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by Administrator on 10/28/2013 10:55
Post 한울과 함께 하는 오바마케어 Q&A (3)

http://www.koreadaily.com/news/read.asp?art_id=2073312

건강보험거래소(Marketplace)는 오바마케어 시행과 함께 보험을 판매하는 웹사이트로 일리노이 주에서는 겟커버드일리노이(Get Covered Illinois)로 불린다. 총 6개의 보험회사(Blue Cross & Blue Shield, Humana, Atena, Land of Lincoln, Coventry Health Care, Carle Foundation)가 100여 가지 이상의 상품을 판매한다. 10가지 필수건강 서비스(Essential Health Benefit, EHB)가 포함되어 있다. 거래소를 통해 보험을 구입하기 위한 조건으로는 미국에 합법적으로 거주하는 자여야 하며 연소득이 2013년 연방정부빈곤선의 100-400% 에 해당해야 한다.

◇400% 이하 연방정부빈곤선(Federal Poverty Level·FPL)

가족원수 1명 2명 3명 4명 5명
연간소득(Gross) $45,960 $62,040 $78,120 $94,200 $110,280


문의 및 참고=한울종합복지관 홈페이지(www.hanulusa.org) 커뮤니티 게시판, 전화=773-478-8851, 847-439-5195.


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by Administrator on 10/25/2013 10:04
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Last Edit on 10/25/2013 10:05 by Administrator


by Administrator on 10/24/2013 09:03
Post SNAP 영양보충프로그램 신청 한울에서 도와드립니다!

http://www.hanulusa.org/images/SNAP.pdf
자녀와 우리가족의 건강을 위해 음식 보조 서비스가 필요하시나요?
오늘 신청하세요!
한울종합복지관 에서 도와드립니다!


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Last Edit on 10/24/2013 10:02 by Administrator


by Administrator on 10/15/2013 15:14
Post 한울과 함께 하는 오바마케어 Q&A

http://m.koreadaily.com/news/read.asp?art_id=2041830&referer=http%3A%2F%2Fwww%2Ekoreadaily%2Ecom%2Findex%2Ehtml%3Fbranch%3DCH

한울과 함께 하는 오바마케어 Q&A

2014년 1월 1일부터 오바마케어가 실시됨에 따라 일리노이에서는 성인 메디케이드(Medicaid Expansion)가 시작된다. 이는 기존 저소득층을 위한 정부 무료 의료보험인 메디케이드 수혜 범위가 노인과 장애인에서 19~64세의 성인까지 확대된 것을 말한다.

자격 대상은 영주권 취득 후 5년 이상 또는 시민권자로서 연방정부빈곤선(FPL)의 138% 미만에 해당된다. 이는 2013년 기준 1인가구 $15,856 , 2인가구 $21,404 , 3인가구 $26,951, 4인 가구 $32,499 , 5인가구 $38,047 안에 속하는 소득이다. 기존의 메디케이드, 올키즈, 패밀리케어, 맘즈앤 베이비, 카운티케어 를 가지고 있다면 새롭게 가입할 필요 없이 기존 보험을 유지하면 된다.

주의할 점은 각 주 별로 성인 메디케이드 실시 여부가 다르다는 것이다. 9월 16일 기준으로 일리노이를 포함 26개의 주는 메디케이드 확장을 실시하고 있으며 3개 주는 논의 중이다. 보다 자세한 사항은 한울종합복지관 홈페이지(hanulusa.org)의 커뮤니티 게시판을 참조하면 된다. 문의=773-478-8851, 847-439-5195.


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Last Edit on 11/16/2013 16:31 by Administrator


by Administrator on 10/10/2013 13:06
Post 한울과 함께 하는 오바마케어 Q&A

http://m.koreadaily.com/news/read.asp?art_id=2024579&referer=http%3A%2F%2Fwww%2Ekoreadaily%2Ecom%2Findex%2Ehtml%3Fbranch%3DCH

국내 보험업계에 큰 변화를 가져올 오바마케어가 1일부터 가입을 시작했다. 이제 모든 국민들이 건강보험에 가입해야 하는 법안이 시행되지만 실제 세부사항에 대해서는 아직도 잘 알려지지 않는 것이 사실이다. 이에 한울종합복지관과 함께 오바마 케어에 대한 궁금한 사항을 질의·응답식으로 매주 정리한다. 한울종합복지관은 오바마케어에 대한 정보를 알리고 가입 서비스를 대행할 수 있는 정부 인가를 받았다.



