Webinar: Promoting Medicaid and CHIP during Marketplace Open Enrollment (10/26/16)

>>Gabriela Duran
Welcome to the Connecting Kids to Coverage National
Campaign Webinar. Our topic today is Promoting
Medicaid and CHIP During Marketplace Open Enrollment. I’m Gabby Duran. I work closely with the
Connecting Kids to Coverage Team to support the enrollment
of more children and parents in free or low cost
health care coverage. Open enrollment for the health
insurance marketplace is an important time
of the year when attention to health coverage is high. The 2017 Marketplace
Open Enrollment Season runs from November 1, 2016
to January 31, 2017. And while Medicaid and
Children’s Health Insurance Program (CHIP) enrollment
is open year round, families may learn
about their eligibility in these programs
at this time. Having information about
Medicaid and CHIP at the ready while conducting marketplace
outreach can connect eligible but unenrolled children
who need health care coverage to vital services. Our webinar today will provide
you with tips for conducting outreach during the marketplace
open enrollment and support to develop messaging and
activities that will resonate with families during this
important time of the year to expand the outreach
of your enrollment work. In just a moment,
Jessica Beauchemin from the Centers for
Medicare and Medicaid Services will walk us through the agenda. With that being said,
I’m going to pass it over to Jessica to begin. Jessica?>>Jessica Beauchemin
Thank you Gabby and thank you to everyone for joining us
here today. Our speakers today will cover
various strategies and tips for your organization to engage in
when conducting outreach during marketplace
open enrollment. Our speakers will also discuss
how to develop messages and activities that will resonate
with families and help expand the reach
of your enrollment work. We will first hear from Lisa Wilson,
who is with CMS and who will discuss outreach
and enrollment strategies to implement during
marketplace open enrollment. Next, the Director of Training
and Consumer Education from Young Invincibles will walk us
through the Healthy Young America Campaign
and the best practices for engaging millennials
about health insurance. We will then hear from the
Director of Policy and Strategic Initiatives at Enroll America,
who will share insight on how to increase access to
comprehensive health coverage. Then a Policy Analyst from
Community Catalyst will share best practices when it comes
to building strong networks for health care enrollment
in the marketplace. We will also hear from
the Executive Director from Consumers for Affordable
Health Care Foundation, who will provide tips on how
to leverage marketplace open enrollment in order to
highlight Medicaid and CHIP. Finally, we will learn more
about the Connecting Kids to Coverage National Campaign
resources that can help strengthen your
outreach efforts. We will also take your questions
at the end of the webinar, so please feel free to use your
chat box throughout the webinar. Gabby?>>Gabriela Duran
Thank you Jessica. Before we begin,
let’s answer a poll question. In your past Marketplace
outreach and enrollment work, have you promoted
Medicaid and CHIP? Please submit your vote
by clicking on an answer that is on your screen. Great, thank you all
for your responses. We’re about
to close up the poll. It looks like in the results
here that the majority of you, almost 82%, answered yes,
that you have promoted Medicaid and CHIP in your Marketplace
outreach and enrollment work, which is great to hear. So today we really are looking
forward to getting your feedback too,
so if there is anything you would like to add please
feel free to add it in to your comment or question box
during the webinar. We would love to hear
your experiences and strategies in that section in
the control panel. Great. So our first speaker today
is Lisa Wilson. She is a Senior Advisor from the
Center for Consumer Information and Insurance Oversight
at the Centers for Medicare and Medicaid Services. She is going to talk today about
discussing overall strategies for outreach and
enrollment during marketplace open enrollment. Lisa?>>Lisa Wilson
Thank you so much. And let me just say thank you
to everybody for having me here today. It’s really exciting to talk
to a group of people who work so much on making sure that
all people in our country have access to health coverage and
health coverage options. Hopefully I can give you a
little bit of information about some of the options under the
marketplace and then connect it back to some of the work in
the Medicaid and CHIP world. So let me just of course, again,
begin by saying thank you for all the work you do
out in the field. Without all the work
that you’re doing, there is no way that folks
in the ivory tower like me could ever be able to reach
so many people in the country. So thank you for everything
that you do. We’re going to start off,
I’m just going to run through a few things. Everybody out there, you’ve been
an important part of this work. Today, about 20 million
fewer people are uninsured. The Affordable Care Act has
driven the uninsurance rate below 10% for the first time
ever, which is amazing. So give yourself a pat on
the back for your part of that. You know, it was just six years
ago that millions of Americans were locked out of our health
care system because they couldn’t afford
insurance or because they had preexisting
conditions. Women were charged
more than men. Health care costs were rising. So we know that there was
a lot of need for the Affordable Care Act. Next slide please. Again, you can look
at these numbers. Amazing results
on preexisting conditions. So many people had lifetime
limits and weren’t getting the preventive services
that they needed, and now, thanks to the
Affordable Care Act, all people are able
to access those things today. Next slide please. So the marketplace uses an
eligibility determination to help people get access to
a health plan through a private health insurance company on
the exchange or the marketplace, different people
talk about it differently. All of our materials call it the
health insurance marketplace. Just making sure everybody
is on the same page, and giving you the basic 411,
insurers offer qualified health plans through the marketplace. They allow people to access
premium tax credits that lower what somebody pays for their
monthly health premiums. It also, depending
on their income, may qualify them for cost
sharing reductions to lower what people pay on
out of pocket costs. And of course,
everything is linked, in that we’re trying
to make it as streamlined as possible through
Medicaid and CHIP also. Next slide please. For folks who are interested in
helping people obtain coverage through the marketplace,
we have four ways people can apply. Obviously the first step
is to submit your application and get your eligibility
process determined. All of that can happen
real time, whether you are over the phone, online,
or in person help. And we know that different
people have different needs. Some people like to be online,
some people still prefer over the phone. Then there is a group of people
that really likes that face to face interaction. So not only do we have
groups out there, and maybe some of you are
part of our local coalition, they’re assisters working
with people in person to help them apply for marketplace coverage. We also have agents and brokers
that are working on insuring people through health
insurance companies too. So a lot of ways people
can qualify for the marketplace coverage. The big thing, and this is
one important difference, if you spend a lot of time
on Medicaid and CHIP. One important piece of the pie that
you have to remember is that, you go through the
eligibility determination, and then you have
to enroll in a plan. So to enroll in the plan
is a two part process in the marketplace. First, you go through
and you pick a plan, you select a plan. And then you have to effectuate
coverage is what we call it in the health policy wonk world. All that really means
is that you make your first month’s
premium payment. So most of us who have insurance
