We are now in the midst of the third open enrollment period for Covered California, the state’s marketplace for affordable health coverage options. And schools and early learning centers across California are once again at the forefront working to inform families about the opportunity to enroll in coverage. Using The Children’s Partnership’sALL IN For Health toolkit, schools and early learning sites are making calls, passing out flyers, sending newsletters, sharing social media messages, and, ultimately, connecting families to enrollment assistance.
But after a successful first two years of enrollment, what should schools and other outreach partners be focused on this year? Based on the research, we know there are some top points to emphasize to make sure kids and their families get covered and stay covered:
- Financial Help Can Lower Monthly Costs: A recent Covered California survey showed that many uninsured individuals who can benefit most from affordable coverage options still do not understand that they can get financial help to lower monthly costs. Therefore, we need to focus our messages on the premium subsidies available through Covered California and the fact that Medi-Cal is free or very low cost. On the flip side, it is also important to remind families that if they don’t get coverage, they might have to pay a fine of $695 per person or 2.5 percent of their income—whichever is greater.
- Enrollment Help Is Available: Studies after previous enrollment periods demonstrate that many people seeking health coverage prefer to talk with someone who can help them understand their coverage options. ALL IN can arrange for Certified Enrollment Counselors who speak English, Spanish, and potentially other languages to be available on site—such as at schools or early learning centers to walk families through the enrollment process and ensure they enroll.
- Shop Around and Renew Every Year: Each year there are new plans and new prices available. Everyone is encouraged to shop the health coverage marketplace during open enrollment and ensure they have the plan that best meets their family’s needs and budget, especially if the family has had any changes in income. For those with coverage through Covered California that are satisfied with their coverage, they will be automatically re-enrolled in their health plan. Medi-Cal will mail renewal packets each year, and families must respond to keep their coverage.
These are just a few messages schools and early learning providers can spread to make this third year of open enrollment as successful as possible. If you have additional ideas on what to focus on or would like to partner with the ALL IN For Health Campaign, please contact us.
Covered California open enrollment is November 1, 2015, to January 31, 2016. Medi-Cal enrollment is available all year long. Apply through www.coveredca.com.