NY State of Health The Official Health Plan Marketplace Regional Outreach Summit - Rochester September 23, 2013 Kyle Kotary Director, External Affairs, Outreach & Marketing 518-473-1703 krk02@health.state.ny.us 1 NY STATE OF HEALTH WILL OPEN ON OCTOBER 1ST 2 INDIVIDUALS AND FAMILIES WILL HAVE A CHOICE OF HIGH QUALITY, LOW COST PRIVATE HEALTH PLANS 3 4 5 Map of Health Plans by County 6 Health Plan Highlights • Choice of plans in all areas of the State • Increased competition gives consumers new health plan options • You will not be denied health insurance on the basis of a preexisting condition • Premiums for people who buy coverage for themselves and their families decreases by an average of 53% compared to today’s premiums • All plans are required to have adequate networks 7 Financial Assistance • Many individuals and families will be eligible for financial assistance to reduce the cost of coverage • Financial assistance is available in 2 forms: – Tax credits will reduce the cost of premiums for most single adults earning less than $45,960 and for families of 4 earning less than $94,200 – Cost-sharing reductions will lower co-payments and deductibles for single adults earning less than $28,725 and for families of 4 earning less than $58,875 • Tax credits and cost sharing reductions are estimated at the time of application and applied immediately 8 Website Resources 9 10 Financial Assistance and Premium Estimates for Silver Level Plans http://www.nystateofhealth.ny.gov/resource/tax-credit-and-premium-estimator Seneca Genesee County Monroe County County Adult earning $20,000 Adult earning $20,000 Adult earning $20,000 Tax credit: $241/month Tax credit: $185/month Tax credit: $230/month Premiums start at: $97/month Premiums start at: $85/month Premiums start at: $97/month *Exact rates will depend on the metal tier, health plan selected, and county. 11 Financial Assistance and Premium Estimates for Silver Level Plans http://www.nystateofhealth.ny.gov/resource/tax-credit-and-premium-estimator Seneca Genesee County Monroe County County Family of 4 earning $50,000 Family of 4 earning $50,000 Family of 4 earning $50,000 Tax credit: $372/month Tax credit: $261/month Tax credit: $350/month Parent premiums start at: $304/month Parent premiums start at: $281/month Parent premiums start at: $304/month CHP premiums for children: $18/month CHP premiums for children: $18/month CHP Premiums for children:$18/month *Exact rates will depend on the metal tier, health plan selected, and county. 12 SMALL BUSINESSES AND THEIR EMPLOYEES WILL ALSO HAVE A CHOICE OF HIGH QUALITY, LOW COST PRIVATE HEALTH PLANS 13 Small Business Marketplace: Value for Small Employers Choice • Employers and employees regard expanded choice as a key advantage to using the Marketplace. Administrative Simplicity • The Marketplace provides monthly billing to employers along with other administrative simplifications. Tax Credits • The Marketplace will be the exclusive place to access small business tax credits in 2014. Contribution Options • 76% of respondents believe this feature helps predict costs. 14 Overview: Employer Coverage and Contribution Options Employer Coverage Options 1) Select among QHPs offered by a specific carrier 2) Select specific QHPs offered by multiple carriers Employer Contribution Options 1) Uncapped percentage (e.g., employer pays 55% of premium) 2) Capped percentage (e.g., employer pays 55% of premium, up to $300) 3) Defined dollar amount (e.g., employer pays $300/month) 3) Select a metal tier of coverage 4) Allow employees to select any Exchange QHP 15 NEW YORKERS WILL HAVE HELP FINDING HIGH QUALITY, LOW COST PRIVATE HEALTH PLANS 16 3 Types of In-Person Assistors IPA/Navigators • Complete Applications • Compensation from DOH grant program • Training and certification required • Serve Individuals and Small Business Marketplace Insurance Brokers/Agents • Complete Applications • Commission-based compensation • Training and certification required • Choose to certify in Small Business Marketplace, Individual, or both Certified Application Counselors • Complete Applications • No compensation from Marketplace • Training and certification required 17 3 Types of In-Person Assistors • 50 Navigator organizations throughout the state 96 subcontractors for a total of 430 full-time staff Nearly 200 have already completed training Trained individuals who speak 48 different languages Site schedules will be publicly available • Insurance Brokers • More than 2,000 brokers have already completed continuing education for the Marketplace Certified Application Counselors Hospitals, healthcare providers, health plans, others 18 A FIRST CLASS CUSTOMER SERVICE CENTER WILL BE READY TO ANSWER QUESTIONS AND ENROLL PEOPLE 19 Customer Service Call Center 1-855-355-5777 • Call Center live on September 16th • Sept. 16-30: Call Center available to answer questions and provide guidance; not accepting applications. Hours: 8am5pm (M-F) • Starting Oct. 1: Enrollment opens; Call Center begins accepting applications. Hours: 8am-8pm (M-F); 9am-1pm (Sat) • Assistance available in over 170 languages – Many staff will be bilingual and oral interpretation available for remaining languages. 