renewing the children’s health insurance...
TRANSCRIPT
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©2017,Children’sDentalHealthProject
RenewingTheChildren’sHealthInsuranceProgram:UnderstandingStateConcerns,UpdatesfromWashington,andStrategiesforAdvocacy
Presenters: MaureenHensley-Quinn,NASHP DeborahVishnevsky,CDHP LibbyMullin,MullinStrategiesforCDHP
09/07/2017
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Snapshot of CHIP and its current funding
Children’s Dental Health Project Webinar September 7, 2017 Maureen Hensley-Quinn, NASHP
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About NASHP • The National Academy for State Health Policy (NASHP) is an
independent academy of, by, and for state health policymakers. We are dedicated to helping states achieve excellence in health policy and practice. A non-profit and non-partisan organization, NASHP provides a forum for constructive work across branches and agencies of state government on critical health issues.
• To accomplish our mission we: ▫ Convene state leaders to solve problems and share solutions ▫ Conduct policy analyses and research ▫ Disseminate information on state policies and programs ▫ Provide technical assistance to states
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What is CHIP? • Bi-partisan program established in 1997 to provide
health coverage for children of low-income working families
• Financed with federal dollars and states provide matching funds ▫ Federal CHIP matching rate higher than Medicaid FMAP
• States implemented and operate different types of CHIP programs ▫ Separate, Medicaid-expansion/look alike, combination
• Comprehensive benefits • Low cost-sharing (no more than 5% of income)
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Current authorizing legislation • Passed in April 2015 after some uncertainty… ▫ H. R. 2: Medicare Access and CHIP
Reauthorization Bill of 2015 (MACRA)
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MACRA’s CHIP Funding Extension • Maintains CHIP’s financing structure, including fully funded
allotments through FFY 2017 • Extends Express Lane Eligibility (ELE) authorization through
FFY 2017 • Appropriated funds for 23 percentage-point increase to the
federal CHIP match, which began October 1, 2015 • Maintains MOE for children’s coverage in Medicaid and CHIP
through 2019 • Extends CHIPRA outreach and enrollment grants ($40M) • CHIPRA quality provisions ($10M for childhood obesity
demonstrations and $20M for pediatric quality measures).
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Impact of CHIP on State Children’s Health Coverage Activity
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Reaching, Enrolling and Retaining Kids • States have achieved great successes in enrollment for
children and families pre and post ACA ▫ Targeted Enrollment Strategies
� Facilitating enrollment through administrative data transfer � Enrolling parents based on children’s eligibility
▫ Focus on Retention � Electronic data matches � Administratively renew certain populations
▫ Updated and enhanced systems � Allow for better data feedback loop – informed decision-making
▫ Increased partnerships – across agencies and with stakeholders
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Strengthening Care and Access for Kids • Strong focus across states = improving care and access to
providers for children ▫ Quality initiatives ▫ Expanding benefits – dental, behavioral and mental health,
Applied Behavioral Analysis (ABA) ▫ Engaging providers – targeted outreach to dentists, improve
telehealth (dental and mental health) ▫ Improving delivery system and engaging managed care
organizations (MCOs) • Renewed interest in Health Services Initiatives (HSIs) ▫ Use of CHIP administrative funds for children’s health
beyond direct medical services � Ex. engaging schools; child and adolescent health campaigns
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Children’s Coverage Now
• 8.9 million enrolled in CHIP in 2016 (Increase of approx. 500K from 2015)
• Eligibility Levels as percent of federal poverty levels (FPL) ▫ 28 states cover children with family income = or + 250% of FPL ▫ 20 states cover children with family income 200% - 250% of FPL ▫ 3 states cover children with family income below 200% of FPL
• Participation rate = the % of those eligible and enrolled ▫ In 2014 participation rate for children = 91% nationwide ▫ In 2014, 33 states (including DC) achieved participation rate 90%+ ▫ According to American Community Survey (ACS) data – 2.8 million
