THE AFFORDABLE CARE ACT (OBAMACARE) AND HEALTH INSURANCE FOR YOUR FAMILY

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1 THE AFFORDABLE CARE ACT (OBAMACARE) AND HEALTH INSURANCE FOR YOUR FAMILY 32BJ members have been getting letters from their employers about the Marketplace. The government requires employers to send these letters. They re intended to notify employees who don t have family coverage that they have the opportunity under Obamacare to purchase health coverage on the Marketplace. The Marketplace is sometimes called the Exchange. TYPES OF COVERAGE 32BJ FAMILY COVERAGE If you and your dependents have family coverage from a 32BJ health plan, you re already covered. Don t go to the Marketplace for coverage. Any notice you get about the Marketplace doesn t apply to you and your family. If you have or are offered family coverage by your employer, but it s not from a 32BJ plan, you should speak with a Navigator (see list) about your options. SINGLE COVERAGE If you have single coverage (that is, insurance that only covers you) and your spouse and dependents don t have health coverage, the Marketplace is a good place for your dependents to go to purchase coverage. NO COVERAGE If you and your family members don t have coverage, all of you can use the Marketplace to purchase coverage. HELP AND MORE INFORMATION GETTING HELP FROM A NAVIGATOR A Navigator is a government-funded coordinator whose job it is to help people navigate the Marketplace and the new health care system. In D.C. and Maryland, the new health care system includes expanded Medicaid coverage. The easiest way to figure out whether you and your dependents are eligible for Medicaid, CHIP (a good alternative for kids) or coverage and subsidies from the Marketplace is to consult a Navigator. The Marketplace offers four levels of benefits (higher or lower deductibles, co-pays, etc.) from different insurance companies. The Navigator also can help you figure out what level and company are best for you and your family. continued 32BJ SEIU, 25 West 18th Street, New York, NY

2 See the list of the names, addresses, and telephone numbers of the Navigators in 32BJ s area in D.C., Maryland, and Virginia. MORE ABOUT THE MARKETPLACE The Marketplace is where people who aren t covered can purchase health coverage. Beginning January 1, 2014, everyone is required to have health coverage. In D.C., the Marketplace is called DC Health Link. The website is In Maryland, the Marketplace is called Maryland Health Connection. The website is In Virginia, the Marketplace is called The Health Insurance Marketplace. The website is The Marketplace opened October 1, 2013 for people to purchase coverage that will take effect on January 1, In D.C., you can go to to apply for coverage. In Maryland, you can go to to apply for coverage. In Virginia, you can go to to apply for coverage. Better still, you can consult with a Navigator whose job it is to help people navigate the Marketplace and the new health care system. Enrollment for 2014 coverage closes on March 31, 2014; after that you can purchase 2014 coverage through the Marketplace only if there is a special circumstance, like losing your job, a child is born, divorce. Any health coverage that is bought at the Marketplace will cost money. However, some people who purchase in the Marketplace will qualify for government subsidies. To purchase coverage in the Marketplace you: Must be U.S. citizen or lawfully present in the U.S. Can t be eligible for Medicaid, CHIP or Medicare. To qualify for a subsidy, you can t have family income that exceeds certain levels. SUBSIDIES Subsidies through the Marketplace depend on family income and size. For example, a family of four with yearly income of $45,000 can purchase a silver plan (there are four levels of plans: platinum, gold, silver and bronze) for about $220 per month. That plan would have cost $822 monthly without the subsidy, so the subsidy will save $602 monthly. And a single person earning $12 an hour and working full-time ($24,960 annually) can purchase a silver plan for about $143 monthly. The plan would have cost $252 monthly without the subsidy, so the subsidy will save $109 monthly. For a simple way to find out whether your family income and size qualify you for a subsidy, go to the Kaiser Family Foundation website. On the website, use the Health Insurance Subsidy Calculator. It s quick and easy. A Navigator can also help you figure this out. FREQUENTLY ASKED QUESTIONS (FAQS) The Kaiser Family Foundation has answers to dozens of FAQs about health care reform. It s informative and easy to use. Go to and click on Understanding the ACA and then FAQs.

