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The Patient Protection &
Affordable Care Act (ACA)


             WHAT DOES
       HEALTH REFORM MEAN FOR
           OUR FREE CLINIC
         & FOR OUR PATIENTS?
OUTLINE

 WHAT IS THE ACA?
 HOW WILL ACA HELP THE UNINSURED?
 WHO WILL REMAIN UNINSURED AFTER 2014?
 HOW WILL ACA AFFECT OUR PATIENTS & OUR
  CLINIC?
 WHAT DO WE NEED TO DO TO PREPARE FOR ACA?
 Medicaid eligibility will be expanded to
                childless adults and to 133% of FPL
ACA:           Above 133% of FPL, low and middle
                income people and small businesses
                will get subsidies to make insurance
What        
                affordable
                Children can stay on parents’ plan until
are some        26 years old
               No lifetime or annual caps
of the         No denials based on pre-existing
                conditions
Benefits?      No co-pays or deductibles for
                preventive care
               80% of premium must be spent on
                enrollees
               Insurance companies have to justify
                rate increases
Does ACA help
               Free Clinics?

Some free clinics receive liability coverage for their
   volunteer health professionals through the
        Federal Tort Claims Act (FTCA).

  ACA extends that coverage to free clinic board
        members, officers, employees,
          and individual contractors,
        but not to the clinic entity itself.
ACA:
             Supreme Court Challenge
What are
              to the Mandate
some of      Political target for repeal
the          Critical shortage of Primary Care
Barriers?     Providers, especially PCPs who
              accept Medicaid
             The rising cost of health care
How will ACA help
               the Uninsured?

 January 1, 2014, 30 million (of 53 million) uninsured will
  be eligible for coverage
 Eligibility for Medicaid will increase from 35% of
  Federal Poverty Level in MI to 133% of FPL across the
  nation
 Childless adults will be eligible


       This will help many of the patients we serve.
2012 Federal Poverty Levels


2012 FPL   Individual   Family of 4
100%       $11,170      $23,050
MI - 35%   $ 3,910      $ 8,068
133%       $14,856      $30,656
400%       $44,680      $92,200
Timeline
for ACA
        2010    President Obama signed ACA into
                 law. A few changes took effect
                 immediately; others are being
                 implemented over the next few
                 years.
                Planning and implementation at
   2011-2014
                 federal and state levels. Numbers of
                 uninsured continue to grow.
                30 million will become eligible for
        2014     coverage, either through Medicaid
                 or the exchanges.
Timeline for
ACA cont’d.
                 Those eligible will be enrolled in
    2014-2019
                  Medicaid and other programs. The
                  numbers of uninsured will gradually
                  decline.
                 The newly insured will try to find a
                  medical home, but face a critical
                  shortage of Primary Care Providers,
                  especially PCPs accepting Medicaid.
                 The number of uninsured will level
        2019      off to those who are not eligible for
                  coverage through ACA.
Who will      Undocumented immigrants
remain        Naturalized citizens here < 5 yrs.
uninsured?    Choose to pay the penalty rather
               than acquire insurance
              Exempt from the mandate and
               choose to remain uninsured, e.g.,
               veterans, uninsured <3 mos.,
And where      exempt from filing federal tax
will they      return, Native American,
               incarcerated, religious conscience
find care?     reasons.
              Citizens without documentation
 Many uninsured clients of our
                   free clinic will be eligible for
ACA:               Medicaid
                  Our clients will need help
Implications       through the transition
for               Potential negative impact on our
Free Clinics       donors and volunteers?
                  Potential negative impact on our
                   relationship to area hospitals?
                  We need to re-evaluate our
                   mission and services, and educate
                   our community on the impact of
                   ACA.
What is the experience
          of free clinics in states where
     most of the uninsured received coverage?


VT, WI, and MA received federal waivers to expand Medicaid for
uninsured. What happened to free clinics?
None closed; in fact volume continued to grow.
Free Clinics helped enroll and navigate patients through the changes.
PCP shortage, especially of PCPs who will accept Medicaid, resulted in
free clinics providing care to Medicaid patients but not billing.
Dental Care and Rx Assistance remain huge gaps in service.
What Questions Should We Be Asking?

 What will be the impact of the ACA on our clinic?
 How many of our patients will receive insurance coverage
    under ACA? Where will they find care?
   Who will remain uninsured in our community?
   Will our clinic be needed post-2019? Whom will we serve?
   What do we need to do to prepare for ACA changes?
   What options are open to us for the future?
   Should we consider becoming or partnering with a FQHC?
   What if ACA is not implemented?
   Other questions?