children who are eligible are uninsured
(Source: G. Kenney, May 2016http://www.urban.org/sites/default/files/alfresco/publication-pdfs/2000787-Childrens-Coverage-Climb-Continues-Uninsurance-and-Medicaid-CHIP-Eligibility-and-Participation-Under-the-ACA.pdf)
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Clock is ticking for states as federal CHIP funding set to end without
Congressional action
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Projected Exhaustion of Federal CHIP Funds
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Explanation of MACPAC Projections
• Projections = estimates that are subject to change ▫ Affected by: � Increases in enrollment � Increased utilization of services � Increases in program costs
• Calculations assume all funds will be spent on services for enrollees, but states will need money to make programmatic changes
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CMS Contingency Guidance to States Three options for states to transition children… • Phase out separate CHIP coverage and coordinate with other
insurance affordability programs to transition children to either Medicaid or exchange coverage;
• Move children covered under separate CHIP programs to a
Medicaid expansion CHIP program; or • Establish a combination of these approaches based on income
level **All of these are financially and administratively burdensome for states
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State considerations to end CHIP • State budgets – under pressure and already set ▫ M-CHIP states must maintain coverage at lower FMAP
• Policy and operational considerations and action steps ▫ Develop communication plans for: families, providers, stakeholders
▫ Evaluate and change contracts – MCOs, vendors (i.e. call centers), third
party administrators
▫ Review and modify state policy, laws, regulations
▫ Address changes to federal waivers and state plan amendments
▫ Make systems changes – eligibility, claims
▫ Transition children to other potential available sources of coverage
• Continuity of care issues for children
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State budget assumptions
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Source: NASHP July 2017 Survey of CHIP Directors
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Doesyourstatebudgetassumethe23%bumpinfederalmatchingfundsforCHIPwill
conQnue?
Yes NoN=39
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State budget assumptions
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Source: NASHP July 2017 Survey of CHIP Directors
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DoesyourstatehaveconQngencyfundsifthe23%bumpdoesnotconQnue?
Yes NoN=39
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NASHP CHIP Resources • Regularly updated webpage: http://nashp.org/childrens-health-insurance-resources-962/ • State survey • Timeline for wrapping up state CHIP programs • State CHIP fact sheets • Policy briefs • Blogs Maureen Hensley-Quinn – [email protected]
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©2017,Children’sDentalHealthProject
CHIPandChildren’sDentalHealth
DeborahVishnevsky,PolicyAnalyst,CDHP
September2017
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CHIPdentalwasalateaddiQon,butitworks
• WhenCHIPwasintroducedin1997itdidnotrequireadentalbenefit– FederalrequirementofadentalbenefitonlyaddedinChildren’sHealth
InsuranceProgramReauthorizaQonAct(CHIPRA)of2009• requiresthat“childhealthassistanceprovidedtoatargetedlow-incomechildshallincludecoverageofdentalservicesnecessarytopreventdiseaseandpromoteoralhealth,restoreoralstructurestohealthandfunc8on,andtreatemergencycondi8ons”
• Detailsofbenefitdependonthetypeofprogramachildisin– MedicaidexpansionprogramsareprovidedwithEarlyandPeriodicScreening,
DiagnosQcandTreatment(EPSDT)services– StandaloneCHIPprogramsmaydeveloptheirownperiodicityscheduleand
coveragepackageortheymayuseabenchmarkasdefinedinCHIPRA• WeknowthatthesedentalbenefitshaveaposiQveimpact
– UQlizaQonofthesebenefitsisonparwithprivatelyinsuredchildrenandassociatedwithregulardentalprovidersandfewerunmetneeds1
1Sources:MACPAC,MedicaidAccessinBrief:Children’sDentalServices,June2016andMACPAC,ReporttoCongressontheMedicaidandCHIP,March2017
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• CHIPdentalcoverageeliminatesbarrierstocare.– Whiledentalcoverageforchildrenisrequired
tobeofferedinmarketplaces,notallmedicalplansincludedentalinsurance.
