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Washington Health Benefit Exchange
Eastern Washington Outreach CoalitionFebruary 5, 2013
Michael MarchandCommunications Director
Today’s Agenda
▪ Overview of ACA and Exchange
▪ Exchange Governance and Build
▪ Key Challenges and Upcoming Milestones
▪ Navigator Program Update
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Impact of the Affordable Care Act
▪ Changes to private insurance, e.g., o Young adults on parent’s policies to age 26oProhibit lifetime monetary capsoMinimum spending on medical care (medical loss ratio)
▪ Closes the prescription “doughnut hole”
▪ Expands coverageo Expands Medicaid to 138%* of Federal Poverty Level (FPL)o Exchanges
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*ACA 133% = 138% due to across the board income disregards
Washington HealthPlan Finder
Vision: Redefining People's Experience with Health Care
Mission: Radically improving how Washingtonian’s secure health insurance through
▪innovative and practical solutions
▪easy-to-use customer experience
▪our values of integrity, respect, equity and transparency
▪providing undeniable value to the healthcare community (patients, providers, plans)
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Exchange Basics▪ Individuals >138% of FPL and small groups (2-50)
▪ Tax credits available for individuals 138%-400% of FPL
▪ Cost sharing reductions available for <250% of FPL
▪ “Qualified health plan” (QHP) offerings
▪ Metallic tiers of actuarial value
▪ Apples-to-apples comparisons for consumers, one-stop shop
▪ 10 essential health benefits
▪ Navigators, agents/brokers, call center
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Building The Exchange
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• HCA receives one-year $22.9 million grant to design and develop Exchange
• SSB 5445 passed creating Exchange as “public private partnership”
• Governor names Exchange Board members
• Board begins governing authority
• ESSHB 2319 passed
• Deloitte Consulting, signs on as system integrator
• Exchange names first CEO and moves into new building
• Washington becomes second Level 2 establishment grant recipient, $128 million
• Exchange moves onto own payroll and accounting systems
• Sustainability plan submitted to Legislature
• WA HBE receives conditional approval from HHS/CCIIO to operate the state exchange
• Exchange must be certified by HHS
• Additional legislative action taken as needed
• Open Enrollment begins (October 1)
2011
20122013
2014• Coverage purchased in
the Exchange begins
• Open enrollment ends March 31.
• Year 2 open enrollment in Oct.
Exchange Governance Structure
Who is represented?▪ Employee benefits specialists▪ Health care finance specialists and
economists▪ Health consumer advocates▪ Small business representatives▪ Administrators from public and
private health care
▪ Consumer advocates▪ Health insurance carriers▪ Health insurance brokers▪ Health care providers▪ Tribal representatives
▪ Technical experts
▪ Consumers▪ Consumer advocates▪ Health insurance carriers
Exchange Board Members
Eleven member, bi-partisan board assumed authority on March 15, 2012
Margaret Stanley – Chair, Retired Executive Director, Puget Sound Health Alliance
Steve Appel – Farmer, Past President of the Washington Farm Bureau
William Baldwin – Partner, The Partners Group
Donald Conant – General Manager, Valley Nut & Bolt, Assistant Professor
Doug Conrad – Professor, University of Washington
Melanie Curtice – Partner, Stoel Rives
Ben Danielson – Medical Director, Odessa Brown
Phil Dyer – Senior VP, Kibble & Prentice, and Former Legislator
Teresa Mosqueda – Legislative & Policy Director, Washington Labor Council
*Commissioner Mike Kreidler – Insurance Commissioner
*MaryAnne Lindeblad – HCA Director
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* non voting, ex officio
Important Board Policy Decisions
Completed▪ Branding▪ Criteria for qualified health plans (QHPs)▪ Premium aggregation ▪ Consumer Rating System▪ Pediatric Dental Benefits▪ Sustainability report provided to Legislature▪ Navigator program
Upcoming▪ Role of agents/brokers
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Exchange Functions & Services
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What is a Navigator?