1.오바마 케어란 무엇인가?
2010년 입법화된 오바마케어는 새롭게 마련된 의료제도 개혁법으로 공식 명칭은 ‘Patient Protection and Affordable Care Acts’이다. 주요 배경은 건강보험 가입 장벽을 낮추고 보험 시장에서 보험회사와 병원의 이익이 우선시되는 부작용을 개선하기 위함이다.
오바마케어는 크게 네 가지의 주요 개정안을 골자로 하고 있다.

첫째, 건강보험의 의무화다. 2014년 1월 1일부터 무보험자는 반드시 건강보험에 가입해야 한다.

둘째, 새로운 성인 메디케이드 및 건강보험거래소의 신설이다. 기존의 메디케이드 자격조건에 부합하지 않았던 19~64세의 저소득 성인 중 영주권 취득 5년 이상 혹은 시민권자라면 수혜가 가능하다. 메디케이드 자격이 안될 시에는 ‘Get Covered Illinois’라고 불리우는 온라인 보험거래소를 통해 보험 구입이 가능하다.

셋째, 소비자 권리 강화다. 기존에 질병이 있는 사람도 보험을 가입할 수 있게 되었으며 보험료 측정의 기준으로 나이, 거주지역, 가족 수, 흡연 여부만이 활용된다. 또한 보험 회사는 연간 보장액과 평생 보장액의 한도를 일부 철폐 해야 하며, 판매하는 플랜에 반드시 무료 예방검진 서비스를 포함해야 한다.

마지막으로 보험구입 비용의 절감이다. 월보험료 및 개인 의료지출비용에 대한 정부보조가 제공된다. <문의 및 안내=773-478-8851, 847-439-5195>


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by Administrator on 10/10/2013 13:01
Post 한울, 미국경제 수업 진행

한울종합복지관이 ‘미국 경제수업’을 진행 중이다. 첫 수업이 열린 4일 이후 매주 금요일에 마련되는 이번 수업은 한인들을 대상으로 한국과는 다른 미국의 경제 시스템에 대해 소개한다. 첫날 사회보장연금과 의료보험제도를 소개했고 이후 손헌수 회계사·변호사와 박상화 종합보험, 문유란 건강코디네이터, BBCN은행 관계자가 차례로 강의한다. 사진은 4일 첫 수업의 모습. 문의=847-439-5195. [사진=한울 제공]

http://m.koreadaily.com/news/read.asp?art_id=2027895&referer=http%3A%2F%2Fwww%2Ekoreadaily%2Ecom%2Findex%2Ehtml%3Fbranch%3DCH


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Last Edit on 10/10/2013 13:01 by Administrator


by Administrator on 09/19/2013 13:36
Post Despite delays, Obamacare ‘navigators’ anxious to hit the streets

http://www.suntimes.com/m/22482531-773/despite-delays-obamacare-navigators-anxious-to-hit-the-streets.html


Some of the organizations that received federal funding to recruit navigators or in-person counselors — those charged with helping others understand the Affordable Care Act — admit they’re still waiting to hire them.

Two weeks before a key launch date for the nation’s health care law, other agencies say they’re still waiting to get more information before they start sending their navigators out to the public.

Navigators and in-person counselors — who basically do the same thing — are important because they are the ones who will have direct contact with uninsured Illinois residents trying to make sense of the ACA as they choose a health plan.

The federal and state governments have insisted that many of the questions will get resolved in time for their Oct. 1 deadlines. That’s when Illinois and other states are supposed to start offering affordable plans on newly-created online marketplaces for people who lack health insurance, a key part of the Affordable Care Act — or, as it is informally known, Obamacare.

One of the unknowns is how much insurance plans on this new Illinois Health Insurance Marketplace will cost. In addition, neither the federal nor the state government has finished work on the complex websites most consumers are supposed to use to help them compare and buy health coverage.

The longer they wait, the less time that gives navigators to do their job, some experts have said.

Elizabeth Calhoun, who is leading the training effort in Illinois, downplayed that criticism. A professor of health policy and administration at UIC School of Public Policy, Calhoun pointed out, “Oct. 1 is not really the hard line. It’s really a soft launch.”

Graciela Guzman, 24, who was hired to be an in-person counselor by PrimeCare Community Health, added that even without all of the specifics, the training makes her feel confident about “who our populations will be and what questions they may have.”

“So we’re gonna be experts on one thing,” Guzman said. “We’ll eventually become experts on [the rest]. That doesn’t scare me yet.”

Carolyn McDaniel, 62, of Park Manor, put it even simpler: “I’m ready to go.”

Illinois residents have until March 31, 2014 to enroll in a health insurance plan, to get coverage that could begin as early as Jan. 1.

After that, a person can only obtain the new private health insurance for 2014 through a special enrollment period and if they have a qualifying life event, such as job loss, birth, or divorce.

