WHAT DOES the Affordable Care Act Mean for Behavioral Health?

Total Page：16

File Type：pdf, Size：1020Kb

WHAT DOES THE Affordable Care Act Mean for Behavioral Health? Why Is Behavioral Health Important? Behavioral health is essential to health. Mental health and substance use issues affect everyone. ABOUT HALF MORE THAN HALF OF ALL AMERICANS OF ALL AMERICANS will meet criteria for mental illness know someone in recovery from at some point in their lives. a substance use problem. How Does the Affordable Care Act Help Someone With a Mental Health or Substance Use Disorder? Plans cannot turn you down. 1 You will not be charged more or denied coverage because you live with mental illness or a substance use disorder. Plans are not allowed to cancel your coverage when you get sick or use more services. Young adults can be covered under a parent’s 2 insurance plan until age 26. If a plan covers children, they can be added to or kept on a parent’s health insurance policy until they turn 26 years old, even if they are working or living independently. Plans cannot put lifetime limits on basic health and 3 behavioral health care. Plans can no longer apply yearly or lifetime dollar limits on coverage of essential health benefits, including benefits for mental health and substance use disorder services. Certain preventive services are covered at no cost. 4 Most health plans must now cover preventive services like depression screening for adults and behavioral health assessments for children at no cost. Plans must provide parity protections for behavioral 5 health services. In general, limits applied to mental health and substance abuse services can’t be more restrictive than limits applied to medical and surgical services. Thanks to the ACA, recovery is in reach for more Americans. Visit healthcare.gov to learn how to sign up for coverage through the Health Insurance Marketplace. For More Information Behavioral Health Health Insurance Marketplace Visit samhsa.gov Call 1-800-318-2596 To talk to an interpreter, call 1-800-318-2596 Visit mentalhealth.gov and say “Agent” or press “0”. Once an agent is on the line, say the name of the language you need. TTY users should call 1-855-889-4325. Visit healthcare.gov.

Copy Link

Recommended publications

The Kentucky Marketplace's Internal Controls Were Generally Effective In
Department of Health and Human Services OFFICE OF INSPECTOR GENERAL THE KENTUCKY MARKETPLACE’S INTERNAL CONTROLS WERE GENERALLY EFFECTIVE IN ENSURING THAT INDIVIDUALS WERE ENROLLED IN QUALIFIED HEALTH PLANS ACCORDING TO FEDERAL REQUIREMENTS Inquiries about this report may be addressed to the Office of Public Affairs at [email protected]. Daniel R. Levinson Inspector General October 2015 A-04-14-08036 Office of Inspector General http://oig.hhs.gov The mission of the Office of Inspector General (OIG), as mandated by Public Law 95-452, as amended, is to protect the integrity of the Department of Health and Human Services (HHS) programs, as well as the health and welfare of beneficiaries served by those programs. This statutory mission is carried out through a nationwide network of audits, investigations, and inspections conducted by the following operating components: Office of Audit Services The Office of Audit Services (OAS) provides auditing services for HHS, either by conducting audits with its own audit resources or by overseeing audit work done by others. Audits examine the performance of HHS programs and/or its grantees and contractors in carrying out their respective responsibilities and are intended to provide independent assessments of HHS programs and operations. These assessments help reduce waste, abuse, and mismanagement and promote economy and efficiency throughout HHS. Office of Evaluation and Inspections The Office of Evaluation and Inspections (OEI) conducts national evaluations to provide HHS, Congress, and the public with timely, useful, and reliable information on significant issues. These evaluations focus on preventing fraud, waste, or abuse and promoting economy, efficiency, and effectiveness of departmental programs.