through our employer know the drill about paying
our health insurance premiums every single month. In the case of the marketplace,
in order to actually get enrolled in the plan
you have to pay that first month’s premium payment. So I just wanted
to call that out, because that is one important
difference between the world of Medicaid and CHIP and
the world of the marketplace. And I know various states have
a lot of different cool programs in the Medicaid and CHIP world,
so some of this may or may not apply. But I just wanted to make
sure that you knew that in the marketplace,
we do have that important step where people have to make their
first month’s premium payment. And we’re really emphasizing
that this year to make sure people get their coverage. Next slide please. So we’ve already talked about
an important date next week, November 1,
open enrollment starts. That’s the first day that
you can enroll and re-enroll or change for your 2017 plan. The coverage would start
as soon as January 1. You have to help people enroll
by December 15 to get their coverage started on January 1. Next slide please. Kind of going through one more
slide on dates and deadlines. January 1, 2017 is when
coverage would start for any of those folks
who came in by December 15. And January 31, 2017
is the last day folks can enroll or change
their 2017 health plan. After that day, people have
to change plans only if they qualify for
a special enrollment period. That means you, not to go
through every single one, but if you got married,
divorced, had a baby. Life changing events. Next slide please. I think I already alluded
to the importance of in person assistance,
but let me just say it again, and I don’t think I have
to tell this crowd how important it is to have that
personal interaction. Help is available
in the marketplace. We do have a call center
that people can interact with a live person. We also have
localhelp.healthcare.gov, where folks can go and find
a real person they can sit across
from in their area. So it’s an exciting tool. It boasts on one tab
with folks who are assisters, so there tends to be a lot of
community based organizations and other folks like that. And then also agents
or brokers who are available. We have awesome language
assistance through our call center and even have help
for folks who might be looking for an application and
are looking for a job aid in many different languages,
33 different languages. So I’m going to move
to the next slide, and I’m going to just
quickly talk about, there has been a ton of
marketplace news and we’ve obviously been able
to learn a lot of lessons from some of the things we’ve gone
through here at the marketplace. I’ve been here since Day 1,
and we have learned a lot. Number one is affordability
reigns supreme. People want their health care
to be high quality health care, but they are going
to come back and shop. People are really engaged,
and they want to know what’s going on. They also want to know if
their doctor and hospital and drug coverage is all there. We have new tools that have been
further incorporated into our process this year so people
can do that more seamlessly. We’re seeing definitely
the marketplace mature. We’ve seen some innovation
happening in the marketplace as insurers look to,
what’s my network look like, how can I better coordinate care
across different providers. What are the right
benefit designs, and how can I really retain my
customers on a monthly basis. So what we’re seeing is
that one size doesn’t fit all. That doesn’t surprise people
in the Medicaid and CHIP space at all because
that’s what you already know, and that’s why the Medicaid
and CHIP programs have become so successful,
you are able to tailor it to populations in your state. So a lot of
the same lessons learned. Two seconds more I want to
just spend letting people know, we’re also spending a lot
of time this year on marketing towards young adults. We’ve announced some really
cool stuff around the gig economy
or innovation economy. So a press release went out
yesterday talking about some of the cool partnerships
that we have with companies across that sector. We’re also doing
some really cool stuff. A world that I didn’t
know before this, many of you may know it,
it’s called Twitch, it’s an online gaming platform. We are going to be spending
a lot of our ad buy there, trying to target
some young adults. So you’ll see some really cool and
innovative stuff going on in the marketplace this year,
whether it’s from the marketing side like I’ve just
mentioned or actually the health insurer side. So a lot of cool stuff going on. November 1 everything starts,
and don’t forget the enrollment dates are November 1
through January 31. Final slide. How do we connect this back to
the world of Medicaid and CHIP? So remember of course,
folks can apply any time with the Medicaid
and CHIP world. And you want to look for some
themes that are really easy to work your messaging in through,
like back to school or cold and flu season. And really emphasizing all
the quality of care and the huge range of benefits
that are covered like dental and immunizations. And again, retention is just
as important in the Medicaid and CHIP world as it is
in the marketplace. So with that, I’m going to pause
and see if anybody has questions and thanks for letting me answer
some questions midway through.>>Gabriela Duran
Thank you Lisa for all that great information. At this time there
are no direct questions, but we will follow up
if there are any questions towards the end
of our Q&A session. Thank you though for all that
really valuable information, and letting us know about
all those cool new spaces that you all are getting
involved in to reach more people about
the marketplace.>>Lisa Wilson
I hope everybody was Googling Twitch.>>Gabriela Duran
Thanks for that. Before we continue on
to our next speaker, we’re going to ask
another poll question. What are the key times
of year for your outreach and enrollment efforts? And you can select all that
apply for the question here. Great. It looks like a lot
of you are actually, 81% are conducting outreach
and enrollment efforts all year round,
followed closely by marketplace, and then back to school. We’re glad that everyone is
taking advantage of these really prime opportunities
to reach families and children about health care coverage. Great. So our next speaker
now is Erin Hemlin. Erin is the Director
of Training and Consumer Education at
Young Invincibles. Erin?>>Erin Hemlin
Great, thank you so much. Thank you for having
Young Invincibles on today, I’m really excited to talk
a little bit about my work and thank you for all
who took some time out of your day to join
the webinar. Again, my name
is Erin Hemlin. I’m the Director of Training
and Consumer Education at Young Invincibles,
and I’ve lead our health care outreach work for
the last few years. Next slide please. For those of you who may not be
familiar with our organization, we are a national nonprofit
organization focused on economic advancement for millennials. By millennials,
generally we’re talking about young adults ages 18-34. We work primarily on three main
issues: access to health care, access to higher education,
as well as financial security and work worth issues. Through or work on health care,
we actually got started back in 2009 as the debate over
health care reform was happening in Congress. Our founders were students
at the time who felt that the young adult voice wasn’t
really being represented in the conversation
over health care reform. So they started
a movement to gather stories, to hear what young people cared
about in health care reform, and bringing
that voice to the table. Through that work,
we ended up culminating around the provision of being able
to stay on your parents’ health insurance until the age of 26,
which was ultimately successful and still to this day one of the
most popular parts of the law. So after the ACA passed
and was signed into law, we started the organization
Young Invincibles to see through implementation of the ACA. And through that we started
and have led a campaign called Healthy Young America,