3 OBAMACARE. LA LEY DE SALUD ASEQUIBLE Y EL SEGURO DE SALUD PARA SU FAMILIA Nuestro afiliados han estado recibiendo cartas de sus empleadores acerca del Obamacare (La Nueva Ley sobre el Seguro de Salud). El gobierno requiere que los empleadores manden estas cartas. El propósito de estas cartas es notificar a los empleados que no tienen cobertura familiar que tienen la oportunidad de comprar cobertura médica en el Mercado en Internet bajo Obamacare. El Mercado en Internet también es conocido como el Intercambio (Exchange). TIPOS DE COBERTURA COBERTURA FAMILIAR 32BJ Si usted y sus dependientes tienen cobertura familiar de un Plan Medico 32BJ, ya están cubiertos. No vaya al Mercado en Internet para buscar cobertura. Cualquier noticia que usted reciba acerca del Mercado en Internet no le afecta a usted y su familia. Si usted tiene o es ofrecido cobertura familiar por parte de su Empleador, pero no es por medio de un Plan 32BJ, usted debe consultar con un Navegador (ver lista) acerca de sus opciones. COBERTURA INDIVIDUAL Si tiene cobertura individual (seguro que solo le cubre a usted) y su cónyuge y dependientes no tienen cobertura médica, el Mercado en Internet es un buen lugar para que sus dependientes vayan a comprar cobertura. SIN COBERTURA Si usted y sus familiares no tienen cobertura, todos pueden usar el Mercado en Internet para comprar cobertura. AYUDA Y MÁS INFORMACIÓN RECIBIR AYUDA DE UN NAVEGADOR Un Navegador es un coordinador, financiado por el gobierno, cuyo trabajo es ayudar a personas a navegar el Mercado en Internet y el nuevo sistema de cuidado de salud. En los estados de D.C. y Maryland, el nuevo sistema de cuidado de salud incluye cobertura expandida de Medicaid. La manera más fácil de enterarse si usted y sus dependientes son elegibles para Medicaid, CHIP (una buena alternativa para niños) o cobertura y subsidios del Mercado en Internet seria consultar con un Navegador. El Mercado en Internet ofrece cuatro niveles de beneficios (deducibles más altos o bajos, copagos, etc.) de diferentes compañías de seguro. El Navegador también puede ayudarle a determinar qué nivel y qué compañía son las mejores para usted y su familia. Ver lista de los nombres, direcciones de correo electrónico, y números de teléfonos de los Navegadores en las areas de la 32BJ en los estados de D.C., Maryland, y Virginia. continua 32BJ SEIU, 25 West 18th Street, New York, NY

4 MÁS INFORMACIÓN ACERCA DEL MERCADO EN INTERNET El Mercado en Internet es un lugar donde personas que no están cubiertas pueden comprar cobertura médica. Empezando el 1 de enero de 2014, toda persona está obligada a tener cobertura médica. En D.C., el Mercado en Internet se llama DC Health Link. El sitio web es En Maryland, el Mercado en Internet se llama Maryland Health Connection. El sitio web es En Virginia, el Mercado en Internet se llama The Health Insurance Marketplace. El sitio web es El Mercado en Internet abrió el 1 de octubre de 2013 para que las personas puedan comprar cobertura que tomara efecto el 1 de enero de En D.C., puede ir a para solicitar cobertura. En Maryland, puede ir a para solicitar cobertura. En Virginia, puede ir a para solicitar cobertura. Mejor aún, puede consultar con un Navegador cuyo trabajo es ayudar a personas a navegar el Mercado en Internet y el nuevo sistema de cuidado de salud. La inscripción para cobertura en 2014 se cierra el 31 de marzo de 2014; después usted puede comprar cobertura de salud en el mercado en internet sólo si existe una circunstancia especial, como la pérdida de su trabajo, el nacimiento de un niño, o divorcio. Cualquier cobertura que compre en el Mercado en Internet le costará dinero. Sin embargo, algunas personas que compran en el Mercado en Internet calificarán para subsidios del gobierno. Para comprar cobertura en el Mercado en Internet usted: Debe ser ciudadano estadounidense o estar legalmente en los EE.UU. No puede ser elegible para Medicaid, CHIP o Medicare. Para calificar para un subsidio, usted no puede tener un ingreso familiar que exceda ciertos niveles. SUBSIDIOS Subsidios para el Mercado en Internet dependen del tamaño de su familia y su ingreso familiar. Por ejemplo, una familia de cuatro con un ingreso anual de $45,000 puede comprar un plan de plata (hay cuatro niéveles de planes platino, oro, plata, y bronce) por alrededor de $220 por mes. El plan hubiese costado $822 mensualmente sin el subsidio, así que el subsidio le ahorrara $602 mensualmente. Y una persona soltera que gana $12 por hora, trabajando a tiempo completo ($24,960 anualmente) puede comprar un plan de plata por alrededor de $143 mensualmente. El plan hubiese costado $252 mensualmente sin el subsidio, así que el subsidio le ahorrara $109 mensualmente. Una manera simple de determinar si el tamaño de su familia y su ingreso familiar lo califica para un subsidio, es por medio de el sitio web de Kaiser Family Foundation (Desafortunadamente, este sitio web está en inglés y no en español). En el sitio web, use la Calculadora de Subsidio de Seguro Médico (Health Insurance Subsidy Calculator). Es rápido y fácil. Un Navegador también lo podrá ayudar a determinar si califica. PREGUNTAS MÁS FREQUENTES Kaiser Family Foundation tiene respuestas a docenas de las preguntas más frecuentes de la reforma de cuidado de salud. Vaya a y haga clic en Understanding the ACA y luego en FAQs. (Desafortunadamente, este sitio web está en inglés y no en español.)