[Show full text]
Summary of the Affordable Care Act
Summary of the Affordable Care Act This summary describes key provisions of the Affordable Care Act (ACA) related to private health insurance, Medicaid, and Medicare. A more detailed summary of the law is available at http://kff.org/health-reform/fact- sheet/summary-of-the-affordable-care-act/ Overall approach through which individuals and small businesses can compare plans, apply for financial assistance, purchase coverage. , based on income and cost of coverage, for individuals/families with income between 100-400% of the federal poverty level. , including requiring guaranteed issue of all non-group health plans during annual open enrollment and special enrollment periods; limiting rating variation to 4 factors: age (3 to 1 ratio), geographic rating area, family composition, and tobacco use (1.5 to 1 ratio); prohibiting pre-existing condition exclusion periods; prohibiting lifetime and annual limits on coverage; and extending dependent coverage to age 26. by all individual and small group health insurance and limit annual cost- sharing. to 138% of the federal poverty level at state option and require a single, streamlined application for tax credits, Medicaid, and CHIP. and increase the match rate by 23 percentage points up to 100%. hole and enhance coverage of preventive benefits in Medicare. by reducing payments for Medicare Advantage plans, hospitals, and other providers. and the Center for Medicare and Medicaid Innovation (CMMI). Individual Require U.S. citizens and legal residents to have qualifying health coverage. mandate Individuals without coverage pay a tax penalty of the greater of $695 per year, indexed by inflation, or 2.5% of household income.
[Show full text]
Getting Ready for Health Reform 2020: What Past Presidential Campaigns Can Teach Us
REPORT JUNE 2018 Getting Ready for Health Reform 2020: What Past Presidential Campaigns Can Teach Us Jeanne M. Lambrew Senior Fellow The Century Foundation ABSTRACT KEY TAKEAWAYS ISSUE: The candidates for the 2020 presidential election are likely to Campaign plans are used by emerge within a year, along with their campaign plans. Such plans will supporters and the press to hold presidents accountable. Though include, if not feature, health policy proposals, given this issue’s general voters are unlikely to believe that significance as well as the ongoing debate over the Affordable Care Act. politicians keep their promises, GOAL: To explain why campaign plans matter, review the health policy roughly two-thirds of campaign components of past presidential campaign platforms, and discuss the promises were kept by presidents likely 2020 campaign health reform plans. from 1968 through the Obama years. METHODS: Review of relevant reports, data, party platforms, and policy documents. Health policy will likely play FINDINGS AND CONCLUSIONS: Proposals related to health care have a significant role in the 2020 grown in scope in both parties’ presidential platforms over the past election, with Republicans focused on deregulation and century and affect both agendas and assessments of a president’s capped federal financing success. Continued controversy over the Affordable Care Act, potential and Democrats backing the reversals in gains in coverage and affordability, and voters’ concern Affordable Care Act and a suggest a central role for health policy in the 2020 election. Republicans Medicare-based public plan will most likely continue to advance devolution, deregulation, and option. capped federal financing, while Democrats will likely overlay their support of the Affordable Care Act with some type of Medicare-based public plan option.
[Show full text]
Publication 5187, Affordable Care
Affordable Care Act: PUBLICATION What You and Your 5187 Family Need to Know Tax Year 2020 Get forms and other information faster and easier at: IRS.gov (English) IRS.gov/Chinese (中文) IRS.gov/Russian (Pусский) IRS.gov/Spanish (Español) IRS.gov/Korean (한국어) IRS.gov/Vietnamese (TiếngViệt) Table of Contents Introduction . 3 Affordable Care Act Overview . 4 Individual Shared Responsibility Provision . .. 5 Premium Tax Credit and Advance Payments . 9 U .S . Citizens Living Abroad . 15 Summary . 16 Glossary . 17 2 AFFORDABALE CARE ACT: WHAT YOU AND YOUR FAMILY NEED TO KNOW Introduction This publication covers some of the tax provisions of the Affordable Care Act (ACA). It provides information about the individual shared responsibility and the premium tax credit. A glossary is included to help taxpayers understand some terms related to the health care law. What’s New? Under the Tax Cuts and Jobs Act, passed December 22, 2017, the amount of the individual shared responsibility payment is reduced to zero for months beginning after December 31, 2018. Beginning in tax year 2019 and beyond, Forms 1040 and 1040-SR will not have the “full-year health care coverage or exempt” box and Form 8965, Health Coverage Exemptions, will no longer be used. You need not make a shared responsibility payment or file Form 8965, Health Coverage Exemptions, with your tax return if you don’t have minimum essential coverage for part or all of the year. Reminder from the IRS: If you need health coverage, visit HealthCare.gov to learn about health insurance options that are available for you and your family, how to purchase health insurance, and how you might qualify to get financial assistance with the cost of insurance.