which I’ll go into a few details next. Next slide please. So a quick agenda. Again, we started this campaign,
Healthy Young America, really with the goal of reaching
young adults to provide just a basic consumer
education of what the Affordable Care Act is,
how it impacts young people specifically, and then provide
partners with the outreach, best practices and tools
to reach young people in their communities and help them
get signed up for coverage. So I’ll run a little bit of
the background of that, then talk a little bit about
the key messaging in outreach best practices we’ve identified
through that work over the last couple years and a few new
initiatives we’re working on for this open enrollment period. Next slide please. To start off,
I’d just like to give a quick overview
of how far we’ve come. As you can see
through this graph, young people were
uninsured at higher rates than any other age population
or age group prior to the ACA. We have seen dramatic
declines in the uninsured rate of young people. Prior to the ACA,
young adults 18-34 were uninsured as high as 28%. That dropped down to 22%
in 2014 and is now as low as 15% this year according
to new census data that just came out this fall. Which is incredible,
an incredible drop. We’ve seen a drop of
7.4 percentage points, which is twice as much
as older Americans 35 and older. So we’ve really come a far way,
even though there is still work to be done and we’re really
excited to make that number even lower this
open enrollment period. Next slide please. To give a quick overview of
what we did with our campaign. We basically used three
methods to reach young people all across the county. The biggest one was
a partner training series. We’ve led a train
the trainer type series, working with a variety
of different partners all across the country. A lot of in person
assisters, navigators, health care outreach workers,
all kinds of folks who are working directly
on ACA implementation as well as organizations and partners
who work with young adults or have networked with young
adults but didn’t necessarily have that health care piece,
such as college advisors and faculty, YMCAs,
Boys and Girls Club, etc. The idea was to
give them information, kind of an ACA Policy 101
on how the ACA impacts young people in terms of biggest
benefits and motivators for young people to sign up as well
as those outreach best practices I’ll talk about in a minute
on how to get that message out there within their
community and help motivate young people to enroll. In addition to that
work with partners, we also did a lot of direct
consumer education through education enrollment events that
we held on the ground in about 20 states over the past
four or five years, as well as online. We ran a pretty sophisticated
digital outreach campaign through social media and
our email list to reach young people as they are interacting
through social media and online. Part of that we started
a millennial families Facebook group,
which actually picks up a lot of interest with young
parents where we can share resources and information
with young parents all across the country that we have
met throughout our work, and they can interact
with each other, which has been a really fun way
to connect a lot of millennial parents together in one place. Next slide please. Through that work,
we’ve talked to thousands of young people
on the ground and online, and we’ve developed a set of
some lessons learned and best practices that have evolved
over the past three open enrollment periods. Next slide please. So to start out,
I always like to debunk this myth that young people
don’t actually value or don’t want health insurance. We’ve seen in our work time
and time again that this simply isn’t true. Prior to the ACA going
into effect, back before implementation
fully took effect in 2012, we ran a poll of uninsured
young adults nationwide. Through that poll,
only 5% reported that they chose not to have
health insurance. Everyone else across the board
basically said that they didn’t have an affordable option or
just didn’t have access at all. So we’ve seen through
our conversations with folks on the ground the same thing
time and time again. Really, young people want and
value health insurance for themselves and their family. It’s just about
affordability and having access to health insurance. And we know the ACA
is an extremely complicated and complex law,
and it’s hard to comprehend all of that information
when you have a million other things going on. So we found that there really
was a huge need just for an education
and awareness campaign, which is why we set out
to do what we did. Next slide please. So a few best practices
I wanted to highlight here. When working with young adults,
and especially working with young parents,
it’s really important to build strategic partnerships and build
strong relationships with validators within the community
you are trying to work in. And on the next slide
I’ll go through a few of those partners that we’ve identified
and good places to do outreach. But I can’t stress enough,
it’s really important to try to find people where they are. Go to where they are. Especially with young parents,
they’re not looking to add more things to their calendar. You need to go to where
they are already working, where they are
already socializing, where their kids
are going to school, etc. in order to get messages
out there rather than expecting them to come to us. Digital engagement,
again I mentioned, has been a really
great way to communicate. The vast majority of young
adults are on social media and have primary access
to the internet through their smartphones,
and it’s a really great way to get simple
messages out there. We recently started
a new partnership with a mobile app called Fresh EBT,
which has a really great and innovative feature where
you can download a mobile app for folks who are eligible
for SNAP benefits and be able to see their benefits right then
and there rather than having to call to find out
their balance. And they’ve agreed to send
push notifications out throughout open enrollment
to people who have downloaded that app, which
we’re really excited about, in order to get those messages
out there about deadlines and things as they’re coming up. And finally, and we’ll talk
a little bit more about messaging in a second too,
but really tailoring your message to the whole family. We’ve seen a lot,
especially misconceptions when young adults have been told,
or young parents have been told, that they are not eligible
for health insurance they just automatically assume that
their children aren’t either. And in many cases,
their children will be eligible for traditional Medicaid
or CHIP even if their parents are in a coverage gap
in a state that hasn’t expanded, or maybe now they’re eligible
for marketplace insurance but were told
in the past they weren’t. So really making sure that
the messaging is tailored for mixed status households
and mixed eligibility households as you’re working
with young parents. Next slide please. Again, so I just wanted
to highlight a few of the key partners that we really
strive to work with when working with young
adults and young parents. Community colleges are really
a great place to do outreach and try to build relationships. Prior to the ACA,
a lot of community colleges had uninsured rates as high as 80%,
partly because the majority of their students tend to be what
is called a nontraditional student, students who are older,
above the age of 26 who are no longer on their
parents’ insurance, who maybe are going to school
and working part time and don’t have
an employer option. It’s a really great place
to do outreach and find some of these young adults
who are likely eligible for marketplace insurance. And when working with
young parents specifically, we’ve had some success working
with clinics and trying to talk to young parents who are taking
their children in for checkups or getting immunizations
at the beginning of the school year to talk to the parent
about their insurance needs. Getting them kind of
all in one place has been a really successful tactic
for our in person assisters. In addition to that, working
