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March 14, 2014
Issues: ird.outreach@ct.gov
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Welcome – Nancy Moradian
HIX/ConneCT – True E Harmony
It’s not magic; it’s MAGI
Individual Responsibility Payments – I Fought
the Law & the Law Won
Not That You Have Issues, But… New Issue
Resolution Process Overview
Q&A
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Be Prepared:
• Integrates ConneCT and HIX sytstems’
security designs so the same login can be
used to access both applications
• Scheduled for March 19
• This is the expected outcome
Review in advance of the release date to be ready for
consumer questions and to help minimize input and
procedural errors.
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Objectives:
• Demonstrate how to create a single sign-on account
• Review the steps consumers will follow to navigate
between the HIX and ConneCT systems
• Recognize when a single sign-on account is not
possible
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th
On March 19 , consumers will be able to enroll on the
Access Health CT website for Health Care Coverage,
then navigate to ConneCT to apply for additional
services (or vice-versa).
This access gives consumers the convenience of
quickly applying for health coverage and/or DSS
programs with a single log on.
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The 2 scenarios below will work with new single sign-on:
If a client currently has a user
ID and password on ConneCT
(but not on AHCT)
The same user ID and password will be
used on AHCT. On 3/19/14 both
systems will interface. Users can access
either system with a single sign on.
If a client currently has a user
ID & password on AHCT (but
not on ConneCT)
The same user ID and password will be
used on ConneCT. On 3/19/14 both
systems will interface. User can access
either system with a single sign on.
The scenario below will not link the Connect & Access Health single sign-on.
If a client has both a user ID
and password on ConneCT and
a User ID and Password on
AHCT
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The user will need to continue to use
each user ID and password separately
for each system. The data will not be
connected.
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A consumer with a ConneCT User ID and password can take the following steps to apply for
health coverage on the Access Health CT Consumer Portal:
Step 1:
• Navigate to the ConneCT homepage and click [Access Now] under the My Account
section (If client already has an account on ConneCT)
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Step 2:
• Enter User ID then click [Submit].
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Step 3:
• If forced to reset password, enter User ID and Password, then click [LOGIN].
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Step 4:
• Enter Old Password, enter New Password, Re-type New Password, then click [Submit].
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Step 5a:
• Some consumers have existing EMS (Eligibility Management System) accounts. To associate
the case, enter Last Four (4) of SSN, enter client ID, enter Four-Digit Birth Year, then click
[ASSOCIATE CASE].
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Step 5b:
• If a consumer has not applied for services in the past, they can start a new ConnectCT
application by clicking [Apply].
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Step 6:
• To apply for health coverage with Access Health CT, the consumer must select the checkbox
to indicate that they would like to apply for Medical Benefits/ Health Care coverage.
Selected
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Step 7:
• When prompted, the consumer must indicate No for the question “Is everyone in your
household above 64 years of age or on Medicare?”, then click [Next].
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Step 8:
• To apply for Health Care Coverage
through Access Health, the consumer
must click [Go to Access Health].
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Step 9:
• After being directed to the Access Health
CT Homepage, the consumer must click
[Start New Application].
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Step 10:
• To pre-populate an Access Health CT
application, the consumer must click
[Yes].
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Step 11:
• After navigating through the application, the
consumer must click [Confirm] on the
final Confirmation page.
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Step 12:
• If the consumer wishes to shop for Adult
Dental they may click [Shop for Adult Dental
Coverage]. Otherwise, they must click [Next].
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Step 13:
• To return to the ConneCT website and apply
for additional services, the consumer must click
[Proceed to ConneCT].
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Step 14:
• The consumer must click [Next] on the exit
disclaimer module.
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Step 15:
• The consumer will return to the ConneCT
website where they can now view a
summary of the Access Health CT
application & apply for additional services.
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A consumer with an Access Health CT User ID and password may complete an application and
then use the following steps to apply for other DSS programs on ConneCT
Step 1:
• Click Sign In
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Step 2:
• Input AHCT User ID and Password to enter account
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Step 3:
• Select Start New Application under Quick Links and complete the application process
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Step 4:
• When the application process is finished, this screen displays to accommodate the single
sign on process. Select CLICK HERE to review the programs available through ConneCT or
directly go to the website by selecting Proceed to ConneCT
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Step 5:
• A pop-up confirmation screen will request verification that the user wants to leave the
AHCT website. Click Next.
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Step 6:
• You are now in the ConneCT system. Complete the three required data fields: Last four
numbers of the Social Security #, Social Services Client ID , and Birth Year. Once completed,
select ASSOCIATE CASE
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Step 7:
• AHCT account is now linked to ConneCT and you can apply for services through DSS.
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There is currently no way today to link currently established
accounts in either Access Health CT or ConneCT to each other
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If a client has a user ID and password on ConneCT as well as a
User ID and Password on AHCT then the user will need to
continue to use each user ID and password separately for
each system. The data will not be connected.
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Issue:
• If a consumer completed an initial application with
the Call Center and now is connecting to AHCT
website, rather than clicking Start an application,
the consumer needs to click “Complete an Existing
application. “
Resolution:
• The following steps will link an application to their
user ID & password
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Note:
• Consumer will need their application number
• The information entered into the website through
these steps must be entered EXACTLY as it was
entered into the worker portal by the Call Center
Representative (i.e., Rd versus Road, Jane Smith
versus Jane W. Smith, etc.)
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Step 1:
• Consumer selects Add Existing Application under the Quick Links Section.
