January 10, 2013 ACA Policy Subcommittee Meeting Action Items Action Items Send recommendations concerning navigator grant requirements to CCIIO via Ms. Marx. Engage CMCS staff in the discussion of navigators and MAM funding with CCIIO. Coordinate future discussions of high-priority issues and schedule regular Subcommittee calls. Timeline Person Responsible Status ASAP Subcommittee Members Ms. Gillaspie Ongoing Mr. Nakahata, Ms. Marx, and Mr. Roberts Ongoing ASAP ASAP Notes Ongoing January 10, 2013 ACA Policy Subcommittee Meeting Minutes Agenda Item Documents Received Roll Call Discussion Action Agenda (Attachment A) ACA Subcommittee Tribal Priorities Matrix (Attachment B) Ms. Liz Heintzman, Legislative Program Associate, National Indian Health Board, took the roll: TTAG: James Crouch Mim Dixon Doneg McDonough Myra Munson Phil Norrgard James Roberts Dee Sabattus Jay Stiener CMS: Cyndi Gillaspie Lisa Marie Gomez John Johns Johanna Lauer Kitty Marx Pete Nakahata Lane Terwilliger Paul Tibbits Holly Whelan ACA Policy Subcommittee Meeting – January 10, 2013 – Page 1 IHS: Raho Ortiz John Rael NIHB: Liz Heintzman Other: Adrienne Wiley, KAI Brandon Biddle Welcome Mr. Jim Roberts, Policy Analyst, Northwest Portland Area Indian Health Board, welcomed the participants and expressed the Subcommittee’s appreciation of the Centers for Medicare & Medicaid Services’ (CMS) willingness to continue meeting with the Subcommittee. The purpose of the call was to address several issues that remain unresolved. These issues were outlined in a matrix that identifies each issue, provides a brief summary of the issue, and identifies next steps and timelines for completion (Attachment B). He hoped that group would identify one or two high priority issues to discuss during the call. Mr. Pete Nakahata, Office of Exchanges, Center for Consumer Information and Insurance Oversight (CCIIO), CMS, pointed out that CCIIO staff members from the financial management and consumer support groups were on the call. He recommended that the group start the discussion with the cost-sharing issue and move onto the issues related to navigators. Dr. Mim Dixon, Tribal Technical Advisory Group (TTAG) Technical Advisor, Mim Dixon & Associates, expressed her approval of this approach. She reported that there was a discussion of the need for a list of state exchange contacts and of tribal contacts for the states participating in the federally-facilitated exchange (FFE) during the previous day’s TTAG conference call and recommended that the development of the list be added as a priority. Tribal Provider Cost Sharing Mr. Roberts stated that he had sent an email message to Mr. Nakahata concerning the cost-sharing assistance issues. He asked whether the message clearly outlined the concerns about the proposed rules for cost-sharing. Ms. Johanna Lauer, Health Insurance Exchanges Group, CCIIO, CMS, replied that the central question seemed to relate to the way in which the U.S. Department of Health and Human Services (HHS) payments will filter down to the providers to reimburse them for the cost sharing reductions. Dr. Dixon asked how the qualified health plans (QHPs) will know that a provider, especially an out-ofnetwork provider, is an Indian provider. Mr. Roberts added that this is part of the contracting issue he mentioned in his email. In instances where there is a contract between a QHP and a tribal provider, the provider’s status is known. In instances such as that described by Dr. Dixon (out-of-network provider), it might not be known. Ms. Lauer began her discussion of cost sharing by thanking the Subcommittee for its comments on the payment notice. CMS is in the process of reviewing comments. Because CMS is in the rule ACA Policy Subcommittee Meeting – January 10, 2013 – Page 2 making process, she could only discuss information included in the notice. The policy approach that CMS is suggesting is contained in Section 156.430(c). The notice proposes that HHS will reconcile any type of cost-sharing reduction or elimination (for any group or individual) by reimbursing the QHP issuers for the value of their cost-sharing reductions. The data that HHS will use to determine the reimbursements must include only the costsharing reductions for which the provider has been compensated. Section 156.430(c)(1) of the notice specifies that the QHP issuer with a fee-for-service arrangement with a provider can only submit the amount of cost sharing that the QHP has reimbursed to the provider. The proposed reimbursement is slightly different for capitated contracting arrangements section 156.430(c)(2). In situations where there is no contract with a provider, Ms. Lauer stated that the issue is not whether a provider is in or out of network; instead the issue is whether the QHP is making any type of payment to the provider. If a QHP receives a claim and pays 20 percent because the provider is out of network, HHS would expect that the QHP include an additional payment to compensate the provider for the cost-sharing reduction or the elimination of cost sharing . Mr. Roberts noted that in cases where there is no relationship between the issuer responsible for submitting data to HHS and the tribal system, there are many potential problems that could arise. He was concerned that any cost-sharing payments made to the QHP would not ultimately reach the provider in cases where there is no relationship. Ms. Lauer stated that the proposed regulation would require the QHP to forward the payment to the provider. One of the challenges with this arrangement is that HHS does not regulate the payments all the way to the provider or collect all of the claims data. From an oversight perspective, HHS intends to conduct audits to ensure that regulations are followed; these audits would provide a look back to ensure that the payments are made properly all the way through the system. Mr. Roberts expected that these issues would be less significant in cases where there is an established relationship between the provider and the plan. Based on past experience with the Medicaid program, he was concerned that QHPs would not be willing to contract with tribal health providers. Mr. Doneg McDonough, Technical Advisor, Tribal Self Governance Advisory Committee, noted that the preamble explained that HHS expects plans to pay the cost-sharing reductions to all providers, including Indian/Tribal/Urban (I/T/U) providers, that provide services to American Indians/Alaska Natives (AI/ANs) who are eligible for cost-sharing reductions. Because of this expectation, HHS did not include a statement to this effect in the proposed regulation. Additionally, the way the notice states that plans will be reimbursed by HHS when they make up the cost-sharing reductions to the provider makes it sound as if it the cost-sharing payments to the providers are optional. He stressed that the regulation should explicitly state that I/T/Us should be paid for cost-sharing reductions in the same ACA Policy Subcommittee Meeting – January 10, 2013 – Page 3 way and position that non-I/T/Us are paid. Ms. Lauer clarified that the assumption was that this would be covered by the overarching Section 156.430 provision and that a more explicit discussion of the issue would be duplicative. With regard to the issue of how the QHP will know whether an individual is using an Indian provider, Ms. Lauer pointed out that this becomes important in cases where an individual falls under the limited cost-sharing plan variation (i.e., cost sharing is eliminated if an individual receives services from an I/T/U). CMS is working to identify the operational hurdles to the smooth implementation of this variation and is talking to issuers about reimbursements. She indicated that CMS would be willing to discuss this issue more fully with the TTAG in an effort to ensure that the process works smoothly. One approach is to ensure that a list of I/T/U providers is available to issuers so that they know when a claim is coming from an I/T/U or a Contract Health Services provider. Dr. Dixon asked Ms. Lauer how she anticipated the process of discussing the issues and hurdles would occur and in what timeframe it would occur. Ms. Lauer indicated that CMS is working through some other issues at the moment, but indicated that it would be better to address the issues sooner rather than later. Mr. Nakahata asked whether this issue must be worked out as part of the final rule or whether it would be worked out during the implementation process. Ms. Lauer anticipated that the issue would be dealt with through guidance during implementation. Mr. Nakahata indicated that one of the items that CCIIO has been developing in tandem with the model I/T/U addendum is a list of I/T/U providers. CCIIO has been working with the Indian Health Service (IHS) to create the list. He indicated that this list would help the issuers identify I/T/U providers. Dr. Dixon asked that the Subcommittee be able to review any lists that CCIIO produces because there are multiple lists of I/T/U providers, some of which are more complete than others. Mr. Nakahata indicated that he would take the request under advisement and noted that given the time constraints, the list might need to evolve over time. Ms. Kitty Marx, Director, Tribal Affairs Group, Office of Public Engagement, CMS, stated that Mr. John Rael, Management Analyst, Office of Resource Access and Partnerships, IHS, worked on the list, which she believed to be fairly comprehensive. Mr. Raho Ortiz, Director, Division of Regulatory Affairs, IHS, indicated that IHS would be willing to discuss how best to share the list with tribes. He added that the IHS website includes an I/T/U locator, which should include most of the I/T/Us. Navigators and Assisters Mr. Nakahata asked the Subcommittee members to share any questions they might have concerning navigators and assisters with Mr. Paul Tibbits, Consumer Support Group (CSG), CCIIO, CMS, and Ms. Holly Whelan, CSG, CCIIO, CMS. Mr. Roberts suggested that the group briefly review some of the approaches that the various state exchanges are using to fund ACA Policy Subcommittee