– Evenwithprivatecoverage,thehighpremiumsandcost-sharingofdentalplanscanpresentobstaclestocare,especiallyforlowerincomefamilies.1
• CHIPcoverageprotectsfamiliesfrommedicaldebt.– CHIPprogramsincludesomecost-sharing(or
out-of-pocketfeesforcare)butwithstrictprotecQvelimits.Thisenablesfamiliestofocusongeingchildrennecessarycare,ratherthantryingtocutordelaycosts.
– ResearchshowsthatfamilieswithchildrenwithchroniccondiQonswereconfrontedwithsignificantlyhigherOOPcostswhenswitchingfromCHIPtoprivateinsurance.12
• CHIPhasimpactoutsideofhealthlikeschoolperformanceandlong-termearningpotenQal
CHIPdentalcoveragehasdirectandindirectbenefitsforchildrenandfamilies
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CHIPDentalbenefitsaregenerousamongcoverageopQonsforlowincomechildren,alsomakesthematarget• CHIPDentalbenefitsareuniqueforlow-incomechildren1
– Marketplaceandemployer-sponsoredinsuranceprogramsarenotrequiredtoprovidechildren’sdental(althoughsomestateshavesinceaddedthisrequirement)
• InJanuary2017,MACPACstatedthatbasedonit’sownresearch,andreporQngoutofHHS,CHIPismorecomprehensiveandaffordablethanmarketplacecoverage
• Pediatricdentalbenefitsareokenaneasytargetforcuts– WhilenotinCHIP,duringACArepealprocessCBOpointedoutthatpediatricdental
serviceswouldlikelybeatargetforstateswaivingEHB’s2
Sources:1March2015MACPACreporttoCongressonMedicaidandCHIP2CBOCostEsQmateforHR1628fromMay4,2017
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• IntheirMarch2017reportonthefutureoftheMedicaidandCHIPMACPACpointsout:“uncertaintyaboutthestabilityoftheexchangemarket,furtherheightenedbypoten8alac8onbythe115thCongressonproposalstorepealthelawunderpinningtheworkingsofthismarketandtochangethestructureandfinancingoftheMedicaidprogram,haveledtheCommissiontoonceagainrecommendextendingCHIP…Commissionrecommendsthatfundingbeextendedforaperiodoffiveyears,throughFY2022.Suchanextensionwouldensurethestabilityofchildren’scoverageduringa8meinwhichthecoverageenvironmentcouldchangesignificantly,andwouldalsoberesponsivetothepressingconcernsofstatesastheybeginbudgetandpolicyplanningforthenextfiscalyearandbeyond.”
CHIPvs.theExchanges
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©2017,Children’sDentalHealthProject
TheFutureoftheCHIPProgram:anUpdatefromWashingtonandHowYouCanSpeakUp
LibbyMullin,Principal,MullinStrategies
September2017
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CHIPFundingandTightDeadlines
• FederalfundingforCHIPexpiresSeptember30– WithoutacQonfromCongress,stateswillhavetomakealternateplans– Statesneedassuranceofstabilityforbudgetplanning-statebudgetshave
alreadybeendecidedandlikelyrunQght• NaQonalAcademyforStateHealthPolicy(NASHP)dida
blogpostontheissueofQming– “Stateshavetheirownbudgetaryrestraintsaswellasstatutoryand
regulatoryrequirementsthatmustbeconsideredastheydevelopcon8ngencyplansfortheirCHIPprograms”
– Atleast21stateshavepublicnoQcingrequirementsthatapplytoCHIPwithQmeframesof30to100dayspriortochangingtheprogram
• ColoradohasalreadypostedabannerontheirwebsiteaboutthefutureoftheirCHIPprogram
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ObstaclesandSupportforCHIPrenewal
• CongressreturnedfromrecessthisweekandthescheduleishecQc,alongwithCHIPotherQmelyworkincludes:– HoustonEmergencyFunding– Debtceiling– Taxreform– OmnibusappropriaQons– More
• HistoricallybiparQsansupportfortheprogram– AllsideswantCHIPtopass,disagreementisinhowtoaccomplishthat
– CouldrenewalofCHIPbetreatedasHatch’slegacyprogram?