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Fcom and aca ppt

  • 1. The Patient Protection & Affordable Care Act (ACA) WHAT DOES HEALTH REFORM MEAN FOR OUR FREE CLINIC & FOR OUR PATIENTS?
  • 2. OUTLINE  WHAT IS THE ACA?  HOW WILL ACA HELP THE UNINSURED?  WHO WILL REMAIN UNINSURED AFTER 2014?  HOW WILL ACA AFFECT OUR PATIENTS & OUR CLINIC?  WHAT DO WE NEED TO DO TO PREPARE FOR ACA?
  • 3.  Medicaid eligibility will be expanded to childless adults and to 133% of FPL ACA:  Above 133% of FPL, low and middle income people and small businesses will get subsidies to make insurance What  affordable Children can stay on parents’ plan until are some 26 years old  No lifetime or annual caps of the  No denials based on pre-existing conditions Benefits?  No co-pays or deductibles for preventive care  80% of premium must be spent on enrollees  Insurance companies have to justify rate increases
  • 4. Does ACA help Free Clinics? Some free clinics receive liability coverage for their volunteer health professionals through the Federal Tort Claims Act (FTCA). ACA extends that coverage to free clinic board members, officers, employees, and individual contractors, but not to the clinic entity itself.
  • 5. ACA:  Supreme Court Challenge What are to the Mandate some of  Political target for repeal the  Critical shortage of Primary Care Barriers? Providers, especially PCPs who accept Medicaid  The rising cost of health care
  • 6. How will ACA help the Uninsured?  January 1, 2014, 30 million (of 53 million) uninsured will be eligible for coverage  Eligibility for Medicaid will increase from 35% of Federal Poverty Level in MI to 133% of FPL across the nation  Childless adults will be eligible This will help many of the patients we serve.
  • 7. 2012 Federal Poverty Levels 2012 FPL Individual Family of 4 100% $11,170 $23,050 MI - 35% $ 3,910 $ 8,068 133% $14,856 $30,656 400% $44,680 $92,200
  • 8. Timeline for ACA 2010  President Obama signed ACA into law. A few changes took effect immediately; others are being implemented over the next few years.  Planning and implementation at 2011-2014 federal and state levels. Numbers of uninsured continue to grow.  30 million will become eligible for 2014 coverage, either through Medicaid or the exchanges.
  • 9. Timeline for ACA cont’d.  Those eligible will be enrolled in 2014-2019 Medicaid and other programs. The numbers of uninsured will gradually decline.  The newly insured will try to find a medical home, but face a critical shortage of Primary Care Providers, especially PCPs accepting Medicaid.  The number of uninsured will level 2019 off to those who are not eligible for coverage through ACA.
  • 10. Who will  Undocumented immigrants remain  Naturalized citizens here < 5 yrs. uninsured?  Choose to pay the penalty rather than acquire insurance  Exempt from the mandate and choose to remain uninsured, e.g., veterans, uninsured <3 mos., And where exempt from filing federal tax will they return, Native American, incarcerated, religious conscience find care? reasons.  Citizens without documentation
  • 11.  Many uninsured clients of our free clinic will be eligible for ACA: Medicaid  Our clients will need help Implications through the transition for  Potential negative impact on our Free Clinics donors and volunteers?  Potential negative impact on our relationship to area hospitals?  We need to re-evaluate our mission and services, and educate our community on the impact of ACA.
  • 12. What is the experience of free clinics in states where most of the uninsured received coverage? VT, WI, and MA received federal waivers to expand Medicaid for uninsured. What happened to free clinics? None closed; in fact volume continued to grow. Free Clinics helped enroll and navigate patients through the changes. PCP shortage, especially of PCPs who will accept Medicaid, resulted in free clinics providing care to Medicaid patients but not billing. Dental Care and Rx Assistance remain huge gaps in service.
  • 13. What Questions Should We Be Asking?  What will be the impact of the ACA on our clinic?  How many of our patients will receive insurance coverage under ACA? Where will they find care?  Who will remain uninsured in our community?  Will our clinic be needed post-2019? Whom will we serve?  What do we need to do to prepare for ACA changes?  What options are open to us for the future?  Should we consider becoming or partnering with a FQHC?  What if ACA is not implemented?  Other questions?

Editor's Notes

  1. Click on Cabrini Clinic and replace it with your clinic name.
  2. Here is what we are going to cover…
  3. ACA was adopted because the nation has 53M uninsured. It will help many gain coverage, but it also is correcting many abuses in our health care system. Some of these benefits are in effect; others are being phased in over several years.
  4. Our clinic does/doesn’t participate in this program. FTCA extends free liability coverage to free clinics—the same coverage that the feds give to employees of FQHCs. The extension of coverage is a great benefit to free clinics.
  5. There are people who are trying to de-rail the ACA. There is a challenge to the mandate which will be heard at the Supreme Court March 26-28. If President Obama does not get re-elected, there probably will be an attempt to repeal the law. And even if the law is enacted as passed, those who receive coverage will find it difficult to find a Primary Care Provider, especially if the coverage is Medicaid. And regardless of ACA, the rising cost of health care in this country has to be addressed.
  6. Eligibility for Medicaid is financial, based on household income. In Michigan, an individual can make no more than 35% of the Federal Poverty Level to be eligible. Childless adults are not eligible. Under ACA this will change.
  7. This chart shows that for an individual in Michigan, income eligibility for Medicaid is less than $3900 per year. Under ACA, this will increase to $15,400. Many of our clients will become eligible.
  8. These charts lay out the timeline for ACA—what we can expect.
  9. Will others judge that the uninsured problem has been solved by ACA, and pull their support from free clinics? Our clients will need help applying for Medicaid and finding a new medical home. Throughout this transition, we will need to monitor the impact on our mission and services.
  10. Here are some questions we need to be exploring together.