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NY State of HealthThe Official Health Plan Marketplace

Regional Outreach Summit - RochesterSeptember 23, 2013

Kyle KotaryDirector, External Affairs, Outreach & Marketing518-473-1703krk02@health.state.ny.us

NY STATE OF HEALTH WILL OPEN ON OCTOBER 1ST

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INDIVIDUALS AND FAMILIES WILL HAVE A CHOICE OF HIGH QUALITY, LOW COST PRIVATE HEALTH PLANS

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Map of Health Plans by County

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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 pre-existing 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

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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

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Website Resources

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Financial Assistance and Premium Estimates for Silver Level Plans

Genesee County

Adult earning $20,000

Tax credit: $241/month

Premiums start at: $97/month

Monroe County

Adult earning $20,000

Tax credit: $185/month

Premiums start at: $85/month

Seneca County

Adult earning $20,000

Tax credit: $230/month

Premiums start at: $97/month

*Exact rates will depend on the metal tier, health plan selected, and county.

http://www.nystateofhealth.ny.gov/resource/tax-credit-and-premium-estimator

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Genesee County

Family of 4 earning $50,000

Tax credit: $372/month

Parent premiums start at: $304/month

CHP premiums for children: $18/month

Monroe County

Family of 4 earning $50,000

Tax credit: $261/month

Parent premiums start at: $281/month

CHP premiums for children: $18/month

Seneca County

Family of 4 earning $50,000

Tax credit: $350/month

Parent premiums start at: $304/month

CHP Premiums for children:$18/month

*Exact rates will depend on the metal tier, health plan selected, and county.

Financial Assistance and Premium Estimates for Silver Level Plans

http://www.nystateofhealth.ny.gov/resource/tax-credit-and-premium-estimator

SMALL BUSINESSES AND THEIR EMPLOYEES WILL ALSO HAVE A CHOICE OF HIGH QUALITY, LOW COST PRIVATE

HEALTH PLANS

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Small Business Marketplace:Value for Small Employers

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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.

Employer Coverage Options

Employer Contribution Options

1) Select among QHPs offered by a specific carrier

2) Select specific QHPs offered by multiple carriers

3) Select a metal tier of coverage

4) Allow employees to select any Exchange QHP

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)

Overview: Employer Coverage and Contribution Options

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NEW YORKERS WILL HAVE HELP FINDING HIGH QUALITY, LOW COST PRIVATE HEALTH PLANS

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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

Certified Application Counselors

• Complete Applications• No compensation from Marketplace• Training and certification required

Insurance Brokers/Agents

• Complete Applications• Commission-based compensation• Training and certification required• Choose to certify in Small Business Marketplace,

Individual, or both

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• 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

3 Types of In-Person Assistors

A FIRST CLASS CUSTOMER SERVICE CENTER WILL BE READY TO ANSWER QUESTIONS AND ENROLL

PEOPLE

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Customer Service Call Center1-855-355-5777

• Call Center live on September 16th

• Sept. 16-30: Call Center available to answer questions and provide guidance; not accepting applications. Hours: 8am-5pm (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.

A STATEWIDE AWARENESS CAMPAIGN HAS BEGUN. A MULTI-MEDIA

ADVERTISING CAMPAIGN WILL BEGIN IN THE UPCOMING MONTHS

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Media• New name, logo and website unveiled

• Social media includes Twitter, Facebook, YouTube and Google Plus

• Creative campaign for TV, radio, print and “out-of-home” in production

• Public relations campaign under way

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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

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Social Media

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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.

ADVERTISING: Reaching New Yorkers Through a

Comprehensive Multi-Media Approach

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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

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Anticipated TV Reach & Frequency: High-Impact Coverage with Strong

Frequency of Message

Local TV - Reach & Frequency

  4 Week 8 Week

MARKET Reach Frequency Reach FrequencyAlbany 89 11.3 93 21.5

Binghamton 91 11.0 94 21.3

Buffalo 90 11.2 93 21.5

Elmira 91 10.9 93 21.3New York 91 11.0 94 21.3Rochester 89 11.2 93 21.3Syracuse 88 11.3 92 21.7

Utica 91 11.0 93 21.5

Watertown 92 10.9 95 21.1

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

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• 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

Using the nystateofhealth™ Logo

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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.

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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.

Strategic Messaging

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nystateofhealth.ny.gov

1-855-355-5777

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