with elementary schools, PTA programs, even the YMCAs
and recreational league sports for children, peewee football,
peewee baseball, all kinds of programs like that,
and trying to reach a group of young parents in one place
and get information out there to set up appointments and
remind people about open enrollment and remind people
about financial assistance has been a really great
place to do work. Next slide please. To identify some of those
key messages when we’re working with young people,
we’ve really found there are three phases of messaging
to young adults specifically. I think of them as
the first phase being, really highlighting
the benefits of having a health insurance plan. Walking through what
preventive care looks like. We’ve found in our work
that just saying the term, free preventive care
is available when you have health insurance,
wasn’t really resonating with the young folks
we were working with. However, once we broke down
what is included under preventive care,
that really clicked and they could see value in that. Just the term was
not familiar or not resonating as a health insurance benefit. But especially for young women,
access to contraception without a copay is
a huge motivator. For young parents,
well child visits and prenatal care and pediatric care
for their children are great benefits that are
included in every plan through the essential health
benefits and really important to highlight. The second phase is
the financial aspect. I think the financial
security and peace of mind of knowing that having
health insurance, you’re protected against huge
medical debt if you are to get sick or get in an accident. That can be a really
positive message too. And of course, finally,
the fact that there is financial assistance available,
and for young adults, young adults disproportionately
benefit from the subsidies. If you are a young person
just coming out of school, working an entry level salary
or maybe working part time while you are finishing school
and have a lower income, you are going to benefit
the most from those subsidies, and really driving
that point home is really critical to motivating
young adults to enroll. Next slide please. Just to illustrate that a little bit further. When talking about
affordability, it is really important
to make it concrete and give localized examples. We found that the vague,
financial help or financial assistance is available,
it tends to not resonate with folks. A lot of people seem to think
that that is going to be for somebody else
and not for them. However, if you kind of
break it down into really specific examples of saying,
for example, we spoke to a Virginia mother
and she and her child were able to get
covered for $17 a month. That’s affordable,
and that’s intriguing, and that will motivate people
to see what their options are. So definitely,
keeping it simple and keeping it very clear of what that
affordability piece means, specifically for a young parent,
and how much they’re going to benefit from the subsidies
is really, really important. Next slide please. All right. So a few more slides
I have on kind of, what’s coming up
and some new initiatives for Open Enrollment 4. Next slide. So Lisa spoke about
this a little bit, but I’m really excited
about some of the new initiatives coming out
of the administration, particularly on reaching
young adults. Twitch, as she mentioned,
the streaming platform will be running ads and click
throughs that will take you to healthcare.gov to sign up. One of the most critical updates
is HealthCare.gov Mobile 2.0, which basically means you can
complete the enrollment process through a smartphone or tablet,
which previously we couldn’t do in open enrollments 1-3. Again, 1 in 5 young adults
primarily or solely access internet through a smart phone. So mobile access is extremely
important for this population. I think it’s going to be
a really, really big benefit. If you haven’t heard
of this also, the IRS is also doing
outreach this year to consumers who have paid the penalty
in the past. And I think that’s
also really important, especially for young adults
and young parents who probably aren’t aware that they
are eligible for a lot of subsidies and can probably get
an affordable plan and not pay that penalty and then also
have health insurance and that financial protection
of being covered. And then finally,
Healthy Adulting. So this is a new campaign that
we started about a year ago to really bridge that gap
of understanding how your health insurance works,
particularly for young adults. As more and more people
gain health insurance, we really want to make sure
that that results in better health outcomes and that
young people are seeking out preventive care and
actually utilizing their health insurance. So we started this campaign
and have since broadened it and partnered with HHS and
Enroll America and Out to Enroll and a few other partners to lead
this umbrella campaign called Healthy Adulting to reach out to
young folks throughout the year. Next slide please. So here are a few of the things
that we’re doing under that Healthy Adulting umbrella. First we released a toolkit
about a month ago called the Healthy Adulting Toolkit,
and it’s really consumer facing but we’re hoping that as
a package it works as a great resource and outreach tool
for folks doing outreach to young people on the ground. It again has a fact sheet
on the Affordable Care Act, just the basics particularly
as it impacts young people. Health insurance basics,
kind of understanding how your cost sharing works. I think we see a lot
that people grasp the concept of the premium,
but after that, understanding your deductible,
your copays, your coinsurance and how
they all interact with each other is very confusing
and a lot of people have a limited understanding of
what all of that means and how you can compare
different plans with different numbers when you’re shopping. So that is hopefully helpful
in breaking down some of those complex terms as well as
an explainer of how the tax credit works and explaining
how the penalty works, and of course emphasizing
preventive care. So we have that up
on our website now, and we’re hoping to develop
more materials that we will frequently
add to it. We get a lot of questions
from young people about dental insurance for example,
so we are creating a one page fact sheet on how dental
insurance works as well as a one page fact sheet on a well child
visit and why it’s important for young parents to take their
children for an annual exam. In addition to the toolkit
and online resources, we’re hosting on the ground
workshops that we will be holding in conjunction with
enrollment events to provide some of that education
background to folks that are coming in to
get enrolled. And then of course pushing out
a lot of digital content and working hopefully with
a lot of very cool and exciting digital influencers this year
to really maximize the message. Next slide please. Finally, we will be running
our fourth National Youth Enrollment Day
on December 10, 2016. This is a national day of action
that we have led along with Enroll America and HHS
and the White House every year during open enrollment,
where we have worked with partners all across
the country to really focus on enrollment for young
adults on this one day. Every year we have had about
200 events reaching thousands of young people
all across the country, and we are doing it
again this year. So if you would like to host
an event or just be involved in the movement in any way,
please reach out to me and I would love to give you
some more details about that. Next slide please. All right. Thank you so much for having me,
and I’d be happy to take questions at the end. But that’s all for me. I’ll turn it back to you guys.>>Gabriela Duran
Thank you Erin for that great overview of
the Healthy Young America, Healthy Adulting and
the Young Invincibles Initiative and providing some really
helpful tips for reaching and engaging millennials
where they are. That was great. Our next speaker today,
we have Sophie Stern. She’ll be speaking about
increasing access to comprehensive
health coverage. Sophie is the Director
