Welcome & Minutes Approval Michele Eberle, MHBE Plan Management A service of Maryland Health Benefit Exchange
Exchange Implementation Advisory Committee Briefing February 5, 2015 A service of Maryland Health Benefit Exchange
Enrollment • Over 200,000 enrolled through Maryland Health Connection with 2 weeks remaining in 3-month open enrollment. • Includes over 100,000 so far in qualified health plans . Last year, 63,000 enrolled in QHPs during 6-month open enrollment. • Over 95,000 newly enrolled in Medicaid. • Across the US, 9.5 million people have selected a plan or were automatically enrolled. • Both nationally and in Maryland, about 87% of applicants were determined eligible for financial assistance , up from 80% a year ago. 3
Marketing ● 1 million+ unique visitors to MHC.gov since beginning of open enrollment. ● 20,000+ receiving weekly MHC e-mail updates. Marketing ● Launched outreach and advertising partnerships with Afro-American newspaper and Entravision Spanish broadcasting to help spread message and materials to black and Hispanic audiences. ● 34% of MHC website visitors come via Google search. Using social media to drive conversation to site to build our online authority and profile. 4
TV, radio, print, transit, digital advertising: 190 million impressions
Outreach -- Young Invincibles • Young people (ages 18-34) comprise 30% of Md. enrollment so far, in line with national trend. • Strategic approach taken in selecting digital outlets (online apps, Facebook, Pandora) to reach “Young Invincibles.” • Turning testimonial videos into YouTube ads to drive more online traffic. 6
Enrollment By Carrier Open Enrollment 2* (thru 2/3/2015) Open Enrollment 1 (thru 9/30/2014) 1. Carefirst: 80,753 1. CareFirst: 76,835 2. Kaiser: 12,947 2. Kaiser: 3,853 3. Evergreen: 2,418 3. Evergreen: 563 4. United: 2,100 4. United Healthcare: 302 5. Cigna: 290 6. All Savers: 522 *Ends 2/15/2015 7
Enrollment By Plan Silver, 61%; Bronze, 23%; Gold, 9%; Platinum, 5%; Catastrophic, 2% 8
Final Stretch ● Adam Jones radio commercial for stretch run in February (Maryland Citizens’ Health Initiative) to help reach “Young Invincibles.” ● Statewide community college outreach on National Youth Enrollment Day last week. ● SMS texting (to emphasize deadline and penalty, in “countdown” style at the 4, 3, 2 and 1-week marks). 9
Online resources Resources are available for download at MarylandHealthConnection.gov on the Download Center page 10
Additional messages With enrollment progressing, we’re now expanding messaging to include: • Making consumers more aware of penalty for failing to have coverage; • What to do after enrolling; • How to manage health care and coverage. 11
Connector Entities since Nov. 15, providing information and enrollment assistance. ● Six Connector Entities with over 300 certified navigators and assisters. 12
Connector Entities ● Our “Boots on the Ground”: Have interacted with 35,000+ Marylanders, providing information and enrollment assistance. ● Holding over 20+ Enrollment Fairs throughout the State during open enrollment. ● Connector Entities developed “ Store Front ” enrollment sites to allow consumers convenient access to in-person enrollment assistance in their communities. ● 30 enrollment sites in 19 counties; sites in remaining counties co-located in other organizations. ● Innovative activities, e.g . enrollment days on Smith Island with DNR providing boat transportation; partnerships with One- 13 Stop Job Centers and public libraries.