[Show full text]
Health Insurance Marketplace 101
Health Insurance Marketplace 101 Find health care options that meet your needs and fit your budget. January 2015 The Health Care Law . In March 2010, President Obama signed the Affordable Care Act into law generally requiring • Young adults up to 26 can stay on their parents’ plan • Additional drug coverage for people with Medicare • More preventive services with no cost- sharing • Lifetime limits removed from essential health benefits January 2015 Marketplace 101 2 What Changed on January 1, 2014? . Discrimination due to pre-existing conditions or gender is generally prohibited . Annual limits on insurance coverage of essential health benefits were eliminated for most plans . Advance payments of the premium tax credit are available . More people are eligible for Medicaid (in some states) . Coverage through the Health Insurance Marketplace began January 2015 Marketplace 101 3 What Is the Health Insurance Marketplace? • Part of the Affordable Care Act • Where qualified individuals and families directly compare private health insurance options – Known as qualified health plans (QHPs) – Can directly compare on the basis of price, benefits, quality, and other factors • Also known as Exchanges January 2015 Marketplace 101 4 The Marketplace… • It’s a way to shop for health coverage – An individual or family can explore every qualified health plan in their area – With one application you can learn all the programs for which you qualify • Most people receive help paying premiums – 90% of people who were uninsured will qualify for savings on health
[Show full text]
Subsidized Health Coverage Through Mnsure
INFORMATION BRIEF Research Department Minnesota House of Representatives 600 State Office Building St. Paul, MN 55155 Randall Chun, Legislative Analyst 651-296-8639 Updated: October 2018 Subsidized Health Coverage through MNsure MNsure, the state’s health insurance exchange, was established by the 2013 Legislature as part of implementation of the Affordable Care Act (ACA). Individuals who are not eligible for Medical Assistance (MA) or MinnesotaCare, with incomes that do not exceed specified guidelines, may be eligible for premium tax credits and cost-sharing reductions to purchase health coverage on a subsidized basis through MNsure. This information brief describes eligibility, covered services, enrollee premiums and cost-sharing, and other aspects of subsidized coverage available through MNsure. Contents Availability of Coverage through MNsure ...................................................... 2 Qualified Health Plan Coverage ...................................................................... 3 Subsidies for the Purchase of Qualified Health Plans ..................................... 5 Enrollment Statistics ...................................................................................... 11 Copies of this publication may be obtained by calling 651-296-6753. This document can be made available in alternative formats for people with disabilities by calling 651-296-6753 or the Minnesota State Relay Service at 711 or 1-800-627-3529 (TTY). Many House Research Department publications are also available on the Internet at: www.house.mn/hrd/. House Research Department Updated: October 2018 Subsidized Health Coverage through MNsure Page 2 Availability of Coverage through MNsure Establishment and Role of MNsure MNsure, the state’s health insurance exchange, was established by the 2013 Legislature as part of implementation of the federal Affordable Care Act (ACA). MNsure was established as a state board and is governed by a seven-member board of directors (see Minn.
[Show full text]
Mnsure 101: What Minnesota’S Hospitals and Health Systems Need to Know About the New Health Insurance Exchange
MNsure 101: What Minnesota’s hospitals and health systems need to know about the new health insurance exchange A primary goal of the Affordable Care Act is to help uninsured and eligible residents gain access to affordable health coverage. One of the key elements for increasing access to affordable health coverage is the creation of a health insurance exchange in each state. Through the state’s exchange, eligible residents can enroll in a health plan to get coverage that starts as soon as Jan. 1, 2014. MNsure is Minnesota’s health insurance exchange. Because Minnesota’s hospitals and health systems are a trusted source for health information, patients and community members may look to you for help understanding MNsure and the new options available to them. • Rehabilitative and habilitative services and Here are some key things you devices should know: • Laboratory and diagnostic testing • Preventive care, chronic disease • MNsure is a new way to shop for health coverage. management and wellness services It is a single, online source that lets consumers • Pediatric services, including oral and vision get information about their coverage options; care whether they are eligible for state public programs, like Medical Assistance or MinnesotaCare, or for • Individuals can buy insurance through MNsure if premium subsidies to make coverage even more they are Minnesota residents, are U.S. citizens or affordable; and how they can enroll in a health plan legal residents, and are not currently incarcerated. online through MNsure. • Depending on household income and family size, • Nobody can be turned away or charged more residents may qualify for Medical Assistance, because of his/her gender or medical history or MinnesotaCare or tax credits to help eliminate or pre-existing condition(s).