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Step 2:
• Consumer enters First Name, Last Name, Date of Birth, SSN, Address, City, State, Zip Code, and
Application ID, EXACTLY (Including spelling, upper case, lower case, punctuation,
abbreviations) the same way as it was entered by the call center then clicks [Submit].
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Issues:
• Ongoing confusion as to what MAGI is
• Requests for “one place” to find how to
determine MAGI
• Determining when MAGI plays a role in
determining eligibility
• Incorrect input creates incorrect outcomes
and creates delays in consumer experience
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Objectives:
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Define what MAGI is and how to accurately input MAGI income to reduce
system errors when applying for Medicaid
Identify the line items on IRS tax forms which are used to report MAGI income
Outline what must be counted in MAGI income and what can be excluded
Describe how an applicant’s responses to the “Current Monthly Income”
question and the “2014 Income” question are used to calculate an applicant’s
eligibility for MAGI or APTC
Review the scope of MAGI-based programs using the Federal Poverty Level
(CHIP, pregnant women)
Reinforce the importance of inputting MAGI income in Anonymous Browsing
to obtain accurate results
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What is it?
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Modified adjusted gross income (MAGI) is the
income you get after you figure your gross
income (all of your income) less any
adjustments plus any modifications.
IRS 1040 Line 37 with some additions that are
usually not taxable income
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How to Use:
• All determinations for APTC, CSR and Medicaid will all use only
MAGI income
Note:
Some people still face Medicaid asset test and former Medicaid
eligibility rules:
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Individuals who are eligible for Husky through another programs including
SSI, Adoption Assistance, and foster youth;
Individuals who are 65 years of age or older;
Those who are eligible for Social Security Disability Income;
Medically needy individuals;
Those in a Medicare savings program; and,
People with a disability.
Whenever you see HOUSEHOLD INCOME -- Asking for HOUSEHOLD MAGI
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Use of applicant’s responses to 2014 & Monthly Income queries:
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Current monthly income ($) is the true Medicaid determining factor.
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First the Access Health CT website looks at the current monthly income. If
the current monthly income is not within the Medicaid FPL level for that
applicant ‘s age, income and tax status, then that applicant fails Medicaid
and is not eligible for Medicaid.
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The Access Health CT website no longer asks the question about 2012 or
2013 income.
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Then the system looks at the estimated annual 2014 income and tax filing
status to determine if the applicant is eligible for a QHP/APTC.
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The 2014 Income question is used to determine QHP/APTC’s.
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Using MAGI on Income screens:
The figure that must be used for a consumer’s income
can be found in the following locations:
• Line 4 of the 1040 EZ
• Line 21 of the 1040A
• Line 37 of the 1040
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A Mini-case Study:
Peter Piper, age 50, recently divorced, single, no kids, Hartford County resident :
His finances
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Income = $50,000
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Pays Alimony = $5,500
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Student loan interest = $2,000
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Minority Partner in small business = $7,000
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Municipal bond interest = $2000
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IRA contribution = $5000
What items should be included in 2014 income?
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Income $50,000
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Income from minority partner in small business
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Municipal bond interest
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What items should be excluded from 2014 Income?
Alimony paid
Student loan interest
IRA contribution
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Scope of MAGI Programs by Federal Poverty Level
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(AKA “Penalties”)
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Be Prepared:
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• With the March 31 open enrollment deadline
just two weeks away, some consumers may still be
weighing the cost/benefit of enrolling for health
care coverage.
• You may be asked to help explain the costs of not
enrolling.
Note: You are not a tax consultant. This information is
for descriptive purposes only – not to provide advice.
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Objectives:
• Draw upon the prescribed guidelines to review how
an IRP is calculated
• Use the guidelines to tabulate the IRP (penalty) for
individuals and families
• Describe what happens if a consumer does not
enroll in health coverage by the end of the
enrollment period
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The tax penalty for not having coverage is based on the total
gross income of all individuals in the household.
The penalty in 2014 is calculated one of 2 ways. You’ll pay
whichever of these amounts is higher:
• 1% of your yearly household income above the filing threshold
($20,000 for Married, $10,000 for Single)
• $95 per person for the year ($47.50 per child under 18).
Mini-case Study:
A consumer with no spouse or dependents that has a total gross
household income of $100,000 in 2014 would receive a tax penalty for
the year of $900 [(100,000-10,000) x 1% = 900], not $95.
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Individual Responsibility Payment Guidelines
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If a consumer is uninsured for just part of the year,
then only 1/12 of the yearly penalty applies for each
month uninsured
If uninsured for less than 3 months, then no IRP is due
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Future IRP Rates:
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In 2015 the IRP is 2% of income or $325 per adult
($162.50 per child under 18) – whichever is greater
In 2016 it’s 2.5% of income or $695 per adult ($347.50
per child under 18) – whichever is greater
After 2016 it is adjusted for inflation
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Mini-case Study:
A household of 4 does not enroll in a health plan for the entire
year:
• 2 married parents (file jointly)
• 2 children
• Annual Household Income of $80,000
• 1% or static penalty
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Improvement:
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Streamlining and standardizing the submission of
“JIRA Tickets” through the introduction of one
collection point and a single required form to minimize
repeats of the same issue and to more effectively
triage cases.
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Send all problem cases to the Problem
Resolution Department via this email:
ird.outreach@ct.gov
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Questions/Topics for Webinars:
NIPA.support@CT.gov
Issues:
ird.outreach@ct.gov
Past Webinars:
http://ahctcommunity.org/
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