Meeting – January 10, 2013 – Page 4 navigator-related functions. He observed that the word “navigator” has become a sensitive term when discussing the financing of exchange-related outreach and enrollment activities. States are using a variety of approaches to work around the limitations in the regulation related to financing these functions, especially in Year One when there is no funding for navigators. He was interested in how these approaches might work under the FFE. Mr. Tibbits agreed that states are taking different approaches to funding navigators. In Nevada, statutes allow the state to borrow against future funding. As a result, the state is estimating its budget and considering borrowing against this amount to fund the navigators. Vermont is anticipating that its state budget will include a line item for navigators. Mr. Tibbits clarified that the only restriction in the final rule concerning funding for navigators is that federal funds cannot be used for this purpose. The rule specifies the use of exchange operational funds. This has led to the assumption that the exchange must be up and running and funds generated by the exchange used to fund navigators. This is not the way that CCIIO has interpreted the regulation. As CCIIO interprets the rule, operational funds are any funds that are not federal establishment funds. Operational funds could include state funds, funds provided by private foundations, or other funding sources identified by the states. He acknowledged that states face budget challenges, but stressed that they can use any financing mechanism they choose to fund the program. In the final rule, the section preceding the one on navigators addresses consumer assistance. Sections 155.205(d) and (e) discuss other programs that states might establish to conduct consumer outreach and education. Some states have requested funds to do this work under a different authority. With regard to the FFE navigator program, Mr. Tibbits stated that CCIIO will fund a program. The TTAG has raised the possibility of a carve-out within the navigator program. CCIIO has looked into this and determined that such a carve-out does not exist in the regulation. He stressed that the final rule identifies Indian organizations as possible navigators. Ms. Whelan clarified that states that choose to build an in-person assistance program under Sections 155.205(d) and (e), cannot use these programs to replace navigator programs. Navigator programs are a required function of the exchanges. Mr. Roberts pointed out that these programs can be used to complement the navigator functions. Mr. Roberts asked whether the FFE would use the same authorities to support outreach and education assistance. Mr. Tibbits replied that CCIIO is working to determine which options are available under the current HHS construct. He indicated that CCIIO is not yet able to share information on how it will approach ACA Policy Subcommittee Meeting – January 10, 2013 – Page 5 this. Dr. Dixon understood that CCIIO will issue grant opportunities for the navigator program for the FFE early in 2013. She stressed the importance of ensuring that there are no elements within the requirements that might exclude tribes from obtaining grants to support outreach and enrollment. It is essential that CCIIO work with the TTAG to better understand how some of the requirements could unintentionally exclude tribes and how others might support the inclusion of tribes. She asked the CCIIO representatives to explain how they envision outreach and enrollment assistance funds filtering down to tribes. Mr. Tibbits reported that there have been internal discussions with the TTAG CMS representatives about these issues. He recommended that the Subcommittee or the TTAG provide these individuals with a document that outlines grant requirements that are both harmful and helpful to tribes. CCIIO would be willing to review the recommendations and incorporate them into any grant opportunities to the extent possible. Mr. Nakahata recommended that the Subcommittee send any recommendations to CCIIO through Ms. Marx or himself. The Subcommittee will send it recommendations concerning grant requirements to CCIIO via Ms. Marx. Dr. Dixon offered non-discrimination requirements and statewide coverage as factors that would eliminate tribes from consideration. Requirements such as these would put Indians in competition with groups that serve all people. Tribes want to be able to serve Indian people because they are most able to so. Short of a carve-out, there are several ways to help Indians compete for funding. One option is the creation of more than the two navigator programs required for each state. Others would be the establishment of grants tailored to specific populations or a requirement that grantees subcontract with specific groups. It is essential that CCIIO does not inadvertently exclude tribes by favoring ease of administration without considering the specific dynamics of groups within the state. Mr. Tibbits explained that the two-grant minimum is actually a