[Show full text]
How Would the Medicaid Expansion Affect Hawaii?
How Would the Medicaid Expansion Affect Hawaii? Who is eligible for Medicaid today in Hawaii? Medicaid eligibility today varies greatly from state to state. In many states, parents cannot get coverage unless their incomes are very low and many adults without dependent children cannot get coverage at all. In Hawaii, the income eligibility thresholds for Medicaid for the different categories of eligibility are as follows: Current Medicaid Eligibility Levels for Select Groups (as % of poverty line) ADULTS without PARENTS DEPENDENT CHILDREN Hawaii Jobless Working Jobless Working 133% 133% 133% 133% How many currently uninsured adults would be eligible for Medicaid in Hawaii? In Hawaii, there are currently 45,000 uninsured adults who would be eligible for Medicaid if the state expanded its Medicaid program. Of these, 37,000 would be newly eligible for Medicaid if the state expanded, while 8,000 are eligible for the program under current rules but are not enrolled.1 How many more people would enroll in Medicaid if Hawaii expanded? If Hawaii expands Medicaid, an additional 62,000 adults who will be newly eligible for the program will enroll. These comprise mostly uninsured adults, but also include some adults who currently have other health care coverage. Even if Hawaii does not expand, enrollment is expected to increase by 18,000 as parents and children who are already eligible for Medicaid enroll in health coverage because other aspects of the Affordable Care Act (ACA) including the requirement for people to have coverage or pay a penalty, outreach to enroll people into exchange subsidies, and improved coordination and simplified eligibility procedures.2 How much would it cost Hawaii to cover these individuals through Medicaid? Hawaii will spend $472 million more on Medicaid to cover additional enrollment of currently eligible children and parents through 2022 with or without the expansion.
[Show full text]
How Affordable Care Act Repeal and Replace Plans Might Shift Health Insurance Tax Credits
How Affordable Care Act Repeal and Replace Plans Might Shift Health Insurance Tax Credits Cynthia Cox, Gary Claxton, Larry Levitt An important part of the repeal and replacement discussions around the Affordable Care Act (ACA) will involve the type and amount of subsidies that people get to help them afford health insurance. This is particularly important for lower and moderate income individuals who do not have access to coverage at work and must purchase coverage directly. The ACA provides three types of financial assistance to help people afford health coverage: Medicaid expansion for those with incomes below 138% of poverty (the Supreme Court later ruled this to be at state option); refundable premium tax credits for people with incomes from 100% to 400% of the poverty level who purchase coverage through federal or state marketplaces; cost-sharing subsidies for people with incomes from 100% to 250% of poverty to provide lower deductibles and copays when purchasing silver plans in a marketplace. This analysis focuses on alternative ways to provide premium assistance for people purchasing individual market coverage, explaining how they work, providing examples of how they’re calculated, and presenting estimates of how assistance overall would change for current ACA marketplace enrollees. Issues relating to changing Medicaid or methods of subsidizing cost-sharing will be addressed in other analyses. The ACA and leading replacement proposals rely on refundable tax credits to help individual market enrollees pay for premiums, although the credit amounts are set quite differently. The House Leadership proposal released on March 6, the American Health Care Act, proposes refundable tax credits which vary with age (with a phase-out for high-income enrollees) and grow annually with inflation.
