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Health Insurance Exchanges: Key Issues for State Implementation

Call your insurance agent or company representative and discuss the particular requirements for reporting a flood claim.These can vary from company to company , so knowing how to proceed can save a lot of effort later . Remember , after a flood it may be difficult to get in touch with your agent or insurance company . Power and phone service may be interrupted, or phone lines may be overwhelmed with other callers. It will benefit you to know just what to do in advance of flooding. After a flood, you may be unable to stay in your home or to be contacted at your home address and phone number | Health Insurance Exchanges Key Issues for State Implementation by Robert Carey Prepared for State Coverage Initiatives by Public Consulting Group September 2010 AcademyHealth state Coverage Initiatives Robert Wood Johnson Foundation Introduction Well-functioning Health Benefit Exchanges Exchanges may determine the success of federal health care reform in meeting its goals to improve access to health coverage enhance the value of health insurance and moderate the cost of health care. Across the country state governments will play the pivotal role in operating the Exchanges facilitating the expansion of Medicaid and implementing market-altering changes to the rules governing commercial health insurance. The American Health Benefits Exchange for individuals and the Small Business Health Options SHOP Exchange for small employers will serve as central points of access to commercial health insurance for millions of individuals and hundreds of thousands of small employers. In some states enrollment in the Exchange may exceed the number of people currently covered by their Medicaid program. By January 2014 individuals and small employers will be able to shop for insurance from a range of health plans offered through the Exchanges. Lower-and middle-income individuals earning up to four times the Federal Poverty Level FPL - more than 88 000 for a family of four in calendar year 2010 - may be eligible for premium subsidies for commercial health plans. Small employers with lower-income workers that provide employer-sponsored insurance ESI may be eligible for premium subsidies for up to two years. People who today cannot afford health insurance or are denied coverage due to poor health will soon be able to purchase insurance. In addition to premium subsidies the health plans will limit point-of-service cost sharing i.e. co-payments co-insurance deductibles and cap members out-of-pocket expenses. Though the Patient Protection and Affordable Care Act ACA sets broad parameters for