two-entity minimum. There could be three entities, or 20 entities, as long as there are at least two types of entities. The goal is to fund more than two grants in each FFE state. The number of grants will be driven by budgetary considerations. Mr. Tibbits asked Dr. Dixon to explain why a non-discrimination clause might prevent Indian organizations from becoming navigators. Dr. Dixon explained that federal law expects Indian health programs to serve primarily Indian people. While Indian programs can serve non-Indians, they are allowed to serve only Indians without being considered in violation of nondiscrimination laws. Non-discrimination clauses in grants that do not recognize these federal laws could require tribes to serve all people in a county regardless of Indian status even though the role of the tribe is to serve tribal members and those who come to its clinic. By asking tribes to serve a broader population, such a requirement would make it virtually impossible for tribes to compete with other entities. On the flip side, a non-tribal entity ACA Policy Subcommittee Meeting – January 10, 2013 – Page 6 would not be able to serve the Indian population as well as the tribe could. Allowing tribes to define their service group as tribal members or users of tribal services enables them to target their resources toward what they do best and meet the needs of their communities. Mr. Tibbits replied that CCIIO expects the navigators to define their own communities, target populations, and geographic areas. This would enable a tribal entity to define its target population as a tribe. However, this would not allow navigators to refuse to serve individuals who seek their help but do not belong to the target population. All navigators need to have an open door policy for individuals who come to them for assistance. Dr. Dixon asked whether navigators could refer individuals to other navigators that might be better able to serve their particular needs. Mr. Tibbits replied that details such as this still need to be worked out. CCIIO realizes that there will be circumstances in which it will be difficult for a particular navigator to serve a specific individual. In these cases, referral might be a possibility. In all cases, there must be a good faith effort to assist all consumers who seek help. Mr. Roberts asked what financial/administrative vehicle will be used to award the navigator funds (e.g., an application process in which applicants are evaluated and ranked). Mr. Tibbits anticipated that the grants would be made using the traditional federal grant award process. Ms. Whelan added that the grant announcement would include specific evaluation factors. Mr. Roberts explained that past experience shows that tribes are often unable to meet the service area size requirements (e.g., number of individuals served) of grants for these types of services. Also, the review panels are often unfamiliar with the Indian health care delivery system and the unique character of Indian reservations. The Tribal Employment Rights Organizations (TERO) were established to create job opportunities in Indian Country. They work to ensure that tribal employment rights are recognized in local, state, and federal contracting mechanisms. For example, a contractor building a highway through a reservation must employ five percent of its workforce from the reservation or pay a compliance fee to the tribe for not meeting the threshold. In some cases, usage taxes must be paid to the tribe or TERO. With regard to the grants, he pointed out that there might be TERO compliance issues. He hoped that the Subcommittee would have the opportunity to work with CCIIO on the grant scoring criteria and review process. Mr. Tibbits thanked Mr. Roberts for his comments about issues unique to Indian Country. With regard to the number of people served, he acknowledged that many grants do include this as a scoring factor. CCIIO understands that there are a number of states that are not densely populated, either in the state as a whole or specifically on a reservation. There are people in these areas who are eligible for public programs and deserve just as ACA Policy Subcommittee Meeting – January 10, 2013 – Page 7 much assistance as those in more densely populated areas. A population-based scoring model is not the only one available and might not be the best model for this particular grant. The navigator program is designed to help specific communities, including those that have traditionally been underrepresented in health insurance and health coverage. He stressed that CCIIO would not use an evaluation scheme that systematically excludes these types of communities. The intent of the statute is to create a program that is responsive to specific community needs; therefore, CCIIO will strive to employ reviewers who are very familiar with the needs of specific communities. Dr. Dixon noted that there has been some confusion among tribal advocates concerning the difference between the navigator program and the in-person assister program. She asked