of Policy and Strategic Initiatives at Enroll America. Sophie?>>Sophie Stern
Great, thank you so much. Good afternoon everyone. I am very excited to be here. Open enrollment
is just a week away. So I know you all are
doing this work year round, but things for Enroll
America definitely pick up around this time. Next slide. So I just wanted to spend
a little bit of time talking about who Enroll America is
if you’re not familiar with our organization. We are an independent nonprofit,
nonpartisan organization. We’re dedicated to working
with partners to maximize the number of Americans
who enroll in and retain health coverage under the ACA. We’re focused on making sure
consumers know about their options through
the marketplace as well as through Medicaid and CHIP. We’ve been doing this,
or I’ve been doing this work since the inaugural open
enrollment period in 2013, and it’s been a wild but
important and fun ride. We have staff on the ground
in North Carolina, Tennessee, Texas, Ohio, Florida,
Michigan and Colorado, and then we have regional
directors across the country working with partners at a more
local level to get information in the hands of consumers. Next slide. In terms of what
I wanted to cover today, I wanted to talk a little bit
about the cycle of enrollment, the remaining uninsured
and opportunities for enrollment gains as we think
to OE4 and beyond. Some outreach messages
and tools, and then of course
the importance of in person help and tools to connect
consumers to local assisters. Next slide. So I have this slide here just
to help orient us in terms of the way that Enroll America
thinks about enrollment. And we really think
about it in terms of this cycle of enrollment. We spend a lot of time working
to identify the uninsured, following up with the uninsured
once they’ve been identified, making sure that they are
connected to in person help in their communities
or online resources if that is what they prefer. But once those individuals have
really enrolled in coverage, our work isn’t over,
and I think that many of you on the phone definitely
recognize that our work doesn’t stop when somebody
has enrolled in coverage, that there is quite a bit of
work that we need to do on the back end to make sure
that people are appropriately utilizing their coverage,
finding that primary care doctor. If they are in
marketplace coverage, making sure that they are paying
their premium each month and that they are actively
coming back to the marketplace to renew. And of course, with Medicaid
their reenrollment dates are a little bit different
than marketplace, but we are just finding that
that messaging surrounding renewal and making sure people
maintain some type of coverage, whatever coverage
they might be eligible for is absolutely critical. So even though the next three
months are going to be intensive from an outreach perspective,
for the marketplace, this work really does
continue year round. Next slide. Some of you may have seen
that the Urban Institute, in conjunction with the Robert
Wood Johnson Foundation, released a report earlier
this summer that showed some data on who are the
remaining uninsured and really what are the
opportunities to reach those individuals and move them
to take action to get covered either through Medicaid
or the marketplace. I thought that this report
and the data that was presented in this report
is particularly relevant to folks on the phone here,
just because when you are thinking about who is
the most movable of the remaining uninsured,
it falls squarely in terms of your target population in terms
of the people you are working every day to try to connect
to coverage. So what the Urban Institute
found is that 53% of marketplace individuals who are eligible
for financial help and 67% of individuals who are eligible
for Medicaid or CHIP are living in families in which at least
one member is already receiving the Earned Income Tax Credit
or at least one other public benefit such as SNAP. 24% of the marketplace
population that is eligible for the greatest amount
of financial help, so those cautionary reductions,
and over 50% of Medicaid and CHIP households,
have at least one school aged child in the family. The next data point here
is really just to say that, you know, a really big chunk
of the remaining uninsured who are eligible for a good
amount of financial help from Medicaid/CHIP
are younger adults. So I think this is just to say
that the work that you are doing over the next year and future
years is more important than ever and I think that there is
progress to be seen among the population of individuals that
you’re trying to interact with and engage during the next
open enrollment period. Next slide. In terms of messaging,
we’ve spent quite a bit of time over the past few years refining
our messages to reach consumers. Something that we have learned
is that individuals in this space,
uninsured are incredibly price sensitive and
they really value the importance of
in person help. We have found that people
are less likely to react to a message that is really high
level and not personalized. We have tried to get more
specific in terms of our high level messaging. It can be hard to do when
you are trying to reach a broad population,
but we’ve tried to get as specific as possible. Something that I would
just acknowledge is that, when thinking about messaging
during open enrollment, and when you are thinking
about trying to engage various different populations depending
on their eligibility, it can get complicated
very quickly. So we have found that
we try to keep our messages as simple as possible,
understanding that not each point is necessarily going
to resonate with the marketplace population or the Medicaid
population but our goal is really to use messages that
we know that work to get people in the door to meet with that
in person assister to start to explore options. So the five messages
that we know work are, first and foremost,
that financial help is available to lower monthly costs. This year we’re actually
releasing new messaging today or tomorrow,
and it’s going to update this first point to include,
more than 4 in 5 adults are eligible for financial help. The second point is again,
in person enrollment help is available in your community. Three, coverage helps
protect both your health and
your wallet. We know from consumer
testing that people really do value health insurance,
they do want that financial security. This fourth bullet,
new plans and new prices are available. We’re also tweaking that for
this year just because some of the headlines around issuers
pulling out of marketplaces, and then we’re going
to tweak it to just really motivate consumers to shop. There might be a better option,
a more affordable option out there for you, we know that
people who actively shop do save money month to month,
HHS has some really good numbers on that. And then fifth, there is
a fine for not having coverage. And so I’m sure we can get these
updated messages out to you, but they’re not changing
significantly, but there are some tweaks that
we’re making for this year. Just unfortunately,
we weren’t able to have them done in advance of this call. Before we move on
to the next slide, I just want to acknowledge
that there are some challenges this year in terms of outreach,
and we know that there is a lot of conversation
around rising premiums, there are some issuers exiting
from certain marketplaces. And then of course there is
a big election coming up. These are all things that
we need to take into consideration in terms of
our messaging to consumers. So in talking about rising premiums,
our role is really to serve as an explainer to help consumers
understand what is happening. We are pointing out that premium
rates are increasing each year, but it’s not as significant
as it was before the Affordable Care Act was passed and new
price controls were put in place to slow that growth. And then most importantly,
I think it is, the financial assistance is tied
to the actual price of plans. And so as prices increase
so does that financial help. So those are kind of
our key messages there. And I think one key stat that
is important is that even if every premium in the country
