1. Connecting Muslims to Coverage AMHP www.amhp.us Where Faith and Healthy Communities Come Together

2. Lack of Insurance leads to Medical Debt 62.1% of bankruptcies were due to the burden of medical bills. Many Muslims don’t have access to employer provided health insurance because: – 20% are self-employed, 29% are under- employed and 17% are unemployed.

3. The Individual Mandate In order to address the issue of Uninsurance and Medical Debt, in March 2010, President Obama signed the Affordable Care Act into Law The Individual Mandate of the Affordable Care Act (ACA) will require all residents of the United States to have health insurance, with some exemptions for financial hardship.

4. ACA: Regulating Health Insurance Plans 60% of people that have medical debt had health insurance at the time that the debt occurred. In order to address this problem: – Private health plans must treat you fairly; they can’t deny you coverage because of a pre- existing condition. – Private health plans must now cover a comprehensive set of benefits.

5. Essential Health Benefits All Insurance Plans must now cover: Ambulatory Patient Services Prescription Drugs Emergency Services Rehabilitative & Habilitative Services & Devices Hospitalization Laboratory Services Maternity & Newborn Care Preventive & Wellness Services & Chronic Disease Management Mental Health & Substance Abuse Disorder Services including Behavioral Health Treatment Pediatric Services including Oral & Vision Care

6. Penalties If you don’t have Health Insurance in 2014, you will have to pay a penalty of $95 per adult, $47.50 per child, or 1% of your income (whichever is higher). The fee increases every year, (up to $695 for an Some people may qualify for an exemption from this fee. You’re considered covered if you have Medicare, Medicaid, CHIP, any job-based plan, any plan you bought yourself, COBRA, retiree coverage, TRICARE, VA health coverage, or some other kinds of health coverage

7. What is the Health Insurance MarketPlace? The Health Insurance MarketPlace is a one- stop shop for a variety of healthcare care plans that cover essential health benefits, pre-existing conditions, and more. To find the latest, most accurate, information about the MarketPlace visit www.HealthCare.gov www.HealthCare.gov

8. The MarketPlace Some states operate their own Marketplace. In some states, the Marketplace is run by the Federal government. All marketplaces can be accessed through healthcare.gov

9. Market Place Enrollment Periods The First Open Enrollment period ends March 31, 2014. The Second Open Enrollment is from October 15 – December 7.

10. How to Find Help on the Marketplace Visit HealthCare.gov and click on the Help link in the upper right of the screen Call the Marketplace Call Center toll-free at 1- 800-318-2596 TTY users should call 1-855-889-4325 Assistance is available in different languages

11. Insurance on the Market Place With a single application, you also will find out if you qualify for: – Medicaid, – The Children’s Health Insurance Program, – Or savings you can use right away to lower your health insurance premium.

12. Contact To find out more about how we can help your community connect to coverage, please visit our website at: www.amhp.us