Ms. Whelan to confirm that the navigator program will be a grant program and the in-person assister program will be a contract program. Ms. Whelan replied that the navigator program is a grant program for the state-based exchanges, consumer partnership exchanges, and FFE. The grant applicants must provide a budget that includes all of the activities it will undertake. The budget could include salaries, travel, and equipment. Under the in-person assister program, the statebased and consumer partnership exchanges have the flexibility to create their own programs. These programs could take the form of contracts, grants, or direct hires. CCIIO has not yet made the policy decision concerning the form the in-person assister program will take under the FFE. Ms. Whelan did not think that funding for navigators or in-person assisters would be provided on a per-enrollee basis, as the goal is to encourage outreach activities, not just enrollment. Ms. Alida Montiel, Health Systems Analyst, Inter Tribal Council of Arizona, asked whether there would be training on the unique aspects of the Indian health care system and the cost-sharing protections and provisions specific to AI/ANs. She also asked whether grantees would be responsible for arranging training for navigators. Mr. Tibbits indicated that CMS would develop the training for the FFE. He anticipated that the training and certification program would be rigorous. The statute includes specific provisions that navigators need to be aware of, including those identified by Ms. Montiel. The training will ensure that navigators are able to respond to the needs of the people they are serving. In-person assisters will also have to complete a training program; however, the requirements for their training are not spelled out in the final rule. Ms. Montiel stated that Arizona created a proposal for planning that included the development of a training curriculum for navigators when it was planning to establish a state-based exchange. Now that the state is planning to use the FFE, she indicated that the whole work plan needs to be adjusted. Mr. Tibbits indicated that CCIIO would be happy to review the plan and consider it for use in the FFE training. ACA Policy Subcommittee Meeting – January 10, 2013 – Page 8 Mr. McDonough asked whether CCIIO will issue guidance concerning the relationship of navigator funding and services to Medicaid Administrative Match (MAM) funding and services and how the two might interact. Mr. Tibbits stated that this question has come up frequently, especially with regard to Medicaid. CCIIO is working on obtaining answers to these types of questions. Ms. Cyndi Gillaspie, Lead Native American Contact, CMS, offered to help engage Center for Medicaid and CHIP Services (CMCS) staff in the conversation with CCIIO concerning navigator and MAM funding. Guidance for MAM would have to be issued by CMCS. Mr. Tibbits pointed out that language in the rule permits navigators to be funded through Medicaid funds. CCIIO’s expectation is that navigators will help anybody who seeks assistance, especially with regard to the single, streamlined application that will be used for both Medicaid and the exchanges. Ms. Gillaspie will help engage CMCS staff in the discussion of navigators and MAM funding with CCIIO. Ms. Myra Munson, TTAG Technical Advisor, Sonosky, Chambers, Sachse, Miller & Munson, LLP, expressed her hope that CCIIO would consider permitting the use of navigator funds to enable states to expand their work with tribal programs through MAM outreach and enrollment activities. Many states continue to have a hostile relationship with tribes. She was concerned that there would be a very small chance that tribes and tribal health programs in these states would ultimately receive navigator funds if states are not encouraged to fund tribes. She was also concerned that a generic approach to distribution of navigator funds would result in little meaningful participation of tribes and tribal programs in the navigator programs. As a result, a population that already experiences significant barriers to Medicaid participation will now also experience similar barriers to obtaining information about and enrolling in the exchanges. This is an issue that should be discussed in more detail. Next Steps Noting that the call had already exceeded its one-hour limit, Mr. Roberts asked Mr. Nakahata how CMS would like to proceed on these issues moving forward. Mr. Nakahata suggested that he work with Ms. Marx and Mr. Roberts to coordinate future calls and activities. He suggested meeting regularly once or twice a month. Schedule Next Call The Subcommittee did not schedule the next conference call. Adjourn With no other business to address, the Subcommittee adjourned. Mr. Nakahata, Ms. Marx, and Mr. Roberts will coordinate future discussions of high-priority issues and schedule regular Subcommittee calls. ACA Policy Subcommittee Meeting – January 10, 2013 – Page 9 Attachment A: Agenda ACA Policy Subcommittee Meeting – January 10, 2013 – Page 10 TTAG ACA Policy Subcommittee