold the potential to enhance value for consumers.
- Ensuring Access to Care – We encourage policymakers to build on the progress made by SB 302 by enacting comprehensive network adequacy standards in 2017.
For more details on policy and advocacy opportunities and our findings from research around the third open enrollment period, download our new report, Getting Georgia Covered: What We Can Learn from Consumer and Assister Experiences During the Third Open Enrollment Period.
Last week, Georgia health advocates, service providers, and enrollment assisters combined forces for a day of learning, sharing, and planning at our second annual Getting Georgia Covered summit. In conjunction with the event, Georgians for a Future released a new publication focusing on key themes in consumer and assister experiences during the 2016 open enrollment period, best practices for outreach, enrollment, and reaching eligible Georgians who remain uninsured, and policy opportunities to increase enrollment, improve access to care, and address affordability issues. The report, Getting Georgia Covered: What We Can Learn From Consumer and Assister Experiences During the Third Open Enrollment Period, is intended to be a resource for health care stakeholders, advocates, and policymakers.
In addition to workshops that fostered collaboration between organizations and individuals working on behalf of health care consumers in different ways, we also featured presentations and remarks from Dr. Pamela Roshell, Region IV Director, US Department of Health and Human Services, Dr. Bill Custer, Director of Center for Health Services Research and Associate Professor, J. Mack Robinson College of Business, Georgia State University, Heather Bates, Deputy Director, Enrollment Assister Network, Families USA and Sandy Anh, Associate Research Professor, Georgetown University Center on Health Insurance Reforms. Jemea Dorsey, Chief Executive Officer for the Center for Black Women’s Wellness, and Sarah Sessons, Executive Director of the Insure Georgia Initiative of Community Health Works also offered their expertise and insights in a closing panel. In the coming weeks, we will release a publication highlighting promising opportunities to improve consumer health through collaboration, drawing on the discussions and ideas that came out of the workshops and discussions.
Georgia’s rate of uninsured children has dropped from 11 percent during the depths of the recession to 7.6 percent in 2014. Despite this improvement, that means that 189,000 Georgia kids do not have access to needed health care and their families are without the financial protection that comes with coverage. In order to address this need, people who regularly work with children need to be aware of the importance of health coverage to children, and have the resources they need to connect kids and families with coverage quickly and easily.
That is why GHF partnered with the Georgia Departments of Education and Public Health to conduct a webinar called “Covering Kids.” The webinar was created for school nurses because they are such important sources of health information for families and students. During the webinar, Laura Colbert, Director of Outreach and Partnerships, reviewed the short and long term benefits of health care coverage for kids, which include academic and economic benefits on top of improved health outcomes. She also discussed trends and current statistics on children’s coverage in Georgia, and highlighted the pathways to coverage for kids which vary based on family income. Most importantly, she identified valuable community resources so that school nurses across the state can connect families and children with local assistance and information to help get them enrolled. This webinar is available to view on the School Nurse Exchange, and nurses who complete the webinar and an evaluation can receive CEU credits.
For more information about children’s health care coverage, check out these resources:
With three annual open enrollment periods completed and a fourth one just around the corner, the Health Insurance Marketplace has become established as the avenue for purchasing coverage for roughly half a million Georgians. This report builds on last year’s Getting Georgia Covered: Best Practices, Lessons Learned, and Policy Recommendations from the Second Open Enrollment Period and focuses on understanding the characteristics of the people who have enrolled in marketplace plans and the experiences of consumers and the enrollment assisters who helped them. Their insights can inform the work of advocates, stakeholders, and policymakers to reach shared goals of reducing the uninsured, improving access to care, and addressing affordability for consumers.
Inside you’ll find:
- Key themes in consumer and assister experiences during the 2016 open enrollment period
- Best practices for outreach, enrollment, and reaching eligible Georgians who remain uninsured
- Policy opportunities to increase enrollment, improve access to care, and address affordability issues