▪ Conducts public education and awareness of QHPs
▪ Distributes fair and impartial information
▪ Facilitates with enrollment
▪ Provides referrals to any applicable assistance, ombudsman or like activity
▪ Delivers information in a manner that is culturally and linguistically appropriate
▪ Executes in a fair and impartial manner
▪ May not be funded with federal grant dollars
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Who Can Be A Navigator?▪ At least one community and consumer-focused
nonprofit
▪ At least one other:▪ Trade, industry and professional association▪ Commercial fishing industry organizations, ranching and
farming organizations▪ Chambers of Commerce▪ Unions▪ Resource partners of the Small Business Administration▪ Licensed agents and brokers▪ Other public or private entities (including Tribal organizations)
and human service agencies
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Consumer Entry Points
Program Development Status
▪ Board approved the Proposed Navigator Implementation PlanoNetwork StructureoCompensationoPerformance measures
▪ Plan posted for public input
▪ Moving forward with RFP Development
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Navigator Network
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Tribal Program
Individual Navigator
Lead Organization Key Responsibilities
▪ Build local Navigator Network
▪ Coordinate outreach and education efforts
▪ Train Navigator Organization staff
▪ Monitor performance and service quality
▪ Submit required Exchange data and reports
▪ Funding agent
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Navigator Key Responsibilities
▪ Outreach
▪ Community Awareness and Education Activities
▪ Application-Enrollment Assistance
▪ Service Coordination
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Qualifications
▪ Complete Required Exchange TrainingoKnowledge and competency-basedoUnder development
▪ Pass Certification Exam
▪ Ongoing training and recertification
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Target Population
▪ Broad public education – awareness efforts
▪ Outreach Plan for each service area
▪ Application-Enrollment support to those who need one-on-one assistance
▪ Populations who experience barriers to access
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Navigator Limitations
▪ Impartial, objective information
▪ Cannot offer QHPs outside open enrollment
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Compensation Approach
▪ Grant funds for first 18 months (In-Person Assistance - pending)
▪ Exchange compensates Lead Organizations
▪ 50% Performance (Activity) Based and 50% Outcome-Based
▪ Example (next slide)
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Navigator Contract Example Total contract $360,000
Performance
Compensation (50%) $180,000
Outcome Compensation (50%) $180,000
Contract terms
Activities outlined in Statement of Work
4,200 Enrollments
50% or less in Target
Population
50% or more in Target
Population
Payment $10,000 per month x 18 months
Target 1 – 1,400
Target 2 – 2,800
Target 3 – 4,200
$48,000
$48,000*
$48,000*
$60,000
$60,000*
$60,000*
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*Add tiers for proportion of target 2 or 3 goal met – not “all or nothing”
Navigator Program Timeline
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Key Challenges
▪ Tight timeline – Oct. 1, 2013oFederal dependencies and guidance o IT flight path – scope, schedule and budget
▪ Delivery environmentoCritical inter-agency interdependencies
▪ Managing expectationsoOptions deferred to 2.0oComplex authorizing environment
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What to look for
▪ New Exchange website, email addresses: wahbexchange.org
▪ Legislative debate on sustainability plan
▪ Late winter/early spring:oRFPs, applications for Navigators, in person assisters,
and QHPsoMarketing, outreach to ramp up oSystem testing to begin, first with other systems
(integration testing), then user testing
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The Future?
▪ The exchange’s role in the marketplace
▪ Data gathering, and business intelligence
▪ Supporting delivery system and other reforms through a QHP rating system
▪ Supporting continuing consumer engagement
▪ Performance reporting
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www.wahbexchange.org
Includes information about:▪ Exchange Board
▪ Legislation and grants
▪ Policy discussion
▪ TAC and stakeholder involvement
▪ IT systems development
▪ HHS guidance
▪ Listserv registration
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More on the Exchange
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