5 WASHINGTON, D.C., MARYLAND & VIRGINIA NAVIGATORS / NAVEGADORES WASHINGTON, D.C. African Methodist Episcopal Church (AME) Second District Religious Educational and Charitable Development Projects Inc (202) Andromeda Transcultural Health (202) Brown Memorial AME Church (202) Byte Back (202) Calvary Healthcare Inc (202) Capital City Health Education Center Inc (202) CitiWide Computer Training Center (202) Community of Hope (202) Congress Heights Main Street Inc (202) Damien Ministries (202) ?id= &sk=info DC Cancer Consortium Inc (202) DC CARE Consortium (202) DC Primary Care Association (202) East of the River Clergy Police Community Partnership (202) East River Family Strengthening Collaborative Inc (202) Ethiopian Community Service & Development Council (202) Family Voices of DC (202) Good Success Christian Church & Ministries (202) Church-and-Ministries-GSCCM/ ?id= &sk=info Greater Washington Urban League (202) HealthHIV (202) Henry C Gregory III Family Life Center Foundation (202) La Clinica del Pueblo (202) Leadership Council for Healthy Communities (202) Mary s Center for Maternal & Child Care Inc (202) MBI Health Services LLC (202) Metro Health Inc (202) New Bethel Baptist Church (202) Planned Parenthood of Metropolitan Washington DC (202) Quality Trust for Individuals with Disabilities Inc (202) St Paul AME Church/12th Street Partnership (202) no website Summit Health Institute for Research and Education Inc (202) The George Washington University (202) Unity Healthcare Inc (202) Us Helping Us, People Into Living Inc (202) Whitman-Walker Clinic Inc (202) MARYLAND Allegany County Health Department (301) Anne Arundel Medical Center (443) Asian American Center of Frederick (301) Baltimore City Health Department (410) Baltimore Healthy Start (410) Baltimore Medical System (410) Benefits Data Trust (855) Benefits Data Trust (855) Calvert Health Solutions (Serves Calvert, Charles & St Mary s Counties) (443) continued / continua

6 CASA de Maryland, Inc. (301) Cecil County Health Department (410) Charm City Clinic (443) Chase Brexton Health Services, Inc. (410) Chase Brexton Health Services, Inc. (410) Chatman, LLC (202) Choptank Community Health System, Inc. Denton: (410) Goldsboro: (410) Federalsburg: (410) Cambridge: (410) Bay Hundred: (410) City of Frederick/Frederick Community Action Agency (301) Community Clinic, Inc. Franklin Park: (240) Gaithersburg: (301) Germantown: (301) Greenbelt: (240) Silver Spring: (301) Takoma Park: (301) Wheaton: (301) Eastern Shore Area Health Education Center (410) Family Services, Inc. (301) Frederick County Health Department (301) Garrett County Health Department (301) Grassroots Crisis Intervention Center, Inc. (410) Greater Baden Medical Services (301) x1101 Harford Community Action Agency, Inc. (410) Harford County Health Department Bel Air: (410) Edgewood: (410) Aberdeen: (410) Health Care for the Homeless (410) Health Partners, Inc. (301) HealthCare Access Maryland (Serves Baltimore City, Baltimore & Anne Arundel Counties) (410) Healthy Howard (Serves Howard, Carroll, Frederick, Washington, Alleghany & Garrett Counties) (410) Independent Marylanders Achieving Growth Through Empowerment, Inc. (410) Interfaith Works, Inc. (301) Korean Community Services Center of Greater Washington (240) Korean Resource Center, Inc. (410) Mary s Center for Maternal & Child Care Inc Montgomery County: (240) Prince George s County: (301) Mental Health Association of Maryland (443) Mercy Hospital (410) Montgomery County Department of Health and Human Services (Serves Montgomery & Prince George s Counties) (240) Mosaic Community Services (410) Park Heights Community Alliance (410) Partnership for a Healthier Carroll County, Inc. (410) Planned Parenthood (410) Primary Care Coalition of Montgomery County, Inc. (301) Prince George s County Department of Social Services (301) socialservices/pages/default.aspx Prince George s County Health Department (301) St. Stephens AME Church (410) Structured Employment Economic Development Corporation (SEEDCO) (Serves Harford, Cecil, Kent, Queen Anne s, Caroline, Talbot & Dorchester Counties) (410) The Coordinating Center (410) The Maryland Medical Society (MedChi) (410) Triangle Health Alliance (410) Tri-State Community Health Center, Inc. (301) Walden Sierra (301) Washington County Community Action Council (301) Worcester County Health Department (Serves Worcester, Wicomico & Somerset Counties) (410) VIRGINIA Advanced Patient Advocacy (877) Virginia Health Care Foundation (804) Virginia Poverty Law Center (804) Toll free: (800)

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