Consumer Support Center (CSC) ● CSC managed by Maximus; Maryland-based call center located in Baltimore and Baltimore County. ● Over 300 certified Call Center workers and support staff; state-of-the-art call telephony system. ● Call center utilization: - Total calls offered - 308,399 - Average handle time - 17:22. ● Level II Help Desk: specialized team to assist call center agents, navigators and assisters 14
Insurance Producers and Broker Referral Program ● Insurance producers have been valuable partners in supporting consumers’ enrollment. ● 900 producers authorized in individual marketplace; 1,000 in SHOP. ● Have enrolled 9,000 households so far for 2015 plan year. ● Continued partnership with Broker Referral Program established during last open enrollment. ● Pivotal role in providing assistance to 2014 enrollees who need to re-enroll in new system. 15
Other Consumer Assistance ● Application Counselor Program: 35 sponsoring entities and 183 certified counselors ● MHBE Constituent Services ○ Established beginning of open enrollment ○ 213 cases received, with about 40% still in process ● Appeals and Grievances Unit ○ 2,109 cases filed; ○ 2,049 resolved before hearing scheduled; ○ 41 hearings scheduled; ○ 35 cases resolved informally before hearing. 16
Gains Across Maryland • Reductions in uninsured: Baltimore, Carroll, Harford, Howard, Montgomery Prince George ’s and Worcester counties are among places where 2015 enrollments trending above their percentage of uninsured based on 2012 Census data. • Opportunity for Growth: Lower Eastern Shore and Western Maryland are among the areas with the largest percentages of all nonelderly uninsured (12%- 16%) and greatest potential for benefit for financial assistance for coverage. 17
Enrollment By Jurisdiction 18
Md. Uninsured Likely Eligible for Subsidies 2012 Small Area Health Insurance 19 Estimates (SAHIE), U.S. Census Bureau
Md. Uninsured Likely Medicaid Eligible More maps posted at marylandhbe. com/maps 2012 Small Area Health Insurance 20 Estimates (SAHIE), U.S. Census Bureau
Public Opinion: Favorability August 2014 research by KRC Research Maryland Health Connection earned positive familiarity over the past year across the state. Only a small portion of those aware of it hold negative sentiment. Favorable Vs. ‘13 48% 40% Uninsured Favorable Vs. ‘13 Net Familiar: 39%↑ 78% 39% Vs. 9% ‘13 Uninsured: 39% vs. 5% in ‘13 Unfavorable Vs. ‘13 20% 19% ↑ indicates increase vs Q3 2013 Q24: [N=800] How familiar are you with Maryland Health Connection? 21 Q25: [IF Q24=1-3; N=424] Based on anything you may have seen or heard, are you favorable, unfavorable or neither favorable nor unfavorable towards the “Maryland Health Connection”? Is that very or somewhat favorable/unfavorable?
Public Opinion: Awareness January 2015 research by OpinionWorks Focus groups conducted Oct.-Nov. 2014 for Maryland Citizens' Health Initiative Education Fund: • “Awareness of MHC varied greatly. Two groups (Easton and Suburban Baltimore) exhibited absolutely no awareness of Maryland Health Connection – nor of the impending open enrollment on November 15. They did have a high awareness of the Affordable Care Act, and most were aware of their obligations to enroll in coverage or face a penalty.” • “Several other focus groups exhibited strong knowledge of Maryland Health Connection and the enrollment process. Two examples of this higher awareness were in Columbia and Suburban Washington. Several people credited the news media, and particularly talk radio aimed at the African- American community, with keeping them informed of their rights and obligations under the law.” 22
Helping Consumers With New Tax Form ● Form 1095-A provides information about Advanced Premium Tax Credit (APTC) paid during 2014 to eligible consumers to reduce monthly premium. It also lists each member of household on a QHP. Helping Consumers with Tax Filing ● Each tax household with 2014 QHP coverage will receive a 1095-A from MHBE. ● 1095-A information necessary for consumers to complete tax returns. MHBE reports same information to IRS. ● For 2014 tax year only, 1095-As will not be system- generated. Forms will be mailed by Jan. 31. 23
Form 1095 - Form Corrections ● Consumers who believe information on their Form 1095-A is incorrect will be directed to call the CSC (1- 855-642-8572). ● IVR Option will route consumers to specialized team to work with consumers. ● Call center agents will provide information to analysts who will investigate reported error. If information is incorrect, a correct Form 1095-A will be generated. ● Corrected forms will be batch-generated and mailed (frequency will depend on volume) 24
Small Business Health Options Plan • SHOP Direct Enrollment: allows small business owners to offer health insurance through employer choice and to access tax credits. It has been available through SHOP-approved brokers since April 2014. • Employee choice: As of Jan. 1, small business owners can also offer insurance through employee choice, as well as access small business health Small Business care tax credits. • TPA-administered: We have identified three third-party administrators to help business owners with <50 full-time employees enroll. • Aggregate billing: Small businesses with <50 full-time employees enjoy the benefit of aggregate billing -- single bill for employee premiums regardless of the number of insurance companies they choose, plus flexibility to adjust how they contribute to employee premiums. • Tax Credits: Small businesses with <25 full-time employees will be eligible for a tax credit for two consecutive years before they need to reapply. 25
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