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• CHIPprovidescomprehensivemedicalanddentalcoverageforlowincomechildren-butlimitsoutofpocketcosts(includingpremiums)to5%offamilyincome– Inmoststatestherearenocostsharing
requirements• Privatecoverageismoreexpensiveforfamilies
thanCHIP–formonthlypremiumsandout-of-pocketburdenforcare1
• Mostmarketplacesdonotrequirethatparentspurchasechildren’sdentalcoverage– Lackingdentalcoverageisassociatedwith
havingmoreunmetdentalneeds2
• Currentuncertainty/instabilityinmarketplacecoverageandcostsunderscoresneedtomaintainCHIP
CHIPisabeperopQonthantheExchanges
1Peltz,A;Davidoff,A;Gross,CandRosenthal,M.“Low-IncomeChildrenWithChronicCondiQonsFaceIncreasedCostsIfShikedFromCHIPToMarketplacePlans.”HealthAff,April2017,36:4616-625;doi:10.1377/hlthaff.2016.12802Yu,Zhou;MaryamElyasi;andMaryamAmin.(2017)AssociaQonsamongdentalinsurance,dentalvisits,andunmetneedsofUSchildrenTheJournaloftheAmericanDentalAssociaQon,Volume148,Issue2,p.92-99.
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Goal:LongtermrenewalofcurrentCHIPpolicy
• Longtermfundingiscrucial– NGA,Children’sgroups,etc.–allcallfor5yearsoffunding
• 5yearsismorecosteffecQve(than2years)– Alsoallowsstatestobuildinfrastructureandinnovateprograms
– CHIPextensioncouldbecomplicatedbytradiQonally2-yearriders• MaintenanceofEffort(MOE)requirements(orsimilar)shouldbe
preservedtoensurethatCHIPconQnuestobenefitallwhoneedit• AnyCongressionalacQonshouldbesensiQveofthe23%federal
matchrateincrease–toolatetocancelitfor2018– Statesreceivefederalfundingatapredeterminedmatchrateof65-80%-
under2015’sMACRAthatratewasincreasedby23%– Statelegislatureshaverecessedfortheyear-alreadydeterminedbudgets
for2018(and2019)-theircalculaQonsincludedthe23%“bump”– ToprotectstateCHIPprogramslegislaQonshouldextendthebump
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Messaging:CHIPneedsimmediateacQon,itworks,anditisagoodsourceofcoverageforchildren
• CHIPisexpiringandneedsacQonNOW– Stateswillsoonhavetomakeandimplementdisenrollmentplans
• CHIPworks– Providescomprehensivemedicalanddentalcoverage– Associatedwithregularmedicalanddentalproviders,fewerunmetneeds– Associatedwithindirectbenefitstoo–schoolapendanceandcompleQon,
longtermemployability,etc.• CHIPisastable,affordablesourceofcoverage
– CHIPlimitsOOPcosts(includingpremiums)to5%offamilyincomeandinmoststatestherearenocostsharingrequirements
– PrivatecoverageopQonsarefarmorecostly,noguaranteekidswillhavedentalcoverage
– UncertaintyinmarketplacecoverageunderscoresneedtomaintainCHIP
• Personalstoriesaresoimportant!
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KeyTargets
• Governors• SenateandHouseleadershipandCommipeemembers,
parQcularly:– RepublicanmembersonSenateFinanceCommipee– RepublicanmembersonHouseEnergyandCommerceCommipee– DemocraQcleadership:
• RepresentaQveNancyPelosi–California’s12thdistrict(HouseDemocraQcLeader)
• RepresentaQveStenyHoyer–Maryland’s5thdistrict(HouseDemocraQcWhip)
• SenatorCharlesSchumer–NewYorkState(SenateMinorityLeader)
SeetheCDHPToolkitforadrakmessageandcallscript-www.cdhp.org/toolkit
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Thankyou!
FormoreinformaQon:
Web:www.cdhp.orgTwiTer:@Teeth_Maper
LibbyMullin,MullinStrategies
Checkoutour“WhyDentalCoverageMapers”toolkitat:cdhp.org/toolkit