Illinois estimates that 500,000 people will get coverage through Illinois Health Insurance Marketplace in the first year and up to 1 million by 2016. Another 600,000 Illinois residents will be newly eligible for Medicaid, the state-federal health program for the poor, starting Oct. 1.

But that can only happen if people know that these options exist.

Though the law has been around since 2010, many Americans have said they still don’t understand what’s in it. And only a third of the uninsured Americans – the target group – said they had sought out information about Obamacare, Kaiser Family Foundation reported in August.

To help get the word out, the Department of Health and Human Services has awarded $6.2 million in grant money to Illinois community health centers to hire 132 navigators. HHS has given $150 million nationwide this purpose. Gov. Quinn gave another $27 million in federal funds to 44 community organizations to help them do outreach.

Navigators must have one day of online training and two days of in-depth training in person, where they cover such things as patient confidentiality and who would qualify for the marketplace and Medicaid, Calhoun said.

So far, 15 trainings have taken place throughout the state and about a dozen more are planned, possibly including a few after Oct. 1.

Navigators will be sent to community events, health clinics and wherever else the uninsured are likely to be with laptops to help people sign up for insurance online.

In the meantime, volunteers for Enroll America, Planned Parenthood of Illinois and a few others aren’t waiting to get the word out. An event in Roseland last weekend was part of a larger push to start educating the public in Illinois and nine other states.

Many faith-based organizations, too, have started helping to make sure their uninsured members know about the new benefits. The idea is to capitalize on the trust people tend to have in their priest, rabbi or imam — and leave out the politics.

“There’s a lot of misinformation out there, and people need to … hear it from their trusted leaders,” said Laura Leon, director of faith initiatives for the Campaign for Better Health Care. Leon estimated her organization had reached out to about 1,500 faith-based organizations in Illinois.

Among those is Garrett-Evangelical Theological Seminary, which was seeking to get 300 to 400 clergy members in Illinois at its events so they would be able to educate their congregants.

The goal, Enroll America’s National Regional Director Saumya Narechania and others have said, is to bombard the public with the same message in a number of different ways, so it sinks in.

“This isn’t all gonna happen today. It’s not all gonna happen the next month. It’s not even gonna happen within the first enrollment period,” Narechania said. “But we’re going to make sure we keep the press on and we’re going to make sure we get to these folks through multiple touches.”

Email: mjthomas@suntimes.com


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by Administrator on 09/19/2013 13:35
Post Enrollment in Affordable Care Act insurance programs begins Oct. 1

http://abclocal.go.com/story?section=news/local&id=9247644

September 13, 2013 -- Over one million people in Illinois do not have health insurance. Starting October 1, those without insurance can begin enrolling in a plan available under the Affordable Care Act. Getting affordable insurance can't come soon enough for some.

A lay Christian minister makes challah for her friend's big meal before the Yom Yippur fast. Lisa Sinnott says she is happy to help. After all, she moved in to save money.

"I have no insurance, I have no job," said Sinnott.

Related Content
STORY: Affordable Care Act expands options for small businesses
With two masters degrees, she is in between jobs and trying to manage a chronic condition without health insurance.
"Just to get coverage was way too expensive. Way, way too expensive. So what I'm doing is paying out of pocket," said Sinnott.

But Sinnott hopes to find insurance when the Affordable Care Act plans start in January.

Hundreds of people are being trained as assisters. They will help the more than one million Illinoisans without insurance navigate the Affordable Care Act.

"We've all had to have car insurance and now we have to have health insurance," said Beth Calhoun, Illinois Assister Training Program.

Beth Calhoun is director of the state's assister training program. She says Affordable Care offer options and assistance to this without insurance.

"Purchasing on the marketplace, depending on your income because it's a sliding scale, the lower you are, the more help you get paying your premium," said Calhoun.

Graciela Guzman will be an Assister at Prime Care Community Health, where nearly a third of the patients are uninsured.

"I think about them, and what it will mean in terms of individual care. On that level as an outreach worker, I'm really excited to be hands on," said Guzman.

Those without insurance may be eligible for financial assistance with the premiums and the out-of-pocket amount.

If you or a loved one is without insurance, now is the time to start looking at options. You have to be signed up by December 15 in order to be covered in January.

Leah wants to know your questions and concerns about the Affordable Care Act. Please CLICK HERE to post your questions or comments.

Illinois-specific ACA information:
Affordable Care Act information for Illinois

General information about the Affordable Care Act:
healthcare.gov

Great resource for small businesses and the ACA:
healthcoverageguide.org
ACA health insurance marketplace:
http://marketplace.cms.gov/getofficialresources/multimedia/multimedia.html


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