Resources for Individuals and Employers

Following are links to resources for individuals and employers from organizations and government agencies to help consumers understand the health care reform law and navigate their coverage options, and to provide information about the implementation activities underway in federal agencies.

Medicare

Medicare  is health insurance for people age 65 or older, under 65 with certain disabilities, and any age with End-Stage Renal Disease (ESRD).

Medicaid

Medicaid is health insurance that helps low-income and disabled individuals who cannot afford medical care pay for some or all of their medical bills. Medicaid is jointly funded by the federal government and the states and is operated by the states. In 2014, the federal government will help pay for Medicaid’s expansion, which will begin covering adults without dependent children.

General Information about Health Reform

U.S. Department of Health and Human Resources has a comprehensive website on health reform for consumers at healthreform.gov. The site has information on issues such as the health reform provisions, grandfathered plans, Medicare, Medicaid, as well as a tool to help individuals find insurance options

Consumer Reports: The Consumers Union has put together a guide to the changes in health law

National Association of Insurance Commissioners: The NAIC website provides answers to frequently asked questions for consumers, employer, and seniors:

Internal Revenue Service: The IRS handles the tax provisions of the health reform law:

Families USA: This nonprofit advocacy foundation has created a consumer guide to health care reform

Government Healthcare: Take health care into your own hands

Resources for Insured Individuals

Patient Advocate Foundation: The Foundation offers assistance to patients with specific issues they are facing with their insurer, employer and/or creditor regarding insurance, job retention and/or debt crisis matters relative to their diagnosis of life threatening or debilitating diseases:

Foundation for Health Coverage Education: The mission of the FHCE is to provide simplified public and private health insurance eligibility information in order to help more people access coverage. The Foundation has set up 
hotline to help people navigate their coverage options:

American Heart Association: The American Heart Association has a website with frequently asked questions, fact sheets and videos to help make sense of the health reform law.

The American Cancer Society: The ACS has a guide to insurance coverage on their website and additional resources for cancer patients.

National Association of Insurance Commissioners: For help with private health insurance issues, consumers can contact their state insurance department.

Resources for Uninsured Individuals

Veterans Affairs: Individuals that have been on active duty in the military may qualify for Veterans Administration (VA) health benefits depending on several factors. The VA looks at how long you served, the type of discharge you received, disability, income, availability of VA services in your area, and other factors to decide if you are eligible:

Partnership for Prescription Assistance: The Partnership for Prescription Assistance helps qualifying patients without prescription drug coverage get the medicines they need through the program that is right for them. Visit them online at http://www.pparx.org/.

National Breast and Cervical Cancer Early Detection Program: Medically underserved women can get tested for breast cancer for free or at very little cost through the National Breast and Cervical Cancer Early Detection Program (NBCCEDP). This program provides breast and cervical cancer early detection testing for women who are uninsured, or in some cases under-insured. Each state offers the program and the Centers for Disease Control and Prevention (CDC) matches funds and support for each state program:

Foundation for Health Coverage Education: Free assistance in finding free and low-cost health care through the Foundation for Health Coverage Education:

Department of Health and Human Services information about the Pre-Existing Condition Insurance Plans  can help people find health coverage:

Resources for Employers

Department of Labor: The DOL has an FAQ sheet for employers as well as a series of resources from the Employer Benefits Security Administration on health care reform

National Association of Insurance Commissioners: The NAIC provides tips and information about insurance options for small business owners

U.S. Chamber of Commerce: This national business organization has a guide for employers

Small Business Majority: The Small Business Majority, a nonprofit advocacy organization, has a list of frequently asked questions specific to businesses and health reform and holds listening tours around the country to help small business owners with questions about health reform

National Business Group on Health: This nonprofit advocacy organization represents the larger employers’ perspective on national health policy issues and has published a toolkit for businesses on health reform

U.S. Small Business Association: This governmental agency is an information resource for small businesses, small business owners and prospective business owners