770 9360969 cpacsorg Health Insurance for Immigrants and Refugees Best Practices Challenges and the Way Forward Tuesday April 26 2016 Objectives Discuss challenges and best practices for providing ACA Services ID: 649688
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CPACS
3510 Shallowford Road NE, Atlanta, GA
(770) 936-0969 / cpacs.org
Health Insurance for
Immigrants and Refugees: Best Practices, Challenges and the Way Forward
Tuesday, April 26, 2016Slide2
Objectives
Discuss challenges and best practices for providing ACA ServicesLearn about in-language and other resources available Identify recommendations for improving access to careSlide3
Acronyms
AAPI/ API – Asian Americans and Pacific Islanders ACA – Affordable Care ActAIAN – American Indian/ Alaskan NativeFFM – Federally Facilitated Marketplace FQHC – Federally Qualified Health Center LEP – Limited English ProficientOE – Open Enrollment QHP – Qualified Health Plan Slide4Slide5
PEOPLE NEED PEOPLE
CPACS is the first, largest and oldest organization in the Southeast to focus on issues and concerns of Asian Americans, especially women, children and families with low incomes. Slide6
CPACS’ Mission
To promote self-sufficiency and equity for immigrants, refugees, and the underprivileged through comprehensive health and social services, capacity building, and advocacySlide7Slide8
CPACS
Service locations in 4 counties: DeKalb, Gwinnett, Cobb and FultonFQHC - CPACS Cosmo Health Center 12 Departments 7 standard languagesOver 16 languages in-house Slide9
AAPIs in Georgia
♦ 5th fastest growth of AAPIs in the nation ♦ Top 10 counties with AAPI populationsGwinnett, Fulton DeKalb, Clayton, Cobb, Chatham, Clarke, Richmond, Columbia, and MuscogeeSlide10
Asian Americans in Atlanta, GA
Asian American population is 254,307 and 5% of the city (3% statewide).Data from 2010 census at www.census.govSlide11
Data from 2008-2010 census estimates at www.census.gov
Asian Americans in Atlanta, GA9 out of 10 are foreign born
Asian American population is 254,307 and 5% of the city (3% statewide).Slide12
Data from 2008-2010 census estimates at www.census.gov
Asian Americans in Atlanta, GA9 out of 10 are foreign born
Asian American population is 254,307 and 5% of the city (3% statewide).
1/2 of the Asian Americans are on a path to citizenshipSlide13
Asian Americans in Atlanta, GA
9 out of 10 are foreign born
Asian American population is 254,307 and 5% of the city (3% statewide).1/2 of the Asian Americans are on a path to citizenship
Gwinnett County has over 85,000 Asian Americans (11%).Data from 2010 census at www.census.govSlide14
Asian Americans in Atlanta, GA
9 out of 10 are foreign born
Asian American population is 254,307 and 5% of the city (3% statewide).1/2 of the Asian Americans are on a path to citizenshipData from 2008-2010 census estimates at www.census.govGwinnett County has over 85,000 Asian Americans (11%).
Asian Americans have one of the highest rate (46%) of limited English proficiency.Slide15
Asian Americans in Atlanta, GA
9 out of 10 are foreign born
Asian American population is 254,307 and 5% of the city
(3% statewide).
1/2 of the Asian Americans are on a path to citizenship
Data from 2008-2010 census estimates at www.census.gov
Gwinnett County has over 85,000 Asian Americans (11%).
Asian Americans have one of the highest rate (46%) of limited English proficiency.
Almost 1 in 3 (29%) are low-incomeSlide16
Asian Americans Advancing Justice “A Community of Contrasts,” 2014Slide17
CPACS ACA Program
Providing services since OE1Specialize in Immigrants and Refugees6 Certified Application CounselorsProvide in-language ACA services KoreanSpanishVietnameseChinese (Mandarin/Cantonese)ThaiNepaliBurmeseSlide18
CPACS ACA Program
In-language enrollment and assistances Problem solve technical barriersYear round support to the Marketplace Provide education on health insurance literacy (how to use health insurance, find providers, importance of preventative care, etc.)Slide19
Challenges
Process is not always simple!Identity Verification problems, verifying immigration status, confirming income is correctly reported; 1095-As and taxesLanguage barriers Lack of in-language correspondence and materials, fear of being misunderstood over phoneSlide20
Challenges
Lack of knowledge on Health InsuranceCome from countries with different or no healthcare system Complicated terminology and system to navigateFinancial Understanding and Constraints Concept of paying monthly and then paying when accessing careAffordable according to FFM v. Affordable to Client Slide21
Challenges
Individuals and Families who fall in Coverage Gap Linkage to low cost self-pay options that meet healthcare needs like FQHCMisinformation on plan benefits and tax credits Slide22
Best Practices
Understanding the difference between immigration statuses and related policies Immigrants – Permanent Residence for more than 5 years Qualify for Medicaid and PeachcareQualify for Medicare if worked more than 40 Quarters (10 years) Immigrants – Residence less than 5 years or not a Green Card HolderDO NOT qualify for Medicaid, Peachcare, Medicare, and some other government benefitsSlide23
Best Practices
Understanding the difference between immigration statuses and related policies Refugees Automatically receive Medicaid and Peachcare for 1st 3 months in U.S.Eligible for Medicaid and Peachcare after 3 months depending on income Must work 40 quarters (10 years) to receive Medicare Slide24
Best Practices
Be familiar with different immigration documents Permanent Resident Card or Green CardEmployment Authorization Card Machine-Readable Immigrant Visa Slide25
Best Practices
Provide in-person interpretation servicesWhen using phone interpretation, information can be lost or mistranslatedLinkage to careProvide information on local providers for services and ensure access to services in-languageFQHCsSlide26
Best Practices
Keep cultural competence in mindFamily Structure Immigration Status Be mindful of mixed status families Different healthcare systemsDon’t make assumptions!Slide27
Best Practices
Provide enrollment print-outs Continuing health insurance literacy educationIn-languageVisual examplesProvide handouts and access to other resources Slide28
Resources
GHF’s GEAR Resource Exit Form Coverage to Care Road Map and BookletsAction for Health Justice’s Health Insurance Enrollment GlossaryConsumer Report’s Health Insurance Enrollments ToolsSlide29
Recommendations and Moving Forward
Increase bilingual in-person assisters for multiple languagesProduce more in-language and visual health literacy materials Continuing to enforce implementation of language access requirements of ACA for QHPsIncrease in network adequacy to make sure more in-language and local providers are included on QHPs Slide30
Questions?
Sarah Brechin 770-936-0969 ext.157sarah.brechin@cpacs.orgCenter for Pan Asian Community Services (CPACS)3510 Shallowford Road NE,Atlanta, GA 30341www.cpacs.orgwww.facebook.com/cpacs.org