[Show full text]
Welcome to the AFFORDABLE CARE ACT BASICS Module
Page: 1 of 31: Welcome to the AFFORDABLE CARE ACT BASICS Module Long Description Animated introduction screen containing the following text at the top and left of the screen: Welcome to the Affordable Care Act Basics Module. Beneath this text on the left is the logo for the Department of Health & Human Services (HHS), which is made up of the profiles of people, stacked on top of each other, resulting in the profile of an eagle. The words "Department of Health & Human Services USA" form a circle that extends out and to the left from the profiles. To the right of the logo are the words “Health Insurance Marketplace®.” 0 Content is valid through July 2021. Page: 2 of 31: Disclaimer Page Text The information in this training was current at the time it was published or uploaded onto the Web. Eligibility policies and Marketplace requirements may change so links to the source documents have been provided within the document for your reference. This training is not intended to grant rights or impose obligations. It may contain references or links to statutes, regulations, or other policy materials. The information provided is only intended to be a general summary. It is not intended to take the place of either the written law or regulations. We encourage learners to review the specific statutes, regulations, and other interpretive materials for a full and accurate statement of the requirements. This communication was printed, published, or produced and disseminated at U.S. taxpayer expense. Alt Text A page of text with horizontal lines across it; a red horizontal box containing the word “Disclaimer” within it 1 Content is valid through July 2021.
[Show full text]
Gov. Wolf Encourages Health Care Coverage Enrollment on Pennie.Com, the State-Based Marketplace
FOR IMMEDIATE RELEASE December 14, 2020 View Online Gov. Wolf Encourages Health Care Coverage Enrollment on Pennie.com, the State-Based Marketplace Harrisburg, PA – Governor Tom Wolf held a virtual press conference today to highlight the work of the team behind Pennsylvania’s new state-based health insurance marketplace, known as Pennie, and to encourage Pennsylvanians to visit pennie.com for affordable coverage options. He was joined by Insurance Commissioner Jessica Altman, Human Services Secretary Teresa Miller and Pennie Executive Director Zachary Sherman. “I believe that all Pennsylvanians have the right to accessible, affordable, quality health care,” Gov. Wolf said. “Improving access to health care has been a priority for my administration from day one. With Pennie, Pennsylvania’s own health insurance marketplace, Pennsylvanians now have a one-stop shop for their health care coverage needs.” The Wolf Administration has made access to health care a priority from day one: • Expanded access to Medicaid under the Affordable Care Act, opening up health coverage for hundreds of thousands of Pennsylvanians. • Signed legislation in July 2019 creating the state-based marketplace, now Pennie. • Advocated against any rollback of the ACA, which provides health coverage for more than 1 million Pennsylvanians. • Implemented collaborative and innovative programs to improve health care outcomes for Pennsylvanians, including a health care reform plan for Pennsylvania that will lower costs, and focus on improving accessibility, equity, and value of health care for all. • Participated in Get Covered Day on December 10 by issuing a proclamation and raising awareness to encourage Pennsylvanians who don’t have health coverage to go to pennie.com to explore their health care options.
[Show full text]
Remarks on Signing the Patient Protection and Affordable Care Act March 23, 2010
Administration of Barack H. Obama, 2010 Remarks on Signing the Patient Protection and Affordable Care Act March 23, 2010 The President. Thank you. Thank you, everybody. Please, have a seat. Thank you, Joe. [Laughter] Vice President Joe Biden. Good to be with you, Mr. President. [Laughter] The President. Today, after almost a century of trying, today, after over a year of debate, today, after all the votes have been tallied, health insurance reform becomes law in the United States of America—today. It is fitting that Congress passed this historic legislation this week. For as we mark the turning of spring, we also mark a new season in America. In a few moments, when I sign this bill, all of the overheated rhetoric over reform will finally confront the reality of reform. And while the Senate still has a last round of improvements to make on this historic legislation—and these are improvements I'm confident they will make swiftly—the bill I'm signing will set in motion reforms that generations of Americans have fought for and marched for and hungered to see. It will take 4 years to implement fully many of these reforms, because we need to implement them responsibly. We need to get this right. But a host of desperately needed reforms will take effect right away. This year, we'll start offering tax credits to about 4 million small business men and women to help them cover the cost of insurance for their employees. That happens this year. This year, tens of thousands of uninsured Americans with preexisting conditions, the parents of children who have a preexisting condition, will finally be able to purchase the coverage they need.
[Show full text]