20 A STATEWIDE AWARENESS CAMPAIGN HAS BEGUN. A MULTI-MEDIA ADVERTISING CAMPAIGN WILL BEGIN IN THE UPCOMING MONTHS 21 Media • New name, logo and website unveiled • Social media includes Twitter, Facebook, YouTube and Google Plus • Creative campaign for TV, radio, print and “out-ofhome” in production • Public relations campaign under way 22 Available Web Resources • On our website (nystateofhealth.ny.gov) • Fact Sheets & Newsletter templates in English and Spanish • County-specific list of Navigator grantees • County-specific list of Health Plans • Tax Credit and Premium Estimator 23 24 Social Media 25 Website Stats • Unique Visitors – 116,000 through 8/13 – 232,696 through 9/9 (100.6% increase) • Individual Email Subscribers – 5,500 through 8/13 – 13,067 through 9/9 (138% increase) • Tax Credit & Premium Estimator: – 19,838 views in Aug. • Individuals & Families Info Page: – 53,805 views in Aug. 26 ADVERTISING: Reaching New Yorkers Through a Comprehensive Multi-Media Approach 27 Advertising Examples • Television: Major networks, cable, Spanish & other language stations, targeted programming • Search/Social: search engines & social media • Digital/Web: mobile apps, website banner ads on news sites, health sites, Spanish & other language sites • OOH/Outdoor: billboards, bus stops, subway stops, branded hand sanitizers, phone kiosks, coffee sleeves • Print: major daily papers, weeklies, business journals, ethnic papers • Radio: major market stations, news stations, targeted programming 28 Anticipated TV Reach & Frequency: High-Impact Coverage with Strong Frequency of Message Local TV - Reach & Frequency 4 Week MARKET Albany Binghamton Buffalo Elmira New York Rochester Syracuse Utica Watertown Reach 89 91 90 91 91 89 88 91 92 Frequency 11.3 11.0 11.2 10.9 11.0 11.2 11.3 11.0 10.9 8 Week Reach 93 94 93 93 94 93 92 93 95 Frequency 21.5 21.3 21.5 21.3 21.3 21.3 21.7 21.5 21.1 29 Marketing Materials for Oct 1 • PDF versions will be posted to website for print on-demand – Rack Cards • Individuals and Families and Small Business – Fact Sheets (8.5x11) • Small Business, Young Invincibles, Immigrants • Value of Having Health Insurance • Paying for Health Insurance is Easier – Posters (8.5x11 and 18x24) • Plain Language: Materials will use language that is easily understood • Materials translated into Spanish, Chinese, French, Haitian Creole, Italian, Korean and Russian 29 Using the nystateofhealth™ Logo • • • • Authorized partners may affix their logos to marketing materials that are developed by the nystateofhealth™. Notification to NYSOH is required before use. Authorized partners must receive prior approval of co-branded marketing materials they develop prior to distribution. For questions about using the nystateofhealth™ logo and for review of your documents showing intended logo use prior to dissemination or publication, please contact: cobranding@health.state.ny.us Complete guidelines can be found at: NYStateOfHealth.ny.gov/news/ny-state-health-releases-brand-guidelines 31 How Can You Continue to Help? Examples of outreach partner activities: • Distribute materials at your events and your locations • Include information in your organization’s newsletters • Support online content (e.g. link to our website, like us on Facebook, follow us on Twitter and more) • Sponsor marketplace events in your community • Identify additional outreach partners and share information • Drive New Yorkers to the enrollment website, call center, or a certified Navigator or Broker. 32 Strategic Messaging The NY State of Health is an online marketplace offering New Yorkers a gateway to affordable healthcare. Comparing and finding the right plan for you and your family has never been easier. We’ve removed the hassle. You can choose from a certified group of health insurance plans, giving you the peace of mind that you are prepared for life’s events. 33 34 nystateofhealth.ny.gov 1-855-355-5777 35