rose by double digits, thanks to financial help
three out of four Americans could still find
a plan for $75 or less. And that is pulled from
data that HHS has put out. And I think in terms of issuers
exiting the marketplace, the bottom line is that
consumers need to know that they still have options,
there are still multiple plans available to them
in the marketplace. On average,
even if there is just one issuer issuers are offering
about ten plans, and the average consumer
has about thirty plans to choose from. So I think that is just
an important point for individuals to know. We’ve also developed
a graphic for individuals who are affected by issuers
exiting the marketplace. You can go to
getcoveredamerica.org to find that resource. So that is just
a little bit about our consumer facing messaging. I think we can go
to the next slide. I did want to spend
some time talking about our outreach tools. So if you go
to our consumer facing site, getcoveredamerica.org,
there are a suite of digital tools that are available to
consumers to use for free. The first is our Get Covered
America Calculator, which helps people estimate
the amount of financial help that they might be eligible
for each month if they shop through
the marketplace. If it turns out that
we think that they’re eligible for Medicaid,
we’ll direct them to the appropriate resources. So we’ve spent a lot of time
making sure that we are directing traffic to
the right point of entry for people to take action to enroll. The other tool is the Get
Covered Plan Explorer, which helps people understand
how much they might be spending in total out of pocket costs
over the course of the year depending on which marketplace
plans they are interested in in their area. We take into consideration
their health conditions and their overall
health status. And of course people
can look up their providers and drugs as well. And the last tool that
I won’t spend too much time talking about now is
our Get Covered Connector. It’s a tool that people can type
in their zip code and find in person in their community. I’ll spend a few minutes
talking about that towards the end of the presentation. But some actual tools that
we have found incredibly effective to use in terms of
outreach are commit cards. It is basically a card that
at the top has some information about open enrollment
or new health insurance options for the individual. And at the bottom of that card
is just a place for consumers to fill in their information. So if you are talking
to somebody in person, say in a high traffic area,
and you are asking them if they are interested in
finding out more information about health insurance,
you would hand them the top piece of that card
that has information about where to go and how to get help,
then you would take the bottom piece which includes
their name, email, phone number, so you can continue to follow up
with them throughout the enrollment period or
throughout the year and get them
connected to coverage. Another tactic that we found
that is helpful is sign in sheets. If you are a health center,
or if you just have a place where people can sign up
to receive more information about health insurance
should they be interested. And another tactic is providing
staff with call scripts to conduct that follow up,
so you can get a sense of what messages are working,
what it is that people are needing help with over
the phone to even refine further your outreach and follow up
and become even more efficient. Next slide. So in OE3, you’re going to hear
from speakers across the board how important partnerships are. But something that I think
in OE3 we had some really unique partnerships,
which was incredibly exciting to reach various
different populations. We partnered with the DMV,
we partnered with utility companies to make sure people
were receiving information with their utility bills
surrounding the availability of in person help. So I think that when thinking
about people that you can work with in your community to get
the word out that it’s okay to think outside the box and
really think about who are those stakeholders in the community
that touch consumers that you’re trying to reach
the most and how can you get them involved or understand
the value of participating in this effort
to reach consumers. Next slide. Again, Lisa talked
about this as did Erin, but I think the value of
in person assistance, we just can’t say this enough. We know that people who received
in person help were 60% more likely to successfully
enroll in coverage. Over 80% agreed or strongly
agreed that they would recommend in person assistance to a close
friend in a survey that we conducted after
the third open enrollment period. Something that is interesting
we’re finding is it is not just older populations that are
wanting in person help. It is even young adults who
we all think are tech savvy, and who very well may be,
but they are also wanting that in person assistance. So it is just an incredibly
important resource to continue to provide to consumers. Next slide. So what you see here on
this slide is an image of our Get Covered Connector,
it’s our Find Local Help tool. Consumers can use this tool for
free to enter their zip code, they can search within what
distance they want to find help, what language it is that
they need help in, and then they search for help
and they can find organizations in their area that
are providing that assistance. Next slide. So the Get Covered Connector,
again from a consumer facing perspective,
is free for individuals to use. From an organization perspective,
it’s free in the sense where you can take this tool and embed
it on your website and make it available for consumers to use. If you want to use it as a back end
scheduling tool you can do that, it does cost a little bit of
money but you can manage assisters’ schedules in one system,
make appointments publicly available for consumers to book,
you can automatically send consumers
appointment reminders. We have found that the more
interactions consumers have with the organization before
an in person assistance appointment the more likely
they are to show up. And then you can of course
access all appointment data for your reporting needs. And that is aligned with
the CMS reporting requirements. So with that we can go
to the next slide. Thank you so much
for inviting me to speak today. Again, I’m happy to answer any
questions that you may have at the end of today’s presentation. And I’ll turn it over
to Rachelle.>>Gabriela Duran
Thank you Sophie for your insights on messaging and
all the resources from Enroll America available
to help increase access to comprehensive health care. Our next speaker today
is going to be Rachelle Brill, and she will be speaking
about building strong networks for health care enrollment. Rachelle is a Policy Analyst
at Community Catalyst. Rachelle?>>Rachelle Brill
Hi everyone. Thanks so much for having me. I’m going to be speaking today
about strategies for building and maintaining a strong network
when conducting outreach and enrollment for
Medicaid and CHIP. But first I’m going to back up
a little bit and just talk about who Community Catalyst is. Next slide. So Community Catalyst is
a national nonprofit health care advocacy organization. We’ve been around since 1998,
and we’re based in Boston. Our mission is to ensure that
everyone has access to high quality affordable health care. We think this mission is best
achieved when consumers have a strong organized voice
in the health policy decision making process,
and so we seek to bring that voice to the table by both
supporting pro-consumer policy changes at the national level while
also working with state-based consumer health advocates
in about 40 states to build tailored health care
advocacy campaigns in their state or region. Next slide. So for the past few years,
our network of both consumer health advocates and enrollment
assisters have developed some best practices when it comes
to building a strong network to reach the uninsured and
enrolling them in either the marketplace,
Medicaid or CHIP. One is working with local
community based partners who might have pre-established