Conference Call Thursday, January 10, 2013 4:00 – 5:00 PM (EST) Call in number: 877-267-1577 Meeting ID: 9295 AGENDA: Tribal provider cost sharing FFE Tribal sponsorship/aggregate payments IHS RPMS system in FFE and state exchanges Verification process for single application Script & training for call center FFE Navigators and assisters ACA Policy Subcommittee Meeting – January 10, 2013 – Page 11 Attachment B: ACA Subcommittee Tribal Priorities Matrix ACA Policy Subcommittee Meeting – January 10, 2013 – Page 12 ACA SUBCOMMITTEE TRIBAL PRIORITIES ONGOING Issue: ITU addendum Issue: CostSharing Reductions for Indians Background Next Step/Plan Timeframe/Target Dates CMS is waiting for comments from the tribes which are due on December 19, 2012. With input from the ACA subcommittee, CMS drafted a model QHP ITU Addendum to facilitate the inclusion of Indian health care providers in the QHP provider networks. By offering contracts with provisions outlined in the Addendum, QHP issuers will be able to contract more efficiently with Indian health care providers. The QHP ITU Addendum went out to the Tribes with a Dear Tribal Leader Letter on November 19, 2012. Comments are due on December 19, 2012. Background CMS TAG held an All Tribes’ Call to discuss the QHP ITU Addendum on December 7, 2012. Next Step/Plan CMS will then distribute QHP ITU addendum to issuers. Timeframe/Target Dates Next Step/Plan Timeframe/Target Dates Several issues were raised on the December 11th and 14th All Tribes Calls regarding the proposed rules on cost-sharing that need further clarification, such as “HHS reimbursing for copayments that were not contained in the regulation.” Issue: Tribal Sponsorship (Aggregation of Premium payments) Background Tribal sponsorship enables Indian tribes, tribal organizations, and urban Indian organizations to pay premiums on behalf of AI/ANs. Sponsorship mechanisms have proven to be effective at increasing the enrollment of ethnic and racial minorities, particularly AI/ANs, in comprehensive health insurance coverage. ACA Policy Subcommittee Meeting – January 10, 2013 – Page 13 Issue: Use of the IHS active user database in the application process Issue: Verification of Indian status for the single streamlined application Issue: Scripts and training Background Next Step/Plan Timeframe/Target Dates The establishment of a near real-time application and eligibility verification process for all CMS-related coverage would address, in a sequenced way, the special benefits available for individual AI/ANs under the Children’s Health Insurance Program, the Medicaid Program, and the Exchanges. Use of the IHS active user database would also necessitate that the application process request applicants’ Indian status under specific definitions taken from the ACA. Background Next Step/Plan Timeframe/Target Dates The statutory ambiguity created by the ACA’s use of three different statutory references for the definition of “Indian” is amplified by the single streamlined application for the Exchanges and Medicaid Expansion. It will be difficult for the parties responsible for implementing the ACA to determine eligibility for Indian-specific protections and benefits, resulting in many individuals being treated as “Indians” for Medicaid cost-sharing exemptions, but not for the Exchanges cost-sharing protections. Background Next Step/Plan Timeframe/Target Dates ACA Policy Subcommittee Meeting – January 10, 2013 – Page 14 for call center staff Issue: The navigator and in-person assistor requirements This issue addresses whether there should be an Indian desk at the call center to handle questions and resolve problems regarding AI/ANs and I/T/Us or whether everyone who works at a call center should receive training about tribes in the State, the I/T/U system and special provisions, regulations and systems for AI/ANs. Background Next Step/Plan Timeframe/Target Dates Next Step/Plan Timeframe/Target Dates This issue addresses whether there will be carve outs for navigator contracts for the I/T/Us and other enrollment assistance funding, like Medicaid Administrative Match (MAM). Issue: State/Tribal consultation Background Secretary Sebellius sent a letter to all State Governors on Sept. 14, 2011, addressing the responsibility of States to consult with Tribes in the development of Health Insurance Exchanges. To complete the Exchange application, the Exchange, in consultation with Federallyrecognized Tribes, must have developed and implemented a Tribal consultation policy or process, which has been submitted to HHS and the Exchange must have an outreach plan for populations including Federally-recognized Tribal communities. As part of a State’s Approval or Conditional Approval decision, States should post its ACA Policy Subcommittee Meeting – January 10, 2013 – Page 15 Tribal-consultation plan (excluding test data) of a State’s Exchange Application on the appropriate State website within ten (10) business days of an Approval or Conditional Approval decision. ACA Policy Subcommittee Meeting – January 10, 2013 – Page 16