relationships with the eligible and uninsured. Another is meeting consumers
where they are as Erin mentioned rather than having
your own event and asking consumers to come to you,
going out into the community to reach the eligible and
uninsured where they already are
or are likely to be. And lastly,
training the trainer, or working with community based
partners who perhaps are more likely to come into contact
with the uninsured to educate them about health coverage
options so they in turn can educate eligible
and uninsured consumers. I’m just going to give some
example of work that state based partners have been doing in
employing these strategies. Next slide. Our partners at the Arizona
Children’s Action Alliance really excelled at both working
with local and community based partners as well as meeting
consumers where they are by working with school officials to
conduct school based outreach at back to school and other school
events in the city of Phoenix. They not only brought enrollment
assisters to the events so parents and children
could enroll in coverage during the event,
but they also created materials such as the application check
list on your screen that shows all of the documentation needed
to complete a Medicaid or CHIP application. And they put that checklist into
backpacks and other promotional materials that were already
being distributed at the event. They realized that this method
was really effective in reaching the eligible and uninsured
with both health care coverage information and enrollment
opportunities. Because as Erin
mentioned earlier, rather than giving parents an
additional item or event to go to or put on their to do list,
they decided it was more effective to incorporate health
care coverage information and enrollment into the preparation
parents were already doing for their children to get
them ready for school. Next slide. Also our partners at the Children’s
Defense Fund in Ohio really excelled at working with local
community based partners as well as training the trainer by using
bilingual community outreach workers to reach the eligible
and uninsured racial and ethnic minority children in different
cities throughout Ohio. So they used community health
workers to not only assess the particular outreach needs
of different regions, but then also to meet consumers
where they are in the community by conducting outreach and
education at existing social service programs such as
at English speakers of other languages classes. Next slide. Another community network
that I wanted to mention, and this is a national community
network specifically for enrollment assisters
is In The Loop, which is the project that
I work on at Community Catalyst. In The Loop is a joint project
of Community Catalyst and the National Health Law Program
that began in 2013. The one sentence description
I like to give is that it is a password protected online
community created for enrollment assisters such as navigators and
certified application counselors to share their
enrollment experiences, ask questions to one another,
and to also trade best practices and report problems that they
are having with enrollment. Right now we have about
4,700 members in all 50 states, and it’s really a great
community for sharing best practices and asking questions. We often get a lot of questions
related specifically to Medicaid and CHIP
eligibility and enrollment. Next slide. Another important feature of
In The Loop that I like to mention is that it serves as
a feedback loop between assisters on the ground
that are conducting outreach and enrollment and federal
policymakers. So a really great advantage of
having a community of assisters from all over the country
is that we’re able to spot trending issues that
are occurring either between multiple assisters
in the same state or different assisters
in different states. So one of the things In The Loop
does is summarize the issues we’re seeing into reports and
sharing them with federal officials at the White House,
Department of Health and Human Services,
and the IRS so they can get a sense of how enrollment
is working on the ground. So In The Loop really serves
as a great feedback loop, not only between assisters,
but between enrollment assisters on the ground and
federal policy makers. So if you are an assister,
or you’re working for an organization that is
a navigator grantee or is partnering with another
assister organization, feel free to log on to
www.enrollmentloop.org to register for In The Loop
and connect with others who are doing the same thing. Next slide. And that’s all for me. So I will turn it back over
to you Gabriela.>>Gabriela Duran
Thank you Rachelle. Thank you for sharing the best
practices and helping us get examples from all those people
doing work on the ground to build these strong networks
within the community. Our last speaker today is going
to be Emily Brostek. Emily is going to speak about
leveraging marketplace open enrollment to highlight
Medicaid and CHIP. Emily is the Executive Director
at Consumers for Affordable Health Care Foundation. Emily?>>Emily Brostek
Thanks so much and I’m so excited to be here
this afternoon. I’m going to be talking just
briefly about how we’ve been able to use open enrollment
to get more kids and families enrolled in Medicaid and CHIP. Next slide please. So first,
just some information on my organization so you know
where we’re coming from. Consumers for Affordable Health
Care is based in Maine, and our mission is to make sure
that everybody in Maine can get quality affordable health care. Next slide. We do this in two ways. We help individuals access
coverage and care through our consumer assistance program
and statewide help line, and we also do policy
research and advocacy. We are based in Augusta,
our state’s capital, but we cover the whole state
and we’ve been very involved with outreach and enrollment in
the marketplace ever since it opened and even before. We’ve also been helping people
apply for MaineCare, our state’s Medicaid program,
for over a decade. So we have a lot of
experience in this work. Next slide. As other speakers
have mentioned today, we have also found that people
are thinking about health coverage during open enrollment. Our help line gets very busy. People call saying,
I think I need to do something, I think I’m supposed
to sign up for Obamacare. What should I do? And so we’ve found that
this is a great opportunity to tell people about all
of their different options. Next slide. We also have the benefit in Maine
that we have had a great deal of success in enrolling people in
the marketplace for private health insurance coverage,
and actually we are one of the top states for enrolling people
in the federally facilitated marketplace on healthcare.gov. We are just behind Florida. And well over half of Mainers
eligible for the marketplace have been enrolled. As we have been thinking about
how we can get more families enrolled in Medicaid and CHIP,
we know we can build on that success and use
a lot of those same strategies. Next slide. So lots of different groups are
working on marketplace outreach and enrollment in Maine. So on this group you see some
of the assisters that we’ve talked about,
other presenters have talked about today. But we also have insurance
agents and brokers, you have insurance companies
who are out there running ads and going to events often
and talking to people about their options. Providers and health systems
have a vested interest in getting people covered. Enroll207 is a public education
campaign that is run here in Maine by the Maine
Health Access Foundation. So we have lots of different
groups that are talking about coverage during open enrollment,
but many of them are focused on the marketplace. They are focused
on private coverage, specifically when you look
at insurance agents and brokers but also some of the other groups. Next slide please. And we know that when
you talk to people today, we might get a call on our help
line and that person calling might be eligible for
the marketplace. But they are going to have
family members and friends who might be eligible
for other options. So I think we saw that most
people on this webinar today do both marketplace
and Medicaid enrollments, often year round. And I’m sure you’ve seen this. People come in thinking they are
going to get a private insurance plan,
but it turns out they’re eligible for Medicaid instead,
and we need to be prepared to help them do that. And for those doing enrollments
in our state who are not prepared,
we need to help them know where to send those folks. Next slide please. Just a couple of quick tips from
our experience is to make sure you know everybody who is doing
enrollment in your area. So you may already know the
navigators and certified application counselors
who are near you, but make sure you know the
agents and brokers as well. Next slide. And that
localhelp.healthcare.gov link Lisa mentioned at the top
of the webinar is a great way to find out who is doing this
work that you can connect with. Next slide. And here is a big tip. Once you find people
who are doing this work, if you can,
offer them training and support on
Medicaid and CHIP. So we find that even for
navigators and some other enrollment assisters,
they just don’t know as much about Medicaid. If they are relying on
the training that is available through CMS,
there is a lot of training on the marketplace,
but the training on Medicaid is not specific to the rules
in each individual state and it is a complicated program. So we found that people really
need that kind of support. If we can help all these people
that are out there talking about coverage learn the basics,
they can better assist and refer family members when they meet people
who aren’t eligible for the marketplace but are instead
eligible for Medicaid. So at CAHC, some of the things
that we do is offer full day workshops,
we do custom presentations whenever we’re asked,
and we also have some great resources that
I’ll highlight for you. Next slide please. So we have a comprehensive
eligibility guide that basically goes through the rules for MaineCare
and who is eligible under other categories and
how income is counted, all sorts of things like that. Next slide. We’ve also created some great
references and resources that navigators,
assisters and others can have on hand to use when they
are talking to people. And those resources typically,
like this example on the slide here,
it includes both MaineCare and the marketplace. Someone can quickly see, okay,
how big is the family, what’s the income,
and quickly scan and see what coverage program that individual
is likely to qualify for. Next slide please. Our next step is to make sure
that you are reaching out to others who are doing
enrollment to coordinate. So if you have some great
outreach materials with information about Medicaid
or about CHIP, reach out to other groups
who are already doing events and offer them to them. They would probably be happy
to have materials that they could hand out to families
they meet that may not be eligible for the marketplace. And if you can, find ways
to collaborate on the events themselves. Offer to have them come and
table with you at an event, do presentations together,
and just strengthen those relationships. Next slide. My final tip is to make sure
that you have really strong referral relationships with
all these different groups. So make sure that all of these
individuals who are working on marketplace enrollment know
that you are available to help with Medicaid. Because this is going
to make their jobs easier. If I am an insurance agent,
I am probably not going to be that familiar with Medicaid,
and I probably don’t really have the time to learn it and help
the family navigate it. So we’ve found on our help line,
if busy assisters know that they can send someone to us for help
going through an application and getting through the process,
if insurance agents know that they can send somebody to us,
then that’s a helpful resource for them that
they come to rely on. Next slide please. So this final slide just shows
all those different groups that we have a relationship with,
and we’ve found that these relationships really inform
everything that we do. We often, like Rachelle said
for Community Catalyst, we’ll hear about trends
that are happening, problems with enrollment,
that we can then communicate to Maine’s Department of Health
and Human Services to try to find the fix,
like a confusing question on an application for example. At the same time,
we might hear something from DHHS that we can send back
out to the field so people who are helping with those
applications know the right fax number to use when
they are sending a consent form for example. So we use all these
relationships to understand what is happening and
how we can best help people. Next slide please. And that is it for me. Feel free to reach out,
anybody who’d like to see links to any of of the examples
of the resources I shared. Thanks.>>Gabriela Duran
Thank you Emily for sharing those important tips on
leveraging marketplace open enrollment and sharing
your state’s success in outreach and enrollment. That was wonderful. Thank you all for being
on the webinar today. We’re going to quickly run
through some of the Connecting Kids to Coverage National
Campaign resources. Unfortunately because of
the timing we won’t have time to address questions
directly on the webinar, but we have been taking
your questions throughout the webinar and we’ll reach out
to the appropriate speakers to address those questions and
get those answers to you. So thank you. The Connecting Kids to Coverage
Campaign has a variety of resources available. The campaign has a number of
downloadable resources to help enhance your outreach
and enrollment work. These include tip sheets,
eNewsletters and ready made article templates,
PSA radio scripts, and more. In addition to those
downloadable materials, there are also digital
media tools. So while you are reviewing
the Outreach Tool Library, feel free to use these
digital media tools for your social media channels. We also have content and
graphics that you can share and eNewsletters that you can
share with your network. Some examples of our material
topics include year round enrollment, oral health,
vision, teens, and sports. All those materials are
available for download on www.insurekidsnow.gov. You can also customize most
of our materials to support your outreach efforts. We provide materials both
in English and in Spanish for all of our materials,
and also in a number of other languages as well. The process to customize
materials takes approximately two weeks. All of our outreach videos
and previous webinars are also available in the Outreach
Tool Library on the Insure Kids Now website. The outreach videos are short
videos showcasing a variety of outreach and enrollment
practices from groups across the country. There are several ways you can
stay up to date with the latest Medicaid and CHIP outreach
strategies and stay connected to the Connecting Kids
to Coverage Campaign. Tags can expand your reach,
connect with the campaign on social media. You can follow @IKNGov on Twitter
for campaign updates and to share resources across
your social media channels. Don’t forget to share or tag
messages using #Enroll365, #KidsEnroll,
#Medicaid and #CHIP. We would love to see what you
all are doing in your community. You can also sign up to receive
our campaign eNewsletters. They are distributed throughout
the year and provide updates on campaign activities. If you have any questions or
just want to share an outreach or enrollment strategy,
please feel free to email our team at [email protected] Again,
thank you so much. We were monitoring questions
throughout the webinar, and we will address
those questions with you all individually. I just wanted to send everyone,
our speakers and everyone participating today on the
webinar a big thank you. Remember there are campaign
resources available for download on the website,
and a recording of this webinar will be available on
the website in about two weeks. If you’ve missed
any past webinars, please check out our webinar
archive on insurekidsnow.gov. Thank you very much everyone